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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?

Gift card offer

As a 'thank you' for choosing Life Insurance from Post Office, we'll give you a choice+ of a £100 Tesco, M&S or Amazon.co.uk Gift Card*

+After qualifying period. Offer T&Cs apply, read the full details

*Restrictions apply, see amazon.co.uk/gc-legal

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

Get a quote online

It’s quick and easy to get a quote for Post Office Life Insurance online.

Get a quote by phone

Monday to Friday: 9am - 8pm

Saturday: 9am - 5pm

Closed on Sundays and bank holidays

YourMoney.com Personal Finance Winner 2022 - Best Life Insurance Provider award

Best Life Insurance Provider 2022

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

Types of Life insurance

Post Office offers three types of life insurance

Compare cover types

  • Level cover option
  • Increasing cover option
  • Decreasing cover option

Level cover option

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

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

Increasing cover option

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

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 increase each year 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

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.

Decreasing cover option

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

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
  • You can choose to add optional Critical Illness Cover at an additional cost
  • Option to add Children's Cover to your policy at an additional cost

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

Life insurance calculator

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

Father and son who is holding a model plane above his head running along a wet sun set soaked beach

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.

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:

Post Office Here to Help Services^

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.

Post Office Health and Wellbeing Services^

Access to our 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.

About these support services

These services are separate to and don’t form part of the policy contract. They’re available to policyholders for free but may be withdrawn at any time.

Compare Life Insurance with Over 50s Life Cover

  • Life Insurance

    • Get up 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 additional cost
  • Over 50s Life Cover

    • Get up to £10,000 of cover depending on your age
    • For UK residents aged 50 to 80 
    • Guaranteed acceptance with no medical required 
    • Choose to add Funeral Benefit Option at no extra cost 

Common life insurance questions

  • Life insurance is a policy that pays out a lump sum to your family or loved ones should you die or are diagnosed with a terminal illness, during the term of your policy.

    We know you'd rather not think of the time when you're no longer around. But it's important to protect the things that really matter – like your loved ones, home and lifestyle – in case the unexpected happens.

    It can also give you reassurance. It's quick and easy to set up. And it needn't be expensive.

  • Life insurance is a topic that people rarely want to think about, but there are certain life moments that can make you look seriously into taking out a policy. If you have people who depend on you, like children or a partner, then it can be sobering to think about what might happen to them if you were to pass away unexpectedly.

    If you want to protect your loved ones against any uncertainty and be relaxed in the knowledge that, if the worst were to happen, your dependants would at least be financially covered, you might want to research getting a life policy. Common life moments that prompt people to take out a life insurance include getting married, having a child and buying a house. However, there are plenty of other reasons.

  • Your monthly payments will continue until the earliest of these:

    • The end of the term of your policy
    • Your death
    • Our acceptance of your diagnosis of a terminal illness

    If you make a claim after being diagnosed with a terminal illness, please don't stop paying your monthly payments until we've confirmed your terminal illness meets our definition, as per the Terms and Conditions.

  • Even if you don't have a mortgage, life insurance could help your family cover the cost of everyday living and maintain their lifestyle. Things like rent, private or university education costs, birthdays and weddings all need paying for. You may even need cover to pay for domestic tasks if the person left behind has to pay someone to do them after you're gone.

  • It pays a cash sum if you suffer from heart attacks, strokes (depending on the severity), coronary artery or certain types of cancer that meet our definition during the term of your life insurance policy.

    At such a difficult time, it can ease financial pressures on you, your family or your partner – like helping pay for a mortgage, rent, everyday living costs, even modifications needed to your home as a result of your illness. Find out more about our critical illness benefit.

  • For more FAQs visit our Life Cover support page

Need some help?

Life Cover help and support

To make a claim, find answers to common questions, access bereavement and wellbeing support or contact us for something else:

Visit our Life Cover support page

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.

*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.

^ 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 YourMoney.com 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 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.