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Life Insurance

Buy Life Insurance from Post Office with fixed payments for as little as £7 a month. Prepare for the unexpected - get a quote today.

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Get a Life Insurance quote today and protect what matters

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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First months cover on us

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

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Get a £50 gift card+

As a ‘thank you’ for choosing Life Insurance from Post Office, we’ll give you a choice+ of a £50 Argos, M&S or Gift Card*
(*Restrictions apply, see

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

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

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Why choose Post Office?

  • You can pay from just £7 per month for our life insurance or pay more and get up to £500,000 of cover**
  • Choose Level, Decreasing or Increasing cover to suit your lifestyle and budget
  • We include Terminal Illness Cover at no additional cost and pay out early if you're diagnosed with a terminal illness that meets our definition
  • Pay more each month to add Critical Illness Cover to your policy
  • We were voted Best Life Insurance Provider at the Awards in 2021, which makes it 13 years in a row^^.
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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. 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
  • The sum paid out will be the same whether a claim's made now or in the future

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 insured will increase annually by 3%
  • 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 two 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 7%
  • 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 7% 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

Could you keep paying the bills if you were diagnosed with a critical illness? Our Critical Illness Cover could help ease the financial burden on you and your loved ones at a difficult time, when you may not be able to work.

Spending a little extra each month for our Critical Illness Cover means that you could receive up to 25% of your payout should you be diagnosed with a critical illness that meets our definition.

Critical Illness Cover

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Post Office Here to Help in the hardest times

Once you’re covered, you’ll have access to the Post Office Here to Help Service^ at no extra cost. This is a one-to-one long term support from a dedicated personal nurse for your family if you die. We're also there for you if you lose someone yourself or are diagnosed with a serious illness. If it’s beneficial, a course of assessed therapy or counselling can also be provided when that difficult time comes, with a simple and understanding claims process and bereavement support at no extra cost.

Compare other life insurance products

Life Insurance

  • Pay from £7 each month and leave behind up to £500,000
  • Choose Level, Decreasing or Increasing cover to suit your lifestyle and budget
  • Terminal Illness Cover included
  • Add Critical Illness Cover at an extra cost

Over 50s Life Insurance

  • Pay from £7 each month and leave behind up to £10,000
  • 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

  • *Restrictions apply, see
  • **Monthly payments depend on the amount, length, type of cover and your personal circumstances.
  • ^ This service is provided by RedArc and is not part of the product contract and can be withdrawn at any time.
  • Post Office Money Life Insurance offers up to £500,000 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.
  • 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.
  • 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.
  • ^^In the last 13 consecutive annual 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.