ActiveJOE - Discounted Life Insurance for UK Men and Dads

For Men & Dads from 18 TO 50.

Life Insurance.

Get active.

Get rewarded.

Don’t be an averageJOE be an ActiveJOE

Save up to 30% on Life insurance
and claim your lifestyle rewards for being active

Gym memberships

Up to 50% off at selected gyms, Nuffield, Virgin & Pure.

Retail therapy

Kit yourself out with rewards at Nike and Runners Need.

Discounted bikes

Cash back rewards at Peloton and 25% off Specialized bikes.

Tech wearables

Apple, Garmin, Fitbit and more. Track and earn points.

Travel rewards

Reward your active lifestyle with regular discounted breaks.

Mindfulness

Meditation and mental wellness from Headspace for 12 months.

Life Insurance for Men and Dads

Age	Life Insurance Cover	Cost Per Month
18	£150,000	£5.56
20	£150,000	£5.64
25	£150,000	£6.20
30	£150,000	£7.31
35	£150,000	£9.46
40	£150,000	£14.01
45	£150,000	£21.37
50	£150,000	£34.75

Please note life insurance cover is for a non-smoker and is based on a 25 year term.
The per month pricing is a guideline price and is subject to personal circumstances.
All ages between 18 to 50 can be quoted.

Age	Life Insurance Cover	Cost Per Month
18	£150,000	£7.59
20	£150,000	£7.80
25	£150,000	£9.21
30	£150,000	£12.53
35	£150,000	£19.07
40	£150,000	£30.13
45	£150,000	£49.82
50	£150,000	£84.21

Why buy life insurance?

Are you a UK man or Dad between the age of 18 and 50? If so, have you considered the importance of life insurance?

Life insurance is a critical aspect of financial planning that every man and dad should prioritise. It serves as a safety net for your loved ones in the event of an unexpected tragedy. While it may be uncomfortable to think about, ensuring your family’s financial security should be at the top of your priority list.

Imagine the peace of mind knowing that your loved ones will be taken care of even if you’re no longer around. Life insurance provides a financial cushion that can cover funeral expenses, outstanding debts, and most importantly, the future needs of your family. By arranging your life insurance sooner rather than later, you’ll pay lower premiums and have the right cover for your needs.

Don’t put off protecting your loved ones any longer. Take the necessary steps to arrange life insurance today. Our team of experts are ready to guide you through the process and find the perfect policy to suit your needs and budget. Remember, life is unpredictable, and putting off life insurance any longer can be a costly mistake.

Life insurance is not just a luxury, but a necessity for UK men and dads between the ages of 18 and 50. By taking immediate action, you can safeguard your family’s financial future and provide them with the peace of mind they deserve. Contact us today and get your free quote.

Other Life Services

Critical illness cover

UK men, have you considered the impact a critical illness could have on your life and your family’s financial stability?

Critical illness refers to life-altering medical conditions such as heart attacks, cancer, or strokes. It is crucial for UK men to consider this insurance, as statistically, men have a higher risk of developing serious illnesses. The financial burden that comes with medical treatments can be overwhelming, leading to added stress during an already challenging time.

By arranging Critical Illness Insurance, you can ensure that your family is protected from the financial strain that a critical illness can bring. This policy provides a lump sum payment, giving you the freedom to focus on recovery instead of worrying about bills, mortgage/rent payments, or childcare expenses.

Don’t wait for a critical illness diagnosis to strike. Take action now and secure your family’s future. Contact us today to learn more about Critical Illness Insurance and how it can provide the peace of mind you and your loved ones deserve. Your family’s financial security is our top priority.

Income protection

Income Protection is a vital insurance policy which is designed to pay you monthly tax-free income if you get sick or injured and can’t work.

Why is it important for UK men to consider Income Protection? Let’s face it, life is unpredictable, and any unforeseen circumstance can disrupt your earning potential, leaving you and your loved ones vulnerable.

By arranging Income Protection, you are taking a proactive step towards securing your family’s financial well-being. This insurance ensures that your bills, mortgage/rent payments, and daily expenses are covered, even if you cannot work. You wouldn’t leave your family’s future to chance, would you?

Don’t wait for a crisis to strike. Act now and provide your family with the security they deserve. Income Protection allows you to focus on recovery while protecting your income stream. Take charge of your financial future and give your family peace of mind. Contact us today and let us help you secure a brighter tomorrow.

Who is ActiveJoe

Like many responsible individuals, Active Joe had taken out a life insurance policy to ensure the financial security of his loved ones in case the unthinkable ever happened. Every month, he faithfully made his payments, but he couldn’t shake the feeling that he was simply pouring money into something that would only benefit his family if he were no longer around.

Active Joe yearned for a life insurance policy that would not only provide for his family’s future, but also reward him for the active and healthy lifestyle he led. He was a busy parent with a hectic schedule, working full-time while striving to maintain his fitness and well-being. Little did he know, his dream was about to become a reality.

One fateful day, as Active Joe was browsing the internet during his lunch break, he stumbled upon a hidden gem – a life insurance policy that would not only offer him the usual financial security, but also provide him with incredible lifestyle rewards. It seemed almost too good to be true, but Active Joe couldn’t help but be intrigued.

With newfound excitement, Active Joe delved into the details of this extraordinary life insurance policy. He discovered that he would not only enjoy the peace of mind that comes with knowing his family would be taken care of, but he would also be granted exclusive discounts and perks simply for being insured.

Active Joe couldn’t believe his luck. It was as if he had stepped into a dreamland where his insurance policy was not just another expense, but a gateway to a world of rewards – all thanks to his choice of life insurance.

From that moment on, Active Joe’s perspective on life insurance was forever changed. He no longer saw it as a burden, but as an opportunity to embrace his active lifestyle and be rewarded for it. He signed up for the policy and eagerly awaited the countless rewards that awaited him.

How to stay active and reap the rewards

Update your daily routine

Find an activity that you enjoy and that suits your level of fitness. Try walking, jogging, cycling, swimming, gym, or playing a sport.

Exercise Regularly

Make physical activity a part of your daily routine. You can use the stairs instead of the lift, park your car further from your destination, or take a break from sitting every hour and stretch or move around.

Set realistic goals for yourself

For example, you can aim to walk for 30 minutes a day, three times a week, or to join a fitness class twice a week at your local gym.

Reward yourself

Reward yourself for your achievements. You can treat yourself to something you like, such as free coffees, cinema tickets or even a relaxing Spa break. Celebrate your progress and be proud of yourself.

Get a life insurance quote today!

FAQs

How long do I need to be covered for?

This is a common question that many people ask when they are considering buying a life insurance policy. The answer depends on several factors, such as your age, health, financial goals, family situation, and personal preferences. There is no one-size-fits-all solution, but here are some general guidelines to help you decide.

First, you need to determine why you want life insurance. Some common reasons are:

– To replace your income and provide financial security for your dependents in case of your death.
– To cover your debts, such as mortgage, car loans, student loans, or credit cards.
– To pay for your funeral and other final expenses.
– To leave a legacy or a charitable donation to a cause you care about.

There are two main types of cover – ‘Term’ and ‘Whole Of Life’. Term life insurance provides cover for a specific period of time, usually a mile stone in your life e.g. while you children are dependent on you, during your working life until you retire or the length of your mortgage, It is typically cheaper than Whole Of Life insurance. Whole Of Life insurance provides cover until the day you die, whichever age that may be, as long as you maintain your monthly payments.

Finally, you need to review your life insurance needs regularly and adjust your policy accordingly. Your life situation may change over time, such as getting married, having children, buying a house, retiring, or inheriting money. These changes may affect how much and how long you need life insurance for. Your regulated adviser will aim to contact you each year to review your circumstances.

How much cover do I need?

This is a common question that many people ask when they are considering buying a life insurance policy. There is no definitive answer to this question, as different factors may affect how much cover you need, such as your age, health, income, debts, dependents, and personal preferences. However, there are some general guidelines that can help you estimate how much life insurance cover you need.

One way to calculate how much life insurance cover you need is to use the DIME formula, which stands for Debt, Income, Mortgage, and Education. This formula takes into account the following aspects of your financial situation:

Debt
How much debt do you have, such as credit cards, loans, or medical bills? You may want to have enough life insurance cover to pay off your debts in full if you pass away, so that your family does not have to deal with them.

Income
How much income do you earn, and how much does your family rely on it? You may want to have enough life insurance cover to replace your income for a certain period of time, such as 10 years, so that your family can maintain their standard of living.

Mortgage
How much do you owe on your mortgage, and how long will it take to pay it off? You may want to have enough life insurance cover to pay off your mortgage in full if you pass away, so that your family can stay in their home.

Education
How much do you expect to spend on your children’s education, such as college or university fees? You may want to have enough life insurance cover to cover the cost of their education if you pass away, so that they can pursue their goals.

By adding up these four factors, you can get an estimate of how much life insurance cover you need. For example, if you have £50,000 of debt, £50,000 of annual income, £200,000 of mortgage balance, and £100,000 of education expenses, you may need £400,000 of life insurance cover.

Of course, this is just a rough estimate, and you may want to adjust it according to your specific circumstances and preferences. For example, you may want to have more or less cover depending on how much savings or assets you have, how much your spouse earns, how old your children are, or how long you want the cover to last. You may also want to consider other types of expenses that are not included in the DIME formula, such as funeral costs or inheritance taxes.

Ultimately, the amount of life insurance cover you need depends on your personal situation and goals.

What happens if I outlive my policy term?

A life insurance ‘term’ is the period of time that your policy covers you for. If you outlive your term, your policy will expire and you will no longer have cover. This means that if you die after your term ends, your beneficiaries will not receive any death benefit from your policy. However, there are some options that you can consider if you want to extend your coverage or switch to a different type of policy. Here are some of them:

Renew your term policy
Some term policies allow you to renew your cover for another term, usually at a higher premium rate. This option may be suitable if you only need cover for a short period of time or if you are in good health and can qualify for a reasonable rate.

Buy a new policy
You can always shop around for a new policy that meets your needs and budget. You may want to replace you policy for a longer term than your current policy. However, keep in mind that you will have to go through the underwriting process again and usually pay higher premiums based on your age and health status.

Can I choose who the money gets paid to?

Life insurance pays out a sum of money to your beneficiaries when you die. You can place your policy into ‘Trust’ free of charge and choose who your life insurance money gets paid to. Your regulated adviser will help you with this and talk you through all of the options.

It is important to review your life insurance policy regularly and make sure it reflects your current situation and preferences.

I have health issues, can I still have life insurance?

If you have health issues, you may wonder if you can still get life insurance. The answer depends on the type and severity of your condition, as well as the policy you choose. Some life insurance companies may reject your application or charge you higher premiums if you have a serious or chronic illness.

Do I really need life insurance?

Life insurance is a type of financial protection that pays a lump sum to your beneficiaries if you die or become terminally ill. It can help cover funeral costs, debts, mortgages, and other expenses that your family may face after your death. Life insurance can also provide peace of mind and security for your loved ones, especially if you are the main income earner or have dependents. However, life insurance is not compulsory and not everyone needs it. Whether you need life insurance or not depends on your personal and financial situation, your goals, and your preferences. Some factors to consider are:

– Your age and health
– Your marital status and family size
– Your income and expenses
– Your assets and liabilities
– Your future plans and obligations
– Your budget

There is no one-size-fits-all answer to the question of whether you need life insurance or not. Your regulated adviser will asses your circumstances and help you decide . Ultimately, the decision is yours and you should weigh the benefits and drawbacks of having life insurance versus not having it.

How does life insurance work?

Life insurance is a type of insurance policy that pays out a lump sum to your beneficiaries if you die or are diagnosed with a terminal illness during the policy term. You pay monthly premiums to keep your cover active. There are different types of life insurance, such as level term, decreasing term and increasing term, that affect how the lump sum changes over time. Life insurance can help your loved ones pay off debts, cover living expenses or maintain their lifestyle after you’re gone.

What does life insurance cover?

Life insurance is a type of insurance that pays out a lump sum to your beneficiaries if you die during the term of the policy. However, life insurance does not cover all types of death. For example, some policies may exclude death by illegal activities. Additionally, life insurance does not cover serious illnesses that may prevent you from working or affect your quality of life. For that, you may need critical illness cover or Income Protection.

Critical illness cover is a type of insurance that pays out a lump sum to you if you are diagnosed with one of the specific illnesses covered by your policy. The illnesses covered vary by provider, but usually include cancer, heart attack, and stroke . However, not all occurrences of these illnesses are covered. For example, some policies may only cover certain types or stages of cancer. You can use the lump sum to pay for medical bills, household expenses, or any other financial needs.

How much does life insurance cost?

This is a common question that many people have when they are considering buying a policy to protect their loved ones or their mortgage. The answer depends on several factors, such as your age, health, smoker status, lifestyle, cover amount and cover type.

The cost of life insurance in the UK is around £7.31 per month for a 25-year, £150,000 term life policy for a 30-year-old non-smoker. However, this is just an estimate and your actual premium may vary depending on your personal circumstances. To get an accurate quote, please fill out our short form to receive your personalised life insurance quote.

How do I claim on a life insurance policy?

If you are the beneficiary of a life insurance policy, you may need to make a claim after the death of the policyholder. Here are some steps to follow:

1. Contact the life insurance provider as soon as possible. You can find their details on the policy document or on their website. You may be able to start the claim process online or by phone.

2. Provide the required documents, such as the original death certificate, the completed claim form and the policy documents if you have them.

3. Wait for the insurer to review your claim and pay out the policy amount. This may take a few days or weeks, depending on the insurer and the circumstances of the death.

You can make a life insurance claim at any time, as there is no time limit. However, it may be easier to do it sooner rather than later, as it may help you with your financial situation and peace of mind.

Do I still need life insurance if I’m not a parent?

Many people think that life insurance is only for parents who want to protect their children financially in case of their death. However, life insurance can also benefit people who are not parents, depending on their personal and financial situation. Here are some reasons why you might still need life insurance even if you are not a parent:

You have a spouse or partner who depends on your income. If you die, your partner might struggle to pay the mortgage, bills, debts, or other living expenses without your income. Life insurance can provide them with a lump sum or regular payments to cover these costs and maintain their lifestyle.

You have other dependents who rely on you financially. This could include aging parents, siblings, nieces, nephews, or friends who need your support for their health care, education, or other needs. Life insurance can help you leave a legacy for them and ensure they are taken care of after you are gone.

You want to cover your funeral and final expenses. According to a report by SunLife the average cost of a basic funeral in the UK in 2023 is £3,953.00, with burials costing more than cremations. However, the total cost of dying, which includes other expenses such as probate and flowers, was £9,200 on average. This can be a significant expense for your family or friends to bear. Life insurance can help you cover these costs and avoid leaving them with additional stress and grief.

You want to support a cause or charity that is important to you. Life insurance can allow you to make a charitable donation in your name after you die, which can have a positive impact on the world and reflect your values and beliefs.

These are some of the scenarios where life insurance can be useful even if you are not a parent. Of course, life insurance is not for everyone, and you should consider your own goals and circumstances before buying a policy.