Level term life insurance

Churchill Life Insurance is provided by Legal & General.

How would your loved ones cope if you were no longer around? Would they be able to maintain the same quality of life? How would they meet everyday expenses like paying the bills or childcare costs?

Level term life insurance is a simple way to help protect them financially: the policy pays out a cash sum if you die during the period of cover.

How does Level term life insurance work?

  • You choose the cash sum you want the policy to pay out, and the length of time you want the policy to run for, known as the term.
  • The cash sum will stay the same whilst the policy is running, so may be suitable for an “interest only” type mortgage.
  • Your premiums will also stay the same, unless you make any changes to your policy.
  • As an added benefit, whilst the claim is assessed, we’ll pay up to £5,000 as an advance payment. Find out more

Benefits of Level term life insurance

  • Terminal Illness Cover is included at no extra cost and could pay out the full amount of cover when life expectancy is less than 12 months. No terminal illness claim can be made after the death of the person insured.
  • You can make changes to your policy, like changing the term, the amount of cover, switching from joint to single policies or even changing your premium payments from monthly to annually. Contact us if you wish to make changes to your policy.
  • Premiums from £6 a month.
  • Please read the Policy Booklet before applying
  • If you claim for terminal illness, or a critical illness (if you have this cover), you could obtain a second medical opinion at no extra cost to your premium. It’s a chance to have a consultation about your condition with a Consultant Specialist. It can help provide further details, advice into treatment and whether there are alternative treatments. A medical report will also be sent to you and your GP.

    This service is provided by Healix Health Services Ltd on behalf of Legal & General. Legal & General will pay up to £300 towards the cost of your consultation.

Optional extras

  • Add Critical Illness Cover to your policy for an additional cost when you take out life insurance, giving you extra protection against specified conditions that could affect your life and work.

How much cover?

  • If you aren’t sure which type of cover to choose, take a look at our handy comparison table.
  • Our life insurance cover calculator can help you think about how much cover you need.


  • This is not a savings or investment product and has no cash value unless a valid claim is made.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed payment.
  • If you intentionally take your own life in the first 12 months of your cover, your policy will be cancelled and will not pay out. However all premiums paid will be refunded.
  • Please read the Policy Booklet before applying
Get a quote