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Life Insurance

  • Premiums start from £6 a month.
    Claim a gift card up to £120, depending on monthly premium, with a new policy.

    Get a quote
    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. Terms and conditions apply.

Reasons to rely on Churchill. Call us on 0800 145 5541

  • A reliable name – Churchill Life Insurance is provided and administered by Legal & General.
  • Being there for you and your loved ones – choose the amount of cover you need and how long you want the policy to last.
  • You can count on us – pays out a cash sum if you die during the policy term. As an added benefit, whilst the claim is assessed, we’ll pay up to £5,000 as an advance payment. Find out more
  • Great customer support – our team will help you get everything sorted. Most of you won’t need a medical to take out a policy.
  • Making sure you’re happy – premiums begin at £6 a month, and you can make changes to your policy to suit your needs.
  • Safe and sound – plan ahead for life’s setbacks and choose who will receive the benefit if you die during the policy term.

Choose from two different types of cover

And with both of these, whilst the claim is assessed, we’ll pay up to £5,000 as an advance payment.

  • Level term life insurance

    With Level term life insurance, cover remains the same throughout the policy term.

  • Decreasing term life insurance

    Helps to repay a capital & interest (repayment) mortgage. Cover reduces roughly in line with the way a repayment mortgage decreases.

  • Critical Illness Cover

    Add Critical Illness Cover when you take out a life insurance policy for an extra cost and cover specified conditions.

  • Making a claim

    You can choose who will receive the benefit if you were to die during the policy term.

Get a quote

Things you need to know

  • If you cancel your plan and stop paying your premium, your cover will end and you’ll receive no money back.
  • Life insurance isn’t a savings or investment product, and therefore has no cash value unless a successful claim is made. Inflation may reduce the buying power of your cover.
  • Determining if a policy meets your needs is your responsibility.
Please read the Policy Summary PDF for more information (viewable in pdf, file size 522 KB)

Life Insurance e‐Gift Card terms & conditions

  1. The e-Gift is only available to customers who take out a Churchill Term Life Insurance policy from 20th July 2018. Churchill Life Insurance is provided by Legal & General.
  2. A letter or email will be sent to you with details of how to redeem your e-Gift, please allow 30 days from your policy start date for delivery of this communication.
  3. You’re eligible for an e-Gift four months after your policy start date provided you’ve made your e-Gift choice and haven’t cancelled your policy. At this point please allow 30 days for the delivery of the e-gift card.
  4. The value of the e-Gift will depend on the monthly premium of the policy purchased:
Monthly Premium e-Gift value
£6.00 - £10.00 £25
£10.01 - £20.00 £40
£20.01 - £30.00 £80
£30.01 + £120
  1. Customers paying monthly premiums will not be eligible for the e-Gift if a monthly payment is missed during this time.
  2. If you have previously cancelled an insurance policy provided by Legal & General, you will not qualify for this offer.
  3. The incentive provider could be changed but the monetary value of the offer will not change.
  4. No cash alternative will be offered. Cashback customers are excluded from any other Churchill Life Insurance promotion.
  5. Only the named policyholder is entitled to choose an e-Gift. One e-Gift per policy sold, limited to two per household.
  6. Legal & General may cancel any policies or any e-Gift cards should they discover or have a reasonable suspicion that the terms of the offer are being abused.
  7. Promoter: Legal & General, Knox Court, 10 Fitzalan Place, Cardiff CF24 OTL. is not a sponsor of this promotion. For complete gift card terms and conditions see All Amazon ®, ™ & © are IP of, Inc or its affiliates.

Find out more information about claiming your choice of e‐Gift card for life insurance.

Our pick of helpful life insurance questions

  • What if I need to make a change to my policy?

    Our policies allow you to make changes, such as:

    • Changing the term of your policy
    • Increasing or decreasing your cover amount
    • Changing between monthly or annual premiums
    • Removing a person from a joint policy where cover is no longer required for that person
    • Splitting a joint life policy into two single life policies in the event of divorce, dissolution of a registered civil partnership, or taking out a mortgage in the name of one person on the policy

    Terms and conditions apply, please read the policy booklet for more information or contact us.

  • 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.

  • How much life insurance cover should I get?

    You choose how much life insurance you buy. You might want your policy to pay out the value of your mortgage, or a specific lump sum for your dependents, or provide enough to cover both. To help you get an idea of how much cover you might need, take a look at our cover calculator.

  • Can I increase my life cover at a later date?

    If you want to increase the amount of life cover you have then you might be able to use the ‘Guaranteed Insurability Option’. This is subject to certain conditions, which you can read about in the policy booklet. Otherwise, you can apply for an increase to your existing policy or apply for a new policy for the extra amount of life cover you need. These will be subject to our underwriting criteria.

  • What happens if one life insured dies on a joint policy?

    If you jointly hold a policy, as joint lives insured, and one of the lives insured dies, we would pay out the amount of cover and the policy would end. This cash sum goes to the surviving policyholder.

See more questions