Simple Life Cover

Unfortunately, thinkmoney Simple Life Cover is no longer available to purchase. However, if you have any questions about an existing thinkmoney Simple Life Cover policy you can still find out everything you need to know in the FAQs below.

What is Simple Life Cover and how does it work?

Simple Life Cover is a monthly life insurance policy that helps protect your family in the event of your death.  You simply choose the amount of cover you need and pay your premium each month. It’s as simple as that…

Who is eligible to apply for Simple Life Cover Insurance?

To apply, you must be a permanent UK resident and have been living permanently in the UK for at least 6 months before the start date of the policy.  You must also be aged 18 or over but under 60 years of age at the start …

How much life cover can I have?

We offer three different levels of life cover:  £20,000 £30,000 £50,000  The maximum life cover you can have is £50,000 in total. However, you can only have one active Simple Life Cover…

Do I need to answer any health questions to qualify for Simple Life Cover?

No, that’s the beauty of this product. There are no complicated health questions to answer and no underwriting.  

How do I pay for my Simple Life Cover?

The monthly price depends on how much cover you take out. We’ve broken the monthly costs down below:  £20,000 - £6.49 per month £30,000 - £8.99 per month £50,000 - £12.99 per …

Will my Simple Life Cover premium change?

Your premiums will not change during the application process, as there are no health questions to answer or underwriting that takes place. The price You see is the price You pay. However, after taking a fair and reasonable view…

How can I cancel my policy?

You can cancel your policy at any time by logging into the My Account section at https://www.thinkmoney.co.uk/insurance/life-insurance/simple-life-cover/. Or you can contact Lutine, the policy administrator on 0330 102869…

Can the insurer cancel my policy?

The insurer can cancel your policy by giving 30 days’ notice in writing in the event that: You breach the terms and conditions of your policy; or The Insurer terminates the arrangement that they have with Lu…

When will my cover end?

Your cover will end if you stop paying your monthly premiums, you reach the age of 65 or if you die while the policy is in place.  If your Simple Life Cover policy expires, there is no cash-in value and no premiums are re…

What happens if I move overseas?

The policy will not pay out a benefit if the policyholder was not a permanent resident in the UK for at least six months before the start of the policy or if at the time of death the policyholder had spent more than six months …

Is Simple Life Cover the same as a Term Life policy?

No, there are differences between Simple Life Cover and a term life policy. We’ve outlined them below.  Simple Life  Simple Life Cover is a monthly life policy, which doesn’t require any health underwrit…

What if I need to make a change to my policy?

That’s not a problem! Please just call Lutine, the policy administrator, on 0330 102 8680 and they’ll be happy to help.  

Are there any exclusions or restrictions?

Yes, there are some.  If you die in the first 2 years of the policy as a result of any disease, illness or injury which you have sought or received medication, advice or treatment during the 24 months preceding the start …

Who is the policy administrator?

Lutine Assurance Services Limited is the Administrator of Simple Life Cover insurance, working on behalf of the underwriter (Catlin Underwriting Agencies Limited) and thinkmoney insurance to process payments and claims. Lutine…

What is the claims process?

To make a claim, please call the Lutine claims team on 0330 102 8680.  When it comes to making a claim, we understand it’s a very difficult time. That’s why we’ve made the process as simple as possible. …

Who is the insurer for Simple Life Cover?

thinkmoney insurance's Simple Life Cover is underwritten by Catlin Underwriting Agencies Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Pru…

How will I get my Simple Life Cover policy documents after I buy a policy?

Your policy documents will be emailed to you immediately after you buy your policy.  You can also log into your online account at https://www.thinkmoney.co.uk/insurance/life-insurance/simple-life-cover/ and download your …

Questions & Complaints

Questions and Complaints If you have any questions or concerns about this insurance or the handling of a claim, please contact Lutine on: Customer Relations Team Lutine Assurance Limited PO Box 1193,Doncaster,DN1 9PS Telephon…

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