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 an experience worth up to £200†
Choose a £100 gift card† or an experience worth up to £200† 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 an experience worth up to £200‡
Choose a £125 gift card‡ or an experience worth up to £200‡ 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
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Your mortgage
Choose a policy that could help you pay off a repayment or interest-only mortgage
Important information
Articles and guides
Protect your family
Life shouldn't stop for your loved ones if the unexpected happens to you. Let's make sure they'll be financially secure if the worst happens.
Can you write your own will?
A properly written will protects your loved ones and helps make sure provisions you’ve made like life insurance get paid to the right person if you die.
Life insurance and cancer
Whether you've been diagnosed, are in remission, or want to know how your existing policy works, here's what you need to know.
Whole of life vs term life insurance
Understanding the differences between policies enables you to get the best option for your needs.
Common law partnerships: how to protect each other financially
If you’re not married or in a civil partnership, your partner might face financial challenges they otherwise wouldn’t if you died. This guide explains what you can do to help protect them.
Cost of life insurance
Loads of factors will affect the average life insurance cost, from lifestyle and overall health to occupation. But you do have a say in what you pay.
How does inheritance tax work?
Inheritance tax is a tax that might need to be paid on the estate you leave when you die. The rules can be complex but, with good planning, you can often reduce how much is owed.
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?
Life insurance for over 65s
If you’re soon to reach 65, then you may be planning for your retirement. This is a good time to think about life insurance for over 65s, as a policy can help pay for things that your pension might not stretch to.
A complete guide to life insurance while pregnant
The cover you can get, what you need to disclose and why it’s important. All in one place.
Is life insurance worth it?
Life insurance can help your family financially if the worst should happen. Here, we look at some of the reasons you may wish to consider buying a life cover policy that's right for you.
Life insurance and coronavirus
Life insurance can help your family financially if the worst should happen, including death from Covid-19.
Life insurance and critical illness cover at 50: Protecting your future while you enjoy new adventures
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.
Boosting longevity: Are you doing these daily habits that make you live longer?
Discover daily wellbeing habits for a longer, healthier life, plus how to plan for the future with Post Office.
When should you get life insurance?
Understanding how life insurance works and the different options available can help you make your decision
Offer terms and conditions
Life Insurance
† Gift card or Experience offer ends 30 April 2027. Minimum premiums and 180-day qualifying period applies.
Over 50s Life Cover
‡ Gift card or Experience offer ends 30 April 2027. 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.