Life insurance could help protect your loved ones lifestyle if you were to pass away. A lump sum payout (also known as the cover amount) would be paid if you were to pass away while you have the policy. This could be used to pay your mortgage, rent or other bills, giving you some peace of mind that there would be one less thing for them to deal with.

Some employers provide death in service benefits. This means employees’ beneficiaries receive a tax-free lump sum if the employee dies while employed by the firm. Often, the benefit is linked to being part of the company pension scheme. You would need to check the scheme rules to see if this benefit applies to you and if so, how much the lump sum would be. It is possible the amount will be lower than the cover needed to provide for your family, and it cannot be assigned to repay a mortgage.

If you change employer, the benefit is lost so to maintain cover you would need to set up a separate policy. As you get older the cost of life insurance increases and if your health deteriorates then the cost will increase further. If you need to leave work due to ill health, you may not be eligible for a policy at the time you need it.

Death in service benefits often don’t give you the flexibility needed to fit your personal circumstances, so it is important to check with your employer if you think you may have this benefit.

Life insurance can be purchased as a single policy which covers one person, or a joint policy which covers two people.

Single life insurance policies run for the length of time you take out cover for or until you make a claim. Joint policies have two different types; firstly, a ‘dual’ policy will run for the length of time you take out the policy for or until both policyholders make a claim. A ‘first death’ policy would end when either policyholder made a claim, meaning the remaining policyholder would receive the payout but would be no longer covered under the policy themselves.

Please note, our joint policy option is a ‘first death’ policy.

It will depend on your circumstances whether a single or joint policy would suit your situation.

Llama Life can be purchased online in as little as 5 minutes within just 4 simple steps. Llama Life Term Life has just 5 simple yes/no medical history questions and if you choose to add Llama Life Critical Illness there are 5 additional questions to understand your eligibility. It’s important that you answer these questions truthfully and accurately, to ensure your cover is not affected.

A claim can be made by calling us on 0330 123 3747 or by writing to us at: Freepost Cignpost Life Customer Service.

Once you make a claim with us, one of our claims experts will inform you of what information you need to provide based on your situation. Initially they will need:

• Name of claimant
• Policy reference
• Details of the claim
• Confirmation of your identity

We may need other information or documents depending on the circumstance; we are here to help answer any questions you have on making a claim, however big or small so please call us on 0330 123 3747. For more details please see our

We aim to get claims paid as quickly as possible; it generally takes one month or less**, depending on the complexity of the claim and how long it takes for documents to be sent across. We aim to transfer money within seven days of receiving all the paperwork, this could be sooner depending on bank processing time.

We understand each claim is different, so we investigate each one individually meaning you can relax knowing your claim will be given our full attention.

A summary of the conditions covered by Cignpost Critical Illness looks as follows:

• Aorta graft surgery – for disease
• Aplastic anaemia – resulting in permanent symptoms
• Bacterial meningitis – resulting in permanent symptoms
• Benign brain tumour – resulting in permanent symptoms
• Benign spinal cord tumour
• Blindness – permanent and irreversible
• Cancer – excluding less advanced cases
• Cardiac arrest – with insertion of a defibrillator
• Cardiomyopathy – of specified severity
• Coma – with associated permanent symptoms
• Coronary artery by-pass grafts
• Deafness – permanent and irreversible
• Dementia including Alzheimer’s Disease – resulting in permanent symptoms
• Devic’s disease (Neuromyelitis Optica) – with persisting symptoms
• Heart attack – of specified severity
• Heart valve replacement or repair
• HIV infection – caught from a blood transfusion, physical assault or accident at work
• Kidney failure – requiring permanent dialysis
• Liver failure – of advanced stage
• Loss of a hand or foot – permanent physical severance
• Loss of speech – total permanent and irreversible
• Loss of the physical ability to look after yourself
• Major organ transplant – from another donor
• Motor neurone disease – resulting in permanent symptoms
• Multiple sclerosis – with persisting symptoms
• Open (structural) heart surgery – with surgery to divide the breastbone
• Paralysis of a limb – total and irreversible
• Parkinson’s disease – resulting in permanent symptoms
• Respiratory failure – of advanced stage
• Stroke – resulting in permanent symptoms
• Third degree burns – of specified severity
• Traumatic brain injury – resulting in permanent symptoms

A smaller additional lump sum may also be payable on diagnosis of certain critical illnesses which aren’t covered by the main list of critical illnesses. This is called Llama Life Additional Critical Illness Cover.

Full details on the conditions covered can be found in our product terms and conditions.

Llama Life Additional Critical Illness Cover is included with Llama Life Critical Illness automatically.

The additional payout is the lower of 25% of your Llama Life Critical Illness cover amount or £25,000. This doesn’t reduce your Llama Life Critical Illness cover amount and it will only be paid once for each person covered.

The additional critical illnesses included are:

• Low-grade prostate cancer 
• Carcinoma in situ of the breast – with surgery to remove the tumour 

You can find the full definitions of the illnesses covered and the circumstances in which you can claim in our product terms and conditions.

Your Critical Illness insurance will end when a claim for the full Critical Illness cover amount is paid. If you have a joint policy, the Critical Illness insurance will end for both policy holders when the first Critical Illness claim is paid.

Once you make a claim with us, one of our claims experts will inform you of what information you need to provide based on your situation. Initially they will need:

• Name of claimant
• Policy reference
• Details of the claim
• Confirmation of your identity

We may need other information or documents depending on the circumstance; we are here to help answer any questions you have on making a claim, however big or small so please call us on 0330 123 3747.

We all hope it won’t happen, but this means that if your child were to be diagnosed with one of the conditions listed in our product terms, we will pay the Children’s Critical Illness cover amount of £25,000 or 50% of your Llama Life Critical Illness cover amount.

The Children’s Critical Illness cover amount can be claimed once per child, for up to 3 children. This will not affect your Llama Life Critical Illness cover.