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Life insurance

Apply for Post Office Life Insurance and depending on your age, you could qualify for up to £750,000** of cover. Prepare for the unexpected - get a quote today.

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Get a Life insurance quote today and protect what matters most

It's important to protect the things that really matter – like your loved ones, home and lifestyle – in case the unexpected happens. Life insurance can give you that reassurance. It's quick and easy to set up. It doesn’t need to be expensive, so why not get a quote today?

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 As a 'thank you' for choosing Life Insurance from Post Office, we'll give you a choice+ of a £50 Tesco, M&S or Gift Card*

+After qualifying period. T&Cs apply. Offer T&Cs apply, click here for details.

*Restrictions apply, see

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First month's cover on us

You'll start paying for your Life insurance after the first month. 

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Why choose Post Office?

  • You can get, depending on your age, up to £750,000 cover if you die or are diagnosed with a terminal illness **
  • Terminal illness cover from day one, lump sum paid in full if you're diagnosed by a medical specialist if you're expected to die within 12 months
  • Choose Level, Decreasing or Increasing cover options to suit your lifestyle and budget
  • Option to add critical illness cover to your policy, at additional cost; helps pay a lump sum if you suffer from a critical illness, providing extra financial support while you're recovering
  • Option to add children's cover to your policy, at additional cost; designed to help cover extra cost like medical expenses if your child suffers accidental death or specified serious injury or illness
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    Best Life Insurance Provider 2022

    Your Money Award - 14 years in a row

    Post Office is proud to have won the Best Insurance Provider at the Awards in 2022, which makes it 14 years in a row. ^^

life insurance award 2022

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Types of Life insurance

Post Office offers three types of life insurance

What is it for?

Providing for your loved ones and/or paying off an interest-only mortgage if you die.


Why might you need it?

If you want a Life insurance policy that pays out a fixed amount if you die, choose Level cover option. As long as you have your policy in place it will pay a fixed sum that could help your loved ones pay off an interest-only mortgage, clear other debts and maintain their lifestyle. 


Compare cover types

How does it work?

  • You pay a fixed premium each month
  • If you die during the life of your policy your loved ones could receive a cash sum pay-out
  • Both your lump sum and monthly payment will remain fixed during the term of your policy
  • You can choose to add optional Critical Illness Cover at additional cost
  • Option to add Children's Cover to your policy, at additional cost

The amount you pay tends to be more than for Decreasing Cover because the pay-out doesn’t reduce. Make sure you consider the effect of inflation when making your calculations.

What is it for?

Providing for your loved ones and reducing the impact of inflation on the money you leave if you die.


Why might you need it?

As time goes by inflation can make the cost of living go up. Increasing Cover is a way to reduce the impact of inflation on the money you leave behind for your loved ones. The cash sum paid out if you die increases each year you have the policy in place.


Compare cover types

How does it work?

  • You’ll pay a fixed monthly payment each month
  • Your sum assured will increase annually in line with retail price index, up to a maximum of 10%
  • As a result, your monthly payments will increase annually, but stay fixed for each 12 month period
  • The longer the policy is kept, the higher the payout will be if you die during the term of the policy

You can reject each annual increase before it takes effect. But if you do this for three consecutive years we'll change your policy to a Level Cover policy. Increases in monthly payments will be set out in the policy schedule.

What is it for?

Typically used to pay off a repayment mortgage if you die.


Why might you need it?

Get the cover you need now and protect your loved ones from debts that reduce over time, such as a repayment mortgage, credit cards and loans. Decreasing Cover's often called mortgage life insurance for that reason. 


Compare cover types

How does it work?

  • You pay the same fixed premium amount each month (but lower than for Level Cover)
  • The payout amount decreases each month in line with a capital and interest repayment mortgage with a fixed interest rate of 8%
  • Your loved ones could get a cash sum if you die during the term of the policy's life

The policy value decreases over time broadly in line with the reducing amount owed on a capital and interest repayment mortgage, although that does depend on your mortgage interest rate so you do need to check that you would be covered.

If your mortgage rate is higher than 8% or if your borrowing changes this amount may not be enough. 

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Life insurance calculator

Work out how much life insurance cover you may need with this easy-to-use calculator.

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Critical Illness Cover

Critical illness cover and children's cover

Could you keep paying the bills if you were diagnosed with a critical illness, like cancer or a heart attack? Adding optional critical illness cover to your Life insurance with Post Office, and spending a little extra for it, could help ease the financial burden on you and your loved ones at a difficult time, when you may not be able to work to provide for them.

Serious conditions can affect anyone, at any age. That’s why, here at Post Office, we also offer children's cover, so you can protect your little ones too. By choosing to add this optional extra, you'll get a one-off lump sum payment if any of your insured children suffer an accidental death or are diagnosed with a serious injury or illness, to help support you and your family at a difficult time.

Critical Illness Cover
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Reasons to choose Post Office Life Cover

We all know that life cover is there to support your loved ones should the worst happen, here at Post Office, we know that there’s more to it than just financial protection. That's why when you choose Post Office you will have access, when you're covered, at no additional cost to the following additional services:

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Post Office Here to Help Services ^

This is one-to-one, long-term support from a dedicated personal nurse for you and your family in the case of serious illness or bereavement. In these most difficult times, a nurse from an independent nursing service, will provide support if you lose someone, and to your immediate family if you pass away.

They'll also be there for you if you're dealing with a serious illness such as cancer, cardiac condition, stroke or multiple sclerosis. The experienced nurse can give lots of practical advice and emotional support and if it’s beneficial, a course of assessed therapy or counselling can also be provided. And you can use the service without ever having to claim on your policy, at no extra cost

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Post Office Health and Wellbeing Services^

Access to the health and wellbeing service, is designed with your physical and mental wellbeing in mind. You'll have access, at no additional cost, to 24/7 Online GP (UK registered), Nutrition and Fitness professional to get you to your goal, Mental Health and Health Check specialist 365 days a year. There’s no cap on how many times you can use these services, and your partner and any children up to age 21 can take advantage too.

Compare other life insurance products

Life insurance

  • Choose from £10,000 to £750,000 of cover, depending on your age **
  • Choose Level, Decreasing or Increasing cover to suit your lifestyle and budget
  • Terminal illness cover included
  • Add Critical illness and Children's cover, at an extra cost

Over 50s Life insurance

  • Get up to £10,000 of cover depending on your age
  • For UK residents aged 50 to 80
  • No medical required
  • Choose to add funeral benefit option at no extra cost

Already a customer?

Get help with an existing Post Office Life Insurance policy, or find out how to make a claim.

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Life insurance FAQs

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Still have questions about life insurance?

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Get a quote


Its quick and easy to get a quote online today

Call us on

0330 123 3921
We are available; 8am-7pm Mon-Fri 9am-5pm Sat Closed on Sundays

Things you need to know

  • ** Your cash sum is dependent on your age, smoker status, length and type of cover and your personal circumstances at the time you apply.
  • ^These services are not part of the product contract and can be withdrawn at any time without notice. Post Office Here to Help (provided by RedArc Limited) and Post Office Health and Wellbeing Services (provided by MediPartner Limited) are independent health and advisory services and are not regulated by the Financial Conduct Authority.
  • 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 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.
  • Critical Illness Cover can pay an extra cash sum if you are diagnosed, during the term of your policy, with one of the four critical illnesses covered that meets our definition.
  • 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, you can apply for cover. Please see Terms and Conditions for further details about the restrictions that apply.
  • ^^ In the last 14 consecutive annual Awards, Post Office Insurance 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 award in 2020.


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, it is arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy Post Office Life Insurance online, it is arranged and sold by Neilson Financial Services Limited, following an introduction by Post Office Limited.


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: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ