It's only natural to worry about what would happen to your partner or your family if you weren't around any more. With life insurance, you pay an annual or monthly premium to help ensure your family get a cash lump sum to use how they please if you die during the term of the policy. 

Life insurance is just for members. You’re a member when you have a current account, mortgage or savings account with us.
Find out more about membership

Why choose us for life insurance

Early days advanced payment

A payment of up to £5,000 to help while the full claim is processed

Premiums from £6 per month

- depending on your personal circumstances

Choose cover to suit your needs

You choose how long the policy lasts for and how much your family could receive on your death during the term of the policy

Add Critical Illness Cover

Financial protection if you're diagnosed with one of our specified critical illnesses during the length of the policy (for an additional premium)

Quote and apply online

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

Waiver of premium

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 at an additional premium)

By clicking on the 'continue to quote' button you'll be transferred to the Legal & General website. Before you proceed with the application form please check that all documents can be printed and/or saved, and that you can clearly read all information on the device you are using.

M&S E-Giftcard

*Get a £70 M&S E-Gift Card

*Enjoy £70 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 £70 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.

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.