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Life insurance

from £4 a month

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Dependent on age, lifestyle and cover chosen

Call us free 0800 077 8314

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Get a gift card between £35 and £180, depending
on monthly cost, with a new life policy

Get a quote

Only choose a premium you can afford and only apply for the cover you need. The gift card will be sent once your policy has been in force for six months. Tell me more about this offer.

99% of claims
paid out

Churchill Life Insurance is provided by AIG, which paid 99% of claims in 2018.

Making a claim

Advance payment

This is a payment of up to £10,000. It brings some early financial relief when a claim has been agreed but you're waiting on final payment.

Get a second medical opinion

Best Doctors will conduct an in-depth review of your diagnosis and medical case. It will then provide expert advice and recommendations for medical treatment.

This can be withdrawn at any time.

Fixed monthly payments

If you don't make any changes to your policy, your monthly cost will stay the same.

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This can be withdrawn at any time.

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.

99% of claims paid out

Churchill Life Insurance is provided by AIG, which paid 99% of claims in 2018.

Making a claim

£10,000 advance payment

This is a payment of up to £10,000. It brings some early financial relief when a claim has been agreed but you’re waiting on final payment.

Get a second medical opinion

Best Doctors will conduct an in-depth review of your diagnosis and medical case. It will then provide expert advice and recommendations for medical treatment.

This can be withdrawn at any time.

Fixed monthly payments

If you don't make any changes to your policy, your monthly cost will stay the same.

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This can be withdrawn at any time.

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.

Churchill looking at a Butterfly on his nose

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.

Find out more about trusts

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Which life insurance is right for you?

Level term

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.

Read more
Decreasing term

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%.

Read more

For both products you can apply for life insurance up to the age of 75.

Each product is available as:

Get a quote

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.

Read more

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Calculate life insurance

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 insurance


Critical 3, 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.


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.

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Important information

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  • 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.
    • 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.

    • 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.
    Read more
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FAQs, articles and guides

  • Can I have several life insurance policies at the same time?

    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.

  • Who receives the life insurance payout under this policy?

    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.

  • How much life insurance should I get?

    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.

  • How long should my life insurance be for?

    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.

  • What is critical illness cover?

    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.