Protection for your family should the worst happen.
A Life Insurance policy pays out a lump sum to your loved ones if you die during the time you’re covered.
Provided by our trusted partners Legal & General.
Why choose Life Insurance through Nationwide?
5 Star rated cover
The Life Insurance we offer online is 5 Star rated from the experts at Defaqto. Meaning it’s among the most comprehensive cover you can buy.
No price rises
Unless you make a change, your payments will stay the same for the length of your policy.
An advance payment up to £5,000
The Early Days Advance Payment gives some financial relief while claims are being assessed.
Optional Critical Illness Cover
For an extra cost, receive a lump sum if you’re diagnosed with one of the conditions covered.
Samaritans-trained case handlers
So claims will always be treated sensitively and with compassion.
Choose the cover that’s best for you
You can choose between level cover or decreasing cover, and if you would like to add Critical Illness Cover.
A level or decreasing cover Life Insurance policy covers you up to your 90th birthday.
If you choose to add it, Critical Illness Cover will last up to your 75th birthday. This doesn’t stop your Life Insurance covering you until you’re 90.
Life Insurance is not a savings or investment product. It will only pay out if a valid claim is made.
The lump sum stays the same throughout the length of time you are insured for.
Level cover Life Insurance could be suitable if you want to cover yourself for a specific amount. If you die during the policy term, it could cover things like:
- An interest only mortgage — as the amount you owe won’t have gone down over time.
- Rent payments
- Everyday living costs and bills
- Outstanding debts
- Childcare or school fees
To apply for level cover
You need to be:
- Between 18 and 77 years old
The lump sum you’re insured for reduces over the length of your policy.
Decreasing cover Life Insurance could be suitable if you have a repayment mortgage. Your level of cover will go down over time, roughly in line with the amount you owe on your mortgage.
To apply for decreasing cover
You need to be:
- Between 18 and 74 years old
Add on Critical Illness CoverFind out more about Critical Illness Cover
When you take out a Life Insurance policy through us, you can also add on a separate Critical Illness Cover policy for an extra cost.
Covering a wide range of illnesses, it will pay out a fixed lump sum if you are diagnosed with one of the conditions covered. Allowing you to focus on your health.
Critical Illness Cover could help pay for:
- Your mortgage or rent
- Everyday bills and expenses
To add Critical Illness Cover
You need to be:
- Between 18 and 67 years old.
Before you apply online, please make sure you’re comfortable with the details of the policy and the services we’ll provide.
The terms, limits and exclusions that apply are explained in the Policy Summary document.
And you can read more about the Early Days Advance Payment, or the conditions covered by Critical Illness Cover.
Get a Life Insurance quote
If you know what cover you need, you can get a quote and apply for Life Insurance online.
But if you’d like some advice, you can book a free appointment to speak to an adviser at Legal & General.