Life insurance
With Nationwide life insurance, you’re helping to protect the people who matter most. So they’re supported no matter what life brings.
Apply online and receive a £75 gift card for M&S or Amazon. Getting a quote takes as little as two minutes. Terms apply.
Why choose Nationwide?
Your family’s security matters. That’s why our life insurance cover is provided by L&G.
Premiums from £6 per month
Most online customers pay between £6 and £20 a month. See FAQs for more information on costFive star rated cover
The life insurance we offer is 5 Star rated from the experts at Defaqto.97% of claims paid out in 2024
Totalling £583million across 14,067 claims.No price increases
Unless you make a change to your policy, your payments will stay the same for the length of your policy.
Before you start your quote
Make sure you understand our eligibility criteria and have read our important documents.
To apply for life insurance
For family protection insurance, you need to be aged between:
- 18 and 77 years old
- 18 and 67 if you add critical illness cover.
For mortgage protection insurance, you need to be aged between:
- 18 and 74 years old
- 18 and 67 if you add critical illness cover.
Information:
Terms, limits and exclusions that apply are explained in the Policy Summary document (PDF, 228KB - opens in a new window).
Apply online and receive a £75 gift card for M&S or Amazon
If you know the cover you need, you can start the application process now. Getting a life insurance quote takes 2 minutes. And you could have cover in just 20 minutes.
But if you'd like some advice, you can book a free appointment to speak to an adviser at L&G.
By continuing to get a quote, you're confirming you meet the age requirements to apply for life insurance.
*Information about gift card terms:
You will receive your chosen gift card 6 months after your policy start date, provided your payments are up to date and you have not cancelled your policy. Terms apply.
Choose the best life insurance for your needs
Life can be unpredictable, but your cover doesn’t have to be. You can tailor your life insurance to fit your family, your priorities and your budget.
Mortgage life insurance
Mortgage life insurance, or ‘decreasing cover’ is designed to help pay off your repayment mortgage if you die during the time you have your policy.
You might choose mortgage life insurance if you want:
- To pay off the balance on the mortgage, so your family can stay in the home
- Less financial pressure for loved ones
- To make sure one of your biggest financial commitments is taken care of
Family life insurance
Family life insurance, or ‘level cover’ provides a fixed lump sum pay out to help with everyday costs, if you die during the policy term.
You might choose family life insurance if you want:
- To know the exact amount your family would receive
- Support with everyday costs, such as bills, rent, childcare or other regular expenses
- To clear outstanding debts, such as interest only mortgage, loans or store cards
Add on critical illness cover for extra peace of mind
Serious illness can turn life upside down. Adding critical illness cover gives you extra protection when you might need it most.
For an additional cost, you can choose a separate critical illness policy that covers a wide range of illnesses and injuries. If you are diagnosed with a condition that’s covered, it pays out a fixed amount. That money can help you take time out, reduce financial pressure, and focus on what truly matters: your recovery.
Did you know:
Avril took out life insurance a year before her heart attack.
A decision that meant her family had vital financial support when they needed it most.
A guide to life insurance for every life stage
Your circumstances can change over time. Our guide explains what life insurance covers and helps you consider whether you have enough protection in place for the people who matter most.
Apply for life insurance in just a few simple steps
Get your free, no‑obligation quote
Answer a few quick questions about yourself and the type of cover you need. In as little as 2 minutes you’ll see a personalised quote on screen, and we’ll also email it to you for your records.
Start your application
When you’re ready to apply, select ‘Continue’, and we’ll ask you a few more questions about your health and lifestyle. This step should take no longer than 20 minutes.
Underwriting and approval
Once you submit your application, it goes to L&G for underwriting. Some applications are approved straight away, others may need medical checks with your GP. We’ll keep you updated throughout, and once approved you will see a confirmed price and you can choose the start date.
Tip if you haven’t received the quote email:
Get cover you can rely on
We’ve partnered with L&G – one of the UK’s top life insurance providers. Getting a quote takes 2 minutes, and you could have cover in 20 minutes.
By continuing to get a life insurance quote, you're confirming you meet the age requirements to apply for life insurance.
Personal support that starts when your cover does:
Samaritans-trained case handlers
Claims will always be treated sensitively and with compassion.
Personalised support for you and your family
Call Wellbeing Support to get practical and emotional assistance from experienced registered nurses. Whether you need to claim or not.
Talk with care experts
Care Concierge offers confidential guidance should you, or your family need care. You can call to discuss the options available, and the cost of care in your area.
Existing customer support
Whether it’s guiding you through a claim or finding ways to make payments easier, we’ll do everything we can to support you.
Make a life insurance claim
Our life insurance policies are provided and managed by our trusted partner, L&G.
Manage your policy
Check your policy and make changes in 'My Account' on L&G online.