Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.
In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.
Existing customers: Please don’t phone unless it’s absolutely necessary.
We need to prioritise:
- Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
- Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.
If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.
For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.
Only choose a premium you can afford and only apply for the cover you need. The giftcard will be sent once your policy has been in force for six months. Tell me more about this offer.
Reasons to rely on Churchill for life insurance
Churchill Life insurance is provided by AIG. AIG Life Limited is an award winning specialist, receiving the 2019 Organisation of the Year award from Protection Review, and have 1.2 million customers across the UK.
99% of life claims paid out
Churchill Life Insurance is provided by AIG, which paid 99% of claims in 2018.
Support for children
The death of a parent or sibling can be one of the most devastating losses a child will ever face. If this happens, Winston's Wish gives bereavement support and guidance to children.
This can be withdrawn at any time.
Unlimited, 24/7 access to a GP
Get Smart Health services at no extra cost, giving you and your family unlimited, 24/7 access to health and wellbeing experts. This includes GP appointments over the phone or video call.
Find out more
This service can be withdrawn at any time.
Fixed monthly payments
If you don’t make any changes to your policy, your monthly costs will stay the same.
£10,000 advance payment
This is a payment of up to £10,000. It brings some early financial relief when a claim has been assessed and agreed as valid but the full amount is delayed due to legal requirements or other checks.
Claims support fund
Up to an additional £300 for unexpected expenses as long as they are related to the cause of your eligible claim. It can be used for things like hospital car park charges and transport.
What is life insurance?
It's a type of insurance designed to financially support your loved ones should you pass away. Life insurance pays out a lump sum to your family if you die during the policy. How much it costs depends on things like your age, health and lifestyle.
Why do you need life insurance?
Paying monthly for life insurance helps your family through financial uncertainty if the worst happens and you die or are diagnosed with a terminal illness. They will receive a lump sum to help cover bills and other expenses that can quickly become unmanageable.
You can place your policy in a trust which will help take control of your family's financial security. You specify who receives the proceeds in the event of your death.
Which insurance is right for you?
How is our Over 50s Life Insurance different to our Life Insurance?
With our Over 50s Life Insurance, you’ll be covered for the rest of your life without having to go through any medical assessments. You’re guaranteed to be accepted and the insurance payout can go to things such as funeral costs. Whereas with Life Insurance, if you die during the term of the policy, your chosen beneficiary will receive a lump sum to pay off things such as a mortgage, debts, bills and expenses.Go to over 50s life insurance
We offer two levels of life insurance;
Level term life insurance
Also known as level insurance, this is designed to pay your chosen amount of cover if you die or are diagnosed with a terminal illness during the policy. This remains the same for the duration of the policy (as do your payments) unless you change it. May be suitable for an interest-only mortgage as the cover amount remains the same, or where you want to leave a specific amount of money to help support your family.
Decreasing term life insurance
Also known as decreasing insurance, this is designed to cover a repayment mortgage. Your amount of cover will reduce each month, to reach zero when your insurance ends. This works in the same way as the outstanding amount on a repayment mortgage with an annual interest rate of 8%.
For both levels you can apply for life insurance up to the age of 75.
Each level of life insurance is available as:
A tax-free lump sum is paid when the policyholder dies during the length of policy.
Only one lump sum is paid to the surviving partner when the other dies during the length of policy. The policy will then cease. Should both the insured die at the same time, there would still only be one lump sum paid.
How much life insurance do you need?
You can use our online life insurance calculator to help you work out how much life insurance you might need.Get started
Add critical illness insurance
Critical illness cover, provided by AIG, is an optional level of cover
You can take this out for an added cost at the same time as your life insurance. If you're diagnosed with cancer, have a heart attack or suffer a stroke during your policy, you'll receive a sum of money as long as you survive for 14 days after your diagnosis. See the Life insurance key facts to check whether it’s suitable for you.
Things you need to know
- For level insurance, your policy may not completely pay off your outstanding mortgage unless you ensure that your amount of insurance is adjusted to match any new mortgage arrangements.
- For decreasing term life insurance you must also check that the interest rate applied to your mortgage does not become higher than the interest rate applied to your policy.
- If you add Critical 3, this must be at the same time as your Life Insurance policy. If in future you wish to cancel your Life Insurance policy, you will also have to cancel your Critical 3.
- Life insurance isn’t a savings or investment product, and therefore has no cash value until a successful claim is made. Inflation may reduce the value of your insurance.
Download life insurance policy documents
Remember, if you already have life insurance with us, the wording of your policy may differ from the one you’ll find here.
Churchill customers are introduced to AIG Life Limited (AIG) by UKI Business Solutions.
Information about our life insurance services
Updated July 2019
AIG policies taken out after 22 July 2019
Our pick of helpful life insurance questions
Yes, you can have more than one life insurance policy, and they don't need to all be with the same provider. When you apply for a new life insurance policy, you may be asked whether you already have life insurance, as certain restrictions may apply.
This will depend on how you set up the policy. In the event of your death, the payment will normally go to:
- Your spouse/partner if you have a joint policy with them.
- Your estate, unless the policy is in a trust or is owned by someone else.
- A trust, if that’s what you’ve specified. Trustees will distribute the money in accordance with your wishes.
In the event of a terminal illness or critical illness claim the money usually goes to the person covered.
You can choose how much life insurance you buy, subject to terms and conditions. You might want your policy to pay out the value of your mortgage, a specific lump sum for your dependants or provide enough to cover both. To help you get an idea of how much insurance you might need, take a look at our cover calculator.
You can choose your policy length, subject to that set out in the Key Facts document. You may wish to consider when you plan to retire, the length of any financial commitments like your mortgage, and the age of any dependents you may have. These are factors that may indicate how many years you’d like the policy to run.
Critical illness cover is designed to pay out if you’re diagnosed with a specific illness which would have a severe impact on your life. Churchill’s critical illness cover, provided by AIG is called Critical 3 and can be added for an extra cost when buying Life Insurance. Critical 3 gives you an extra level of cover for specific types of cancer, heart attack and stroke. Please refer to the policy documents for more information.
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Page updated: 27th February, 2020