Assura+Protect FAQs

1. Who is Assura Protect?

Assura Protect is a new type of life insurance company with a very simple vision - to provide you, and your family, "Better Cover… Longer" for a changing world.

Our founders are Life Insurance Advisors, Actuaries, Data Scientists and Financial Engineers committed to delivering our customers value for premium over the life of a policy.

“Life Empowered” is more than Assura’s motto - it is our commitment to policyholders.

2. What is Assura committed to?

Assura is committed to:

  • A Promise of Simple, Fair & Affordable Life and Critical Illness Cover.
  • A Mission to deliver Customer-Focused Protection.
  • A Life Empowered Vision.

3. Is my policy covered by the Financial Services Compensation Scheme?

  • Yes, Your Dividend Life policy id covered by the Financial Services Compensation Scheme (FSCS).
  • FSCS protects customers if they lose money because an authorised firm (like Assura Protect and/or OneFamily) are unable to pay a benefit because they’ve ceased trading and declared in default.
  • The FCSC protect 100% of insurance claims for Term Life and / or critical illness insurance policies. For more information, please refer to the FSCS website at: Insurance protection & compensation | Check you're protected | FSCS

4. How do I contact Assura Protect if I have a question?

If you have any questions about the products Assura offers, please contact us directly and a consultant will support you.

Phone: XXXXX
Email: XXXXX
Post: Assura Protect Ltd. 86 Gloucester Place, First Floor London W1U 6HP

5. Who administers and arranges my Assura policy?

Your Assura policy will be administered and arranged by Assura Financial Ltd, which is entered on the Financial Conduct Authority Financial Services Register under reference number 795982.

6. Who will my policy be underwritten and issued by?

Your Assura Dividend Term Life with Multi-Claim Critical Illness Cover insurance policy will be underwritten and issued by Family Assurance Friendly Society Limited which is authorised by the Prudential Regulation Authority (PRA), regulated by the Financial Conduct Authority (FCA), (Financial Services Register reference number 110067) and Prudential Regulation Authority, and incorporated under the Friendly Societies Act 1992, registered number 939F.

7. Who regulates Assura Protect?

Assura Protect is regulated by The Financial Conduct Authority (FCA). The FCA require us to provide you with the necessary information to decide if an Assura Dividend Life policy is right for you.

8. Where is Assura Financial Limited registered?

Assura Financial Limited is registered in England and Wales under number 10781585. Its registered office address is:
First Floor, 86 Gloucester Place, London W1U 6HP.

9. How will my information and personal data be held by Assura?

Your information will be held by Assura Financial Limited and its reinsurers in accordance with the requirements of the General Data Protection Regulation.

Your information and personal data will be used of providing insurance and/or handling claims or complaints.

You can find more information about this and our privacy policy at

10. How do I make a complaint against Assura?

To find out how to make a complaint, please follow our step-by-step process at Alternatively, you can contact us directly by:

Phone: 0808 252 5896
Post: Assura Protect Ltd. 86 Gloucester Place, First Floor London W1U 6HP

1. What is Dividend Life?

Dividend Life is a Term Life and Critical Illness insurance policy that which offers:

  • 200% Multi-Claim Critical Illness Cover
  • 200% Dual Life Cover
  • Lifestyle & Wellbeing Benefits
  • Engaged Health Care
  • Personal Financial News & Insights

2. What is Assura Dividend Term Life with 200% Multi-Claim Critical Illness Cover?

A life and critical illness insurance policy allowing you to:

  • Make up to 3 critical illness claims for different conditions per policy.
  • Receive maximum benefit of up 200% of initial sum assured for life and major critical illness claims.

3. What are the 3 policy “dividends” available for Assura Dividend Term Life?

  • 200% Multi-Claim Critical Illness cover
  • Life Empowered Benefits and Rewards
  • Engaged Health Care with Doctor-on-Demand

4. How many claims can I make?

You may make up to three unrelated claims for major critical illness conditions. In aggregate, these major claim benefits can total up to 200% of your sum assured.

5. Can I make a claim for the same condition twice?

No. We cannot pay out twice for the same condition. You can only make a claim one from each of the five Major Multi-Condition categories:

All claims must be for ‘unrelated’ conditions and not claimed under the same major condition category.

6. Are my premiums fixed?

Yes. Your premiums are fixed for the entire policy duration.

7. Do I have to pay extra to add Multi-Claim cover to an Assura Dividend Term Life with Critical Illness policy?

No. Multi-Claim cover is included on all Critical Illness policies without additional premium charges.

8. Do I have to pay extra for add Annabel Benefits & Rewards to my Assura Dividend Term Life with Critical Illness policy?

No. Full Annabel Benefits & Rewards are included on all policies at no additional cost.

9. What is the Maximum Sum Assured for Assura Dividend Term Life policies?

For both Level Term and Decreasing Term Life policies, you may purchase up to £1,000,000* worth of cover (*subject to age and underwriting criteria).

10. Can I add Dual Life cover to an Assura Dividend Term Life with Critical Illness policy?

Yes. Assura Dual Life cover offers combined protection for couples and offers several distinct advantages over traditional joint policies, which include:

  • Cover on both lives not just first.
  • 200% maximum benefit amounts.
  • Longer total protection periods.
  • With monthly premiums similar to joint policies.

1. What is life insurance?

Life insurance is a financial contract where policyholders make regular premium payments to an insurance company in exchange for a fixed benefit upon death.

2. How much is life insurance?

To calculate how much life insurance is, there are several factors that must be considered, namely your:

  • Age
  • Sex
  • Health
  • Lifestyle
  • Type of life insurance policy (i.e., single or joint and the policy length)
  • Amount of cover required
  • Length of policy term

The best way to calculate how much life insurance cover you may need is to gain a quick quote from Annabel.

3. How does life insurance work?

Life insurance is a contract between you and an insurance company. In exchange for regular life insurance premium payments, an insurance company will pay a cash lump sum (known as a death benefit) to your loved ones, otherwise known as your beneficiaries, named on your policy after your death.

4. Do I need life insurance?

If you have people that depend on you financially, such as a partner, children, or relatives, it is recommended that you buy a life insurance policy. The life insurance policy will support your loved ones financially should the worst happen.

5. How much life insurance do I need?

How much life insurance you need and type of cover required is dependent on your personal circumstances and budget available.

6. What does life insurance cover?

Life insurance covers things like funeral costs, mortgage payments, other loan payments, debt payments, childcare costs, household bills, income replacement and family expenses.

7. Can you have more than one life insurance policy?

Yes, you can have more than one life insurance policy, but having one life insurance policy that meets all your needs tends to be simpler to manage.

8. Does life insurance pay for suicidal death?

Yes, most life insurance policies pay for suicidal death after an initial qualifying period. By implementing the qualifying period, life insurance companies can reduce the financial incentive for someone to commit suicide and trigger a life insurance pay-out.

9. What is placing a life insurance policy into trust and what are the advantages of this?

Placing a life insurance policy into trust means that you will give up ownership of your policy to a group of people known as trustees.

The main reasons why people choose to place a life insurance policy into Trust are:

  • They can make it easier for your loved ones to avoid probate and therefore access your life insurance benefit payment.
  • Any payout may not be subject to inheritance tax.
  • Any payout will be protected and not automatically be used to pay off debts.

You are able place a policy in trust. Trust forms can be found at or by contacting us on XXXXXXXXXXXX.

10. What is Term Life Insurance?

Term Life Insurance provides a lump sum payment in the event of your passing.

  • Benefit payments are tax free and can be used for any purpose.
  • Term Life has been designed to provide financial protection to:
  • Ensure a standard of living for your dependants such as continued living costs, school, and university fees.
  • Pay off outstanding mortgages or loans.
  • Cover funeral expenses.

Term Life policies have no cash or surrender value and there is no benefit payment if you live past the end of the policy term.

Don’t see the answer to your question?

Get in touch with our team today