What do I need to apply for life insurance and how does the process work?

Applying for life insurance by phone

If you prefer to speak to someone, most insurers also let you apply by phone. This option may suit if you:

• Want help understanding how life insurance works
• Have questions about the policy specifics, extras or process
• Prefer not to share your personal details online

You’ll go through the same questions as on the online form, but a trained specialist will guide you through them. They may also be able to help you compare life insurance options if you’re not sure which to choose.

With Post Office, you can call our UK-based team to talk through your needs and apply over the phone¹ if that’s easier for you. Call 0330 123 3921 from 9am - 8pm Monday to Friday or from 9am - 5pm on Saturdays.

What documents will I need?

Most insurers won’t ask for documents unless they need more information from you. But it’s good to have a few things on hand just in case. These include:

• Proof of ID (like your passport or driving licence)
• Your GP’s contact details
• Details of any medical diagnoses or treatment

If you’re applying for over 50s life cover, which is different to regular life insurance, you won’t usually need medical checks or health information. With Post Office, you’re guaranteed to be accepted for this type of policy if you’re aged 50 or over and a UK resident.

Optional life insurance extras

During the application process, you might be offered extras to go with your policy. These can add extra cover, usually at an additional cost, and peace of mind, for challenging times in life, however unlikely or far off they might seem.

Popular policy add-ons include:

• Critical illness cover: Pays out if you’re diagnosed with a serious illness listed in your policy. It helps remove financial pressure so you can focus on your recovery
• Terminal illness cover: Pays out if you’re diagnosed with a condition likely to cause death within a set time (often 12 months). With Post Office Life Insurance, this is included as standard
• Children’s cover: Provides a cash payout if your child dies or suffers a serious illness or injury. It can help with costs like medical care, time off work or home adjustments

Things to keep in mind

When you apply:

• Be honest about your health and lifestyle when getting your quote. Don’t leave out details like medical conditions, your smoking history or alcohol consumption
• Don't assume you're covered for everything you need automatically. Always read the policy terms and conditions. Contact your insurer directly to confirm if you're covered for what you need
• Cover often costs less the younger you get it. Delaying getting covered could mean you pay higher premiums for it once you do

Once you’re covered:

• Keep a record of your policy documents
• Pay your premium on time every month
• Don’t stop paying them without speaking to your insurer (for instance as a way to cut living costs)
• Tell your insurer if your details change

How long does it take to get approved for life insurance?

Your application might be approved instantly if it’s straightforward. Or, if the insurer needs extra medical information or checks, it could take a few days to a few weeks.

At Post Office, many customers are approved and covered right away. If more details are needed, we’ll explain what comes next.

Once your policy has started

You’re insured from the point at which the policy starts. As long as premiums continue to be paid, your policy will remain valid. If you fall chronically ill after taking out your policy and have critical illness cover, talk to your insurer as soon as possible.

The end of the policy

It’s not a nice thought, but life insurance policies end one of two ways: when the term runs out or when you die.

Except in limited circumstances, such as if you are diagnosed with a terminal illness or have added critical illness cover, your payout isn’t for you to use. It’s there to support your loved ones after you’re gone. They can make a claim and get the amount agreed in your policy.

When you set it up, you’ll likely think about their current costs. Things like bills, childcare or school clubs. But it’s also worth thinking about the future. In 10 or 20 years, their needs might be very different. Your children may be grown up, or your partner might need care as they get older.

Thinking ahead can help make sure the payout still gives them peace of mind when the time comes.