Life cover options
Join thousands who trust Post Office Life Insurance and Over 50's Life Cover
Protect your family, mortgage and lifestyle, cover funeral costs or leave a legacy
99.1% of life insurance claims paid in 20241
Post Office life cover options
Life Insurance
£100 gift card or a £200 experience offer
Choose a £100 gift card† or £200 experience†† when you buy Post Office Life Insurance.
Offers T&Cs, qualifying period and minimum premiums apply
Protect your family, home and lifestyle
- Cover up to £750,000
- For UK residents aged 18-70
- Choose level, decreasing or increasing cover
- Optional critical illness and children’s cover
Over 50s Life Cover
£125 gift card or a £200 experience offer
Choose a £125 gift card‡ or £200 experience‡‡ when you buy Post Office Over 50s Life Cover.
Offers T&Cs, qualifying period and minimum premiums apply
Cover funeral costs or leave a legacy
- Cover up to £10,000, depending on age
- No medical needed
- Guaranteed acceptance for UK residents aged 50 to 80
- Add Funeral Benefit Option at no extra cost to receive up to a £250 discount2
Reasons to choose life cover from Post Office
We've won Your Money awards for 15 years, including Best Life Insurance Provider in 2022 and Best Over 50s Life Cover in 20233.
What do you need to protect?
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Your family
Pay a little every month to help protect your loved ones financially if you pass away
-
Your mortgage
Choose a policy that could help you pay off a repayment or interest-only mortgage
Important information
Articles and guides
Life insurance for self-employed people
Life insurance is more than just a safety net. It can be a smart investment in your family’s future and your business’s continuity, especially if you’re self-employed.
Life insurance and critical illness cover at 50: Protecting your future while you enjoy new ...
Turning 50 is a great time to try new things. The right life cover can help you enjoy travel, hobbies and big life changes without worry.
How much is a funeral in the UK?
No one really likes to think about their funeral. But it’s important to because they can be expensive.
Death in service vs life insurance
Death in service cover is a useful employee benefit but relying on it alone could put your family at risk financially. Find out how it compares to life insurance and why ...
Family life insurance: protecting your loved ones
Your family is unique. Protecting them from life’s uncertainties is important. Life insurance offers a way to provide financial security for your loved ones if something ...
What is life insurance?
Life insurance can offer your loved ones peace of mind and financial security if you pass away or become critically ill.
The nation's relationship with life insurance
For many people, life insurance is an important way to protect their loved ones. But how many of us actually have it? And how much do people really know about this kind ...
Understanding mortgage life insurance
If you want to leave your loved ones financial protection for your home, even if you’re not there to help pay the mortgage, you may want to take out mortgage life ...
Joint vs single life insurance policies for couples: what’s best for you?
Choosing the right life insurance policy as a couple can be challenging. Should you apply for one joint policy or take out separate single policies instead?
6 reasons why you need life insurance
It seems there are certain events in people’s life that prompt them to buy life insurance.
Life insurance vs life assurance
What’s the difference between life insurance and life assurance? We can help with that.
Offer terms and conditions
Life Insurance
† Gift card offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies.
†† Experience offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies.
Over 50s Life Cover
‡ Gift card offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies.
‡‡ Experience offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies
Other footnotes
1 Scottish Friendly paid 99.1% of life insurance claims they received in 2024.
2 Discounts available depends on funeral type selected. £250 for Tailored, £100 for Essential & £50 for Direct to Cremation.
3 In the last 15 consecutive annual YourMoney.com Awards, Post Office was shortlisted for our protection product features and price, before being judged by a panel of readers on the quality of service provided. Post Office Insurance won at least one of: Best Online Life Insurance Provider, Best Direct Life Insurance Provider, Best Life Insurance Provider or Best Over 50s Life Cover.