Things you need to know
Terms and conditions apply. Please refer to the policy wording.
Post Office Life Insurance is provided by The Royal London Mutual Insurance Society Limited.
It offers up to £500,000 of life cover 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 81st birthday.
We won’t pay a claim on death if it was as a result of suicide or intentional self-inflicted injury within 12 months of the start date of your policy.
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.
The Critical Illness Cover is an additional option to Post Office Life Insurance, and Post Office Life Insurance Terms and Conditions apply. Find out more
Critical Illness Cover 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.
If your Post Office Life Insurance policy ends, your Critical Illness Cover ends and you cannot make a claim.
If you’re choosing to add Critical Illness Cover to meet a specific financial commitment, you need to be comfortable that the amount of the extra cash sum will meet your needs. We cannot provide you financial advice, but you can find a financial advisor at unbiased.co.uk.
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 an incorrect answer 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.
^^In the last 13 consecutive annual YourMoney.com Awards, Post Office has won at least one of: Best Online Life Insurance Provider, Best Direct Life Insurance Provider or Best Life Insurance Provider. On each occasion, we were shortlisted for our product features and price, before being judged by a panel of readers on the quality of service provided. There was no Awards in 2020.