Get a quote online
It’s quick and easy to get a quote for Post Office Life Insurance online.
It’s based on the answers you provided. This result is a guide only to help you consider and assess the amount of cover you may need to get your loved ones, home and lifestyle covered financially, in case the unexpected happens.
Based on the information you’ve provided you may need:
-This amount of cover will provide for everything you told us about. Please note: we'll only cover you for up to £750,000 **, maximum cover amount offered, which is dependent on your age at the time you apply for cover. Please see below for things you need to know.
Alternatives based on your answers:
To cover what’s left to pay on your mortgage
To cover your family’s lifestyle or debts
It's important to protect the things that really matter. Life insurance can give you that peace of mind. It's quick and easy to set up. It doesn’t need to be expensive, so why not get a quote today?
Get a quoteThere’s a range of reasons that people buy life insurance, as well as a number of benefits. We’ve put together life cover guides to help answer many of your questions. Here's a selection.
Milestones in people’s lives are often reasons for them to think about getting a life insurance policy.
For instance, buying a house, getting married and having a child can all make you think that you could do with some extra protection if the worst should happen.
You might be feeling that you’ve passed middle age, and you need to make some good provisions for the future.
If you're over 50, then compare our Life Insurance with our Over 50s Life Cover.
You may want to make sure that your mortgage is protected if you die, or that your family have a lump sum to help them with their finances after you’ve gone.
Whatever the reason, buying life insurance can give you peace of mind and be a cornerstone in a sensible financial plan for your loved ones’ futures.
It’s quick and easy to get a quote for Post Office Life Insurance online.
Monday to Friday: 9am - 8pm
Saturday: 9am - 5pm
Closed on Sundays and bank holidays
The monthly cost of life insurance depends on your personal circumstances. It can vary based on:
The more risk you pose to the insurer, the more your premiums are likely to be.
The type of life insurance you choose will affect how much you pay each month. Here’s a breakdown:
Even if two people choose the same type of policy, one might pay more than the other depending on their health, age and lifestyle.
When applying, calculate the cash payout you’d want your beneficiaries to receive. Based on that, we’ll work out your monthly premiums.
There’s no one-size-fits-all answer. You’ll need to think about your own situation, including your mortgage, cost of living, savings and any financial help your family might need if you’re no longer around.
As a rule of thumb, lower payouts tend to mean lower premiums. The premium is also based on how much of a risk the insurer thinks you are. So the healthier you are, the lower your premium might be. More detail is given on what’s considered higher risk below.
There’s no set average because everyone’s needs and circumstances are different. Your monthly premium will be based on things like:
This isn't an exhaustive list and different insurers may have other criteria and differing levels of scrutiny.
Your job may also play a role. Someone working in a high-risk role, like with explosives, will usually pay more than someone in a low-risk job, like a teacher.
You may be able to reduce your premium if you make healthy changes before applying.
For example, quitting smoking can help, but most insurers need you to be smoke-free for at least 12 months first. This includes nicotine patches and e-cigarettes. Drinking less alcohol or losing weight could also lower your cost. These changes need to happen before you take out the policy.
Your age matters too. Life insurance premiums are typically lower when you're younger and healthier. This means taking out a 30-year policy at age 18, for example, can be a cost-effective way to lock in low premiums for the long term, even if the policy may not be needed for many years.
Keep in mind term life products have a defined lifetime.
Use our life insurance calculator to adjust different options and see how they affect the cost of your cover.
Post Office Life Insurance is underwritten and administered by Scottish Friendly Assurance Society Limited. Neilson Financial Services Limited assist in the administration. If you buy Post Office Life Insurance over the telephone or online via the Post Office website, it is arranged and sold by Neilson Financial Services Limited, following an introduction by Post Office Limited. If you buy Post Office Life Insurance online via a price comparison website, it is arranged and sold by the firm that provides the price comparison website services.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: 100 Wood Street, London, EC2V 7ER.
Post Office Life Insurance offers up to £750,000 cover, depending on your age, for customers who are UK residents aged 18-70 at the start of the policy. The minimum term is 5 years and cover must end before your 90th birthday.
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.
1 0330 & 0345: Calls to 03 numbers will cost no more than calling a standard UK number starting with 01 or 02 from your fixed line or mobile and may be included in your call package. Calls may be monitored or recorded for training and compliance purposes.