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Life insurance

from £6 a month

Claim a gift card up to £120,
depending on
monthly premium,
with a new policy

Only choose a premium you can afford and only apply for the cover you need. Limited to two per household when your policy has been in force for four months. Tell me more about this offer.

98.3% of claims
paid out

Churchill life insurance is provided by Legal & General, which paid 98.3% of claims in 2017.

Making a claim

Advance payment

It’s a payment of up to £5,000, to help offer early financial support while the full claim is assessed.

Find out more

Fixed premiums

Your monthly cost stays the same for the life of your policy, providing you don’t make any changes.

Terminal illness cover

Your policy could pay out a lump sum upon diagnosis of a terminal illness, rather than on death, if life expectancy is less than 12 months.

Find out more

98.3% of claims paid out

Churchill life insurance is provided by Legal & General, which paid 98.3% of claims in 2017.

Making a claim

Advance payment

It’s a payment of up to £5,000, to help offer early financial support while the full claim is assessed.

Find out more

Fixed premiums

Your monthly cost stays the same for the life of your policy, providing you don’t make any changes.

Terminal illness cover

Your policy could pay out a lump sum upon diagnosis of a terminal illness, rather than on death, if life expectancy is less than 12 months.

Find out more

Why do you need life insurance?

If the worst happens and you die, would your family be able to cover the ongoing costs of mortgage or rent payments, bills and day-to-day expenses?

By paying a monthly life insurance premium you'll be covered by a lump sum should you die during the term of the policy, giving your family some financial security.

Which life insurance is right for you?

Level term life insurance

Designed to pay your chosen amount of cover if you die during the policy. This remains the same for the duration of the policy (as do your premiums) 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.

Read more

Decreasing term life insurance

Designed to protect a repayment mortgage, so your amount of cover reduces roughly in line with the way your debt on a repayment mortgage decreases.

Your premium stays the same throughout the length of the policy unless you change it. Monthly costs are often lower than level term life insurance.

Find out more

Read more

Each product is available as:

Each product is available as:

A single policy covering only one person

A tax-free lump sum is paid when the policyholder dies during the term.

A joint policy covering two people in a relationship

Only one lump sum is paid to the surviving partner when the other dies during the term. The policy will then cease. Should both the insured die at the same time, there would still only be one lump sum paid.

Get a quote

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.


Add critical illness cover

For an extra cost when you take out a life insurance policy, critical illness cover could pay out your chosen amount of cover on diagnosis of a specified condition, such as certain cancers, heart attacks and strokes during the policy term.

Important information

  • Making changes to your policy

    Making changes to your policy at any time

    You can make certain changes to your life insurance at any time, such as the term, the amount of cover, switching from joint to single policies or even changing your premium payments from monthly to annually. You may be required to complete a full application in order to make the changes.

    Contact us to make a change

    Guaranteed insurability option

    As your life changes, so may your life insurance needs. This option allows you to increase your cover when specific events occur, without supplying us with further medical evidence. These life events include becoming a parent, getting married or entering a civil partnership, a new job or promotion, and increasing your mortgage.

    There’s a limit on the amount by which you can increase your cover. Full details of which can be found in our Policy Booklet.

  • Things you need to know
    • For level term life insurance, your policy may not completely pay off your outstanding mortgage unless you ensure that your amount of cover 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.

    • On the cancellation of your life insurance no refund of payments will be given, unless cancelling within 30 days of taking out the policy.

    • 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 cover.

Frequently asked questions

  • What is 'Critical Illness Cover'

    Critical Illness Cover is designed to help cover critical illnesses which would have a severe impact on your lifestyle. We provide cover for conditions such as some forms of cancer, heart attack and stroke. The policy covers more than the guidelines published by the Association of British Insurers. It is important to refer to the Guide to Critical Illness Cover.

  • Who receives the payout under this policy?

    This will depend on how the policy is set-up, but you can control this.

    In the event of your death, the payment will go to:

    • Your spouse/partner if you have a joint policy with them
    • Your estate, unless the policy is in trust or is owned by someone else
    • A trust, if you have put your policy in trust

    In the event of a terminal illness or critical illness claim we'll usually pay the money to the person covered. However, this will not apply if the person covered does not own the policy, or if they have given the benefit away as part of a trust.

  • What is the Early Days Advance Payment?

    As an added benefit, whilst the claim is assessed, we'll pay up to £5,000 as an advance payment. Find out more

  • How long should my life insurance cover be for?

    You can choose your policy term, subject to the terms and conditions in the Policy Booklet. You may wish to consider for example, 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.

  • How do you calculate my life insurance premiums?

    Your life insurance premiums are based mainly on your age, your job, whether you smoke, medical history, as well as the level and amount of cover you need. Generally the older you are, the higher your premium will be. Terms and Conditions apply, please read the Policy Summary PDF.

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