What is 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. 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. 

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)

What you need to know

  • Make sure you're comfortable that the term, amount and benefits of the policy meet your needs. If you'd like advice before you make your decision, please contact your branch to arrange to see a Financial Planning Manager
  • You'll need to answer a number of questions regarding your health and medical history
  • You'll need your bank details to hand as you will need to complete a direct debit instruction
  • Check that you can save and/or print all the documents and that you can clearly read all the information on the device you're using
  • This is not a savings or investment product and has no cash value unless a valid claim is made
  • Please read the Policy Summary for details exclusions and limitations that apply
  • If you're using a mobile, you may need to switch to a device with a larger screen to complete the application process.

Applying is easy

Just follow these simple steps and your cover could start today...

  • Read the important documents relating to this cover
  • Choose whether you also want to take out Critical Illness Cover and/or Waiver of Premium at an additional cost
  • Get a quote and start your application by selecting the 'Quote & apply' button below

In order to provide you with a Life Insurance quote and application we will transfer you to the L&G online form when you click on 'Quote and apply' below. There, you will be asked to select a product type. You may also be presented the option to include Critical Illness Cover.

Get a quote online in less than 5 minutes

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.