Life Cover - Insurance and Protection | Ulster Bank

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Life Insurance

Most people insure their car, mobile phone, even fridge - what about protecting the people that matter?

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Life Insurance is provided by AIG

Smart Health from AIG

Smart Health is a non-contractual benefit, that is available to customers once they have taken out a life insurance policy with AIG.


All AIG customers get unlimited access to Smart Health.

The Smart Health app and website gives you and your immediate family easy access to a 24/7 virtual GP, as well as a range of other health and wellbeing experts. You’ll get full details of how to download the app and access the website when you take out life insurance with AIG.


With Smart Health from AIG you can get:

Virtual GP access

24/7 unlimited access to a virtual GP, you can book a 30 minute appointment whenever and wherever you are in the world.


Access to world leading experts

If you need a second opinion on a medical condition,  you can get access to world leading experts who will assess your diagnosis and provide recommendations for treatment.


Mental health support

A dedicated team of mental health specialists are available to offer personalised care and provide the right support strategy and treatment for you.


Smart Health is a non-contractual benefit which can be withdrawn at any time without notice. Smart Health is provided to AIG Life Limited customers by Teladoc Health.

Why is protection important? Having insurance for the things we value is simply common sense

Insurance for family and mortgage

Life Insurance is provided by AIG. It pays a cash lump sum if you die, or you are diagnosed with a terminal illness while you are insured. Insurance is available to UK residents aged 17 - 86 

I want to protect my family and mortgage 

Level Insurance
This pays out a fixed amount , so it’s a good way to help give your family a financial safety net.


Decreasing Insurance
Helps protect you if you have a repayment mortgage or loan.


Increasing Insurance 
This helps protect your insurance from the effects of inflation, giving you and your family extra reassurance for the future.

Critical 3 with Life Insurance

Critical 3 with Life Insurance is brought to you by AIG. It will pay out a sum of money if, while you're insured, you suffer from certain forms of cancer of a specific severity, a heart attack or stroke. It will also pay out if you die or you're diagnosed as terminally ill.


You could use the money to help pay off your mortgage, or help to pay for unforeseen costs due to your illness such as rehabilitation treatments or alterations to your home. Available to those between the age of 17 to 75.

Are you over 60? 

Guaranteed Sixty-Plus Life Insurance provides a payout that could be used towards funeral expenses or to leave behind a gift for your loved ones. Click here for more information.

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