Product details and eligibility
- Includes terminal illness cover – we’ll pay out if your client is diagnosed with 12 or fewer months left to live.
- We offer single and joint policies so you can present each client with a policy that fits their family’s needs.
- Choose between level, decreasing and increasing cover to ensure the right payout at the best possible price.
- Give your clients additional peace of mind with the option to place their policy in trust.
- Guaranteed Increase Options are available for 5 different life events (subject to underwriting).
- Guaranteed premiums so the price won’t change, even if their health does.
Minimum and maximum limits
- Eligibility
- UK residents aged between 18 and 77*
- Maximum age at policy expiry date
- 89*
- Minimum policy term
- 5 years
- Maximum policy term
- 50 years
- Maximum sum assured
- £1,000,000**
*For joint policies, the upper age limit applies to the oldest applicant.
**This is the overall maximum sum assured we can offer. The age of the oldest life assured may reduce the sum assured we offer.
The sum assured by age next birthday table below shows how ages impact the maximum sum assured.
Sum assured by age next birthday
- 19 - 30
- £10,000 - £1,000,000
- 31 - 35
- £10,000 - £900,000
- 36 - 40
- £10,000 - £750,000
- 41 - 45
- £10,000 - £500,000
- 46 - 50
- £10,000 - £400,000
- 51 - 55
- £10,000 - £300,000
- 56 - 60
- £10,000 - £200,000
- 61 - 65
- £10,000 - £100,000
- 66 - 70
- £10,000 - £75,000
- 71 - 75
- £10,000 - £50,000
- 76 - 78
- £10,000 - £25,000
Additional benefits
Waiver of premium
This optional benefit will pay the monthly premium for your client if they are unable to work due to illness or injury for at least 6 months.
Mid-term policy changes
If your client’s situation changes, their policy can adapt too. You can reduce the sum assured and/or term as well as remove any optional benefits, and therefore reduce the monthly premium.
Guaranteed Increase Options
Your client can increase their sum assured (limits and conditions apply) without the hassle of re-applying or waiting for an underwriting decision.
Terminal illness cover
Offered with all policies. We’ll pay a full claim payment if your client is diagnosed with 12 or fewer months left to live during their policy term.
Value added benefits
Free simple will
All our policyholders can write a free simple will through one of our regional partners.
1 hour free legal advice
All our policies include 1 hour of free legal advice. Our legal partners are on hand if your clients would like to discuss estate planning, inheritance laws or any other legal questions they may have.
Companions Service provided by RedArc
All our policies include this service. The companions service includes help finding a second medical opinion, counselling, support following a diagnosis and lots more.
Why Beagle Street
- Affordable cover from less than £6 a month
- Level, decreasing and increasing policies available
- High levels of acceptance – we offer cover to most people who apply, although this isn't guaranteed
- Terminal illness and accidental death benefit included as standard
- Guaranteed premiums for the entirety of the policy
- Cover can start up to 90 days after we provide an underwriting decision
- We pay out 99.8% of claims. Beagle Street is underwritten by Family Assurance Friendly Society Limited, who in 2024 paid out 99.8% of all protection claims
Useful documents
Any questions?
Let's discuss how we can make your life easier and your clients happier.