Things you need to know

Monthly payments depend on the amount, length and type of cover and your personal circumstances.

Post Office Life Insurance is provided by The Royal London Mutual Insurance Society Limited. 

The minimum term is 5 years and the maximum term is 50 years. The cover must end by the anniversary of the start date of the policy on or after your 80th birthday.

Within 12 months of the start date of your policy we won't pay a claim on death if it was a result of suicide or intentional self-inflicted injury.

Critical Illness Benefit can pay an extra cash sum if you are diagnosed, during the term of your policy, with one of the three critical illnesses covered that meets our definition  and then survive for at least 10 days after. 

We won’t pay a claim on terminal illness if you don’t meet our definition  of terminal illness; or terminal illness is caused by intentional self-inflicted injury within 12 months of the start date of your policy. The full definition of terminal illness can be found in the Terms and Conditions.

We won’t pay a claim if you don’t keep your payments up to date as you will no longer be covered under the policy. If you don’t tell us something or give us incorrect answers to our application questions that affects your cover we may reduce the amount we pay for a claim or at worst cancel your cover and not refund your monthly payments. If you’re a UK resident aged between 18 and 70, excluding members of the Armed Forces, Army Reserve (previously known as the TA) or Reservists, you can apply. Please see Terms and Conditions for further details about the restrictions that apply.