Free life cover for parents

If you have children aged under four years old, you could get £15,000 of life cover free for a year.

With our Free Parent Life Cover, a cash sum is paid to your loved ones if you die in that time.

It's quick and easy to apply. And, if you're eligible (see criteria below) and haven't applied to cover the same child before, we'll accept you.

With our Free Parent Life Cover:

• Parents with children under 4 years old can take advantage of our free life cover for 1 year
• Each parent can apply for separate policies and be covered for a cash sum of £15,000 for each child under 4 years old
• You can get covered immediately online or by phone

Plus, it can help as you consider what further protection your loved ones need now or in the future.

Protect all of your children

Each parent can apply for Post Office Money Free Parent Life Cover. And each policy will provide each parent with £15,000 of cover on their own life per child, for up to eight children.

So, for example, if you've three children under four and two parents take out a policy, you'll get £45,000 of cover each free for a year. And if two parents have the maximum eight children and each take out a policy, that's £120,000 of cover each.

Still have questions about life insurance? Visit our help page

Things you need to know

† Source: LV=, Cost of a Child Report, 2015.

Post Office Money Free Parent Life Cover is provided by The Royal London Mutual Insurance Society Limited.

You can apply for Post Office Money Free Parent Life Cover if you are aged 18 to 66, you are a UK resident and named on the child's birth certificate, adoption certificate, final residence order or special guardianship order.

You cannot apply if you have had a positive diagnosis of HIV infection nor, within the last 12 months, received medical treatment for cancer (including leukaemia and lymphoma).

The policy will not pay out if you commit suicide, or die as the result of attempted suicide, a self-inflicted injury, an HIV-related illness, or your death is linked to being under the influence (temporarily or otherwise) of drugs or alcohol.

Cover will expire after 12 months.

You can apply once for each child you have so if you’ve already made a previous application for the same child for Post Office Money Free Parent Life Cover you cannot reapply.

Each child must be under 4 years old.

You will need to answer 3 survey questions on safeguarding your family’s future during the application process to get Post Office Money Free Parent Life Cover.

We recommend reading all details, including our Key Information Pack before taking out any kind of insurance to make sure it's right for you. Get some financial advice if you're unsure. Get unbiased help contacting professionals such as IFAs and solicitors.