What Does Life Insurance Cover? Spirit Goes Beyond Cash

Life insurance is your backup plan - a lump sum when you’re gone. But what does it tackle? Debts, funerals, futures - and with Spirit Cover, it’s more. We add terminal illness cover, trusts to beat tax (40% over £325,000 HMRC, 2023), and benefits like GP 24/7. Cost? Same as basics - £38/month for £152,000 Forbes Advisor UK, 2024. Let’s see what it does.

The Essentials

Your payout can:

Spirit’s terminal illness perk lets you claim early (under 12 months left) - spend it your way.

Spirit’s Extra Mile

Basic plans pay out. We add:

  • Trusts: Tax-free delivery - £300,000 stays £300,000.
  • Benefits: Global Treatment, Mental Health Support - care that lasts.

A £80,403 average payout in 2023 ABI, 2023 could lose £32,000 to tax elsewhere. Spirit saves it.

Limits?

Suicide in year one’s usually out (UK norm). Disclose health - we’ll sort it, no surprises.

Your Voice After

It’s more than money - it’s your “I’ve got you.” Tell us your wishes, and your Spirit advisor (like Joe) will make it real - tax-smart, benefit-rich.

Start Your Cover