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Fortify - My Life

Life Insurance – instant cover with no medical underwriting

With Fortify Insurance Solutions you can get life cover without the need for lengthy application forms, a medical or underwriting delays.

Fortify Insurance Solutions offer:

  • A quick and easy online application - covered in a few minutes
  • Only 11 questions to complete with instant cover available
  • Policies from as little as £5 per month
  • Underwritten by Covéa Life Limited

How it works?

Your Fortify plan will pay a lump sum of money if one of the lives covered dies during the term of the policy. All you need to do is choose how much cover you want, how long you would like to be covered for and whether you need level or decreasing cover.

These 2 options are explained below in order to help you make the right choice:


Level cover

Provides a one-off cash sum if you die within the cover period

Also pays out if you should unfortunately be diagnosed with a terminal illness during the cover period

The cover amount is fixed from the start date and won’t change

Premiums are calculated at outset and remain the same over the term of the policy

Also can be used to cover the fixed amount on an interest only mortgage or loan, where the amount you owe stays the same year on year

Decreasing cover

Provides a one-off cash sum if you die within the cover period

Also pays out if you should unfortunately be diagnosed with a terminal illness during the cover period

This type of cover means that the cover amount will decrease monthly by an equivalent annual interest rate of 8% each year during the cover period

Can be used to cover the reducing amount owed on a capital and interest repayment mortgage or loan, where the amount you owe decreases year on year

Premiums are calculated at outset and remain the same over the term of the policy

Partnered with Covéa Life

Fortify Insurance Solutions provide this cover which is underwritten by Covéa Life.

Who are Covéa Life?

Covéa Life is an insurance underwriter who specialise in Term Life, both on a level and decreasing basis, along with optional terminal and critical illness cover. In addition, they offer Simple Term Life as well as Guaranteed Acceptance Over-50 Products.

Covéa Insurance

Did you know?


  • The UK has the largest insurance industry in Europe and 4th largest in the world
  • Around 2.1 million new individual and group protection products were taken out in 2015
  • UK Insurers contribute £35bn to the UK economy
  • There are 305,500 people employed in the UK Insurance industry
  • 97% of Protection claims (including 98% of terms life insurance claims) presented were paid out in 2015
  • Insurers paid out £9.9m every day in 2015 for protection policies, including income protection, critical illness and life insurance

*The Association of British Insurance UK Insurance and Long Term Savings Key Facts document - Source

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