Life insurance

Life insurance 

It's only natural to worry about what would happen to your partner or your family if you weren't around any more. But with life insurance you can take steps to make things easier for them if the worst ever did happen.

With life insurance, you pay an annual or monthly premium - from just £6 per month - to help ensure your family get a cash lump sum to use how they please if you die during the term of the policy. The cash lump sum remains at the same level throughout the policy unless you choose to change it.

This is not a savings or investment product and has no cash value unless a valid claim is made. Please refer to the Policy Summary for details, exclusions and limitations that apply.

Guide to life insurance

Find out about the different types of life insurance before you make a decision.

More about our life insurance cover ...

Add Critical Illness Cover

You'll be helping to financially protect your family if you were diagnosed with one of our specified critical illnesses during the term of the policy (available for additional premium).

Early Days Advance Payment

A payment of up to £5,000, to help bring some early financial relief while the full claim is processed.

Waiver of premium

Cover yourself if you can't work. This benefit pays your premium after 26 weeks if you become too ill or incapacitated due to sickness or injury to carry out your normal occupation (available for an additional premium).

Flexible options to suit your needs

You choose how long the cover lasts for, and how much your family could receive on your death during the term of the policy and you can change your cover in the future (this may affect the premiums you pay and may be subject to medical underwriting).

Premiums from £6

Premiums start from just £6 a month - depending on your personal circumstances.

Quote and apply online

You can take out cover right now using our simple online application form (subject to acceptance).

M&S E-Giftcard

*Get a £75 M&S E-Gift Card

*Enjoy £75 to spend at M&S, on us. The offer is limited to one e-gift card per person and two per household. Once you have paid three consecutive monthly premiums by Direct Debit from the policy’s start date or after three months if you have paid annually, Nationwide will arrange for a third party to send you a £75 M&S e-gift card (which may take 30 working days to arrive from that date). Details of how to redeem your e-gift card will be sent to your email address. Where we have no valid email address, details on how to redeem your e-gift card will be sent to the postal address registered on your policy. In the event that you've no access to the internet, a physical M&S gift card will be sent to the postal address registered on your policy upon request. We will only share your contact details (which include your address) with the third party so that they can send you the e-gift card; your details won't be used for any other purpose.

We reserve the right to vary and/or withdraw this offer without notice.

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Mortgage life insurance

With mortgage life insurance you'd know that the cover could help pay off the mortgage if you died during the term of the policy.

Income Protection Benefit

If you can't work due to incapacity caused by injury or an illness, income Protection Benefit may be able to cover your monthly living costs.

M&S is not a sponsor of this promotion. May be used to purchase goods of a higher price than the amount on the card, on payment of the difference. Cannot be exchanged for cash or used to pay for M&S Bank services, products or outstanding card balances, made to measure shirts, personalised cards or M&S energy or to buy another gift card or e-gift card. Can be used in all M&S stores in the UK and Channel Islands, including outlet, railway, motorway and airport stores but not in BP Connect stores. Are valid for 24 months from the last transaction (transactions include balance enquiries). Any remaining balance will be cancelled on expiry of the validity period. Cannot be returned or refunded, except in accordance with your legal rights, for example in the event they are not satisfactory quality. Should be treated as cash, M&S will not accept liability if lost, stolen or damaged.

Critical Illness Cover

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