Barclaycard LifestylePlan has been designed to offer flexible protection for your income, allowing you to tailor your cover options to suit your lifestyle so you can be covered for life's ups and downs.

Choose from Involuntary Unemployment, Accident and Sickness and Life Cover. Life Event cover will be included in any LifestylePlan policy that you take out.

You choose the monthly benefit that will meet your needs. Up to 50% of your monthly gross earned income, or £2,000, whichever is the lower amount.

• You can choose to defer your benefit payments for 30, 90 or 180 days.
• You choose the maximum period your claim can last, either 12 or 24 months. This would be the maximum number of months your monthly benefit would be paid.

10% Cashback

If you don't make a claim within 12 months from when you first took out your policy and have paid all premiums due over that period you will qualify for 10% Cashback.

Life Event

• Life Event cover is included when you take out a LifestylePlan policy. Your quotation will include £2.50 per month for Life Event cover.
• Life Event cover can provide you a lump sum payment of £250 when you get married, get divorced, have a baby, adopt a child, move home as a result of a change of job over 125 miles away or are called for Jury service.

What's not covered?

• We're sorry but you can't claim your Life Event benefit if you have fostered a child, temporarily moved house or temporarily separated from your spouse.
• You can only claim for up to a maximum of two life events in any 12 month period.
• To qualify for your life events benefit your marriage or civil ceremony must occur more than 6 months after the start date of your policy.
• The birth or adoption of your child must occur more than 9 months after the start date of your policy to qualify for your benefit.
• If you move home it must be as a result of a change of work and the move must be in excess of 125 miles from your current home address.
• You will only be eligible to claim your benefit if you are called for and attend Jury service more than one month after the start date of your policy.
• You must be under the age of 70 when your life event occurs.

Choose cover options from:

Involuntary Unemployment Cover

• If you lose your job through no fault of your own this cover can help you whilst you look for a new job.

What's not covered?

• You won't be eligible for cover if you knew that you would become unemployed before the start date of your policy. Once your policy is in place you can't make a claim in the first 60 days.
• Your unemployment must be involuntary and you must have been working continuously for six months immediately prior to your claim.
• Unemployment following the expiry of a fixed term contract or the end of seasonal or temporary work or where you are self-employed and your business has not permanently ceased to trade can't be covered.
• You must be under the age of 70 on the first day of your unemployment.

Accident & Sickness Cover

• If you are unable to work due to an accident or serious illness you could receive up to 50% of your monthly income. Giving you support when you need it most.

What's not covered?

• You can't claim Accident & Sickness cover for any pre-existing medical conditions, or if your injuries are self-inflicted.
• You must be working, and your accident or sickness must occur after the start date of your policy.
• You must be under the age of 70 on the first day of your accident or sickness.

Life Cover

• Life Cover offers you the option to plan for the future. In the event of your death your loved ones could be cared for financially.
• Your next of kin could receive up to £25,000 lump sum if you were to die.

What's not covered?

• Any condition, injury, illness, disease or sickness for which you have had symptoms, consulted a Doctor, or received treatment or medication during the 12 months immediately before the start date of your policy will not be covered.
• A suicide within 12 months of taking out a policy will not be covered.
• You must be under the age of 70 on the date of your death.

Who is eligible?

LifestylePlan is available to anyone aged over 18 and under 70. You'll need to be a resident in the UK at the start date of your policy and under the age of 70 at the time of the event giving rise to a claim in order to be able to make a claim.

For full details of who is eligible and what is and isn't covered please read the Guide to Insurance.

Download the LifestylePlan Guide to Insurance in PDF format

More about LifestylePlan

In the key features tab you'll find a summary of the main benefits and exclusions of the policy. Further details of the exclusions, limitations and conditions of cover can be found in the Guide to Insurance.
You can download the Guide to Insurance in PDF format here†

Apply now for your personalised quote

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Find out more by reading through the following Frequently Asked Questions.

Barclaycard LifestylePlan can help people at different life stages.

The Case Studies below present possible scenarios where LifestylePlan may meet customers’ needs. They are not based on actual customer information and do not constitute advice.

Customer Example 1:

Miss A is 27 and has just started a new full time job. It's an exciting time, but understandably Miss A is also concerned about the current state of the job market. That’s why she's decided to select the following LifestylePlan options:

• Involuntary Unemployment cover and Accident & Sickness Cover:
  In the past Miss A wasn't concerned about this kind of cover, but becoming a mum has changed the way she feels. To help give her peace of mind about the future Miss A has opted for both the unemployment and health cover options.

Life Event:
It's great that Life Event is included in Miss A's policy. When she get's married she'll benefit from a cash lump sum of £250.

Customer Example 2:

Mr B is 44 and has worked as the manager of a print company for the past ten years. His wife is a full-time mum and housewife. They have two children aged 15 and 17 who are both planning to go to university.

With all the recent changes to the financial markets they were keen to have more flexible financial options available. That's why they chose the following LifestylePlan options:

• Involuntary Unemployment and Accident & Sickness cover:
  Mr. B and his wife have agreed that protecting Mr B's income is even more important than ever now they will need to support their children through higher education. These two types of LifestylePlan cover could give Mr. B the financial help if he becomes seriously ill or loses his job, through no fault of his own, in the future.
• Life Cover:
  Providing for his family is important to Mr B and that's why he wants to ensure in the event of his death they could have financial help

10% cashback:
After 12 months if Mr B hasn't made any claims on his policy and he's up to date with his monthly premiums we'll give him a refund of 10% of the premiums he has paid out over the year.

Customer Example 3:

Mr C is aged 54 and is a self-employed architect who has a personal pension scheme. His wife is 55 and works as an office manager. She’s planning to retire at the age of 60 and has a company pension scheme.

Although they're both fit and active now they want the reassurance of knowing they'll be protected if they fall seriously ill and can no longer work. With all the recent changes to the economy Mr C's feeling concerned about the long-term future of his business. That's why they've both selected the following LifestylePlan options:

• Accident & Sickness and Involuntary Unemployment cover:
  Taking out these two types of cover means that the couple could keep paying their bills and making their pension contributions if they make a successful claim. Mr. C also has the reassurance of knowing that the Involuntary Unemployment cover could protect him if he ever has to take the step of winding up his business due to financial difficulties.
• Life Cover:
  Although it's difficult to think about, they've each taken out a Life Cover policy. This means that if one of them passes away before the end of their policy the other will have a lump sum payment to help them through.

It's important that you read the following important policy documents before committing yourself to any financial purchase:

Download the LifestylePlan Guide to Insurance in PDF format