Life insurance
A life insurance policy means a payment for your loved ones if you die during the time you're covered.
Get a £75 gift card for M&S or Amazon
When you take out Nationwide life insurance online.
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.
Choose the cover that’s best for you
You can tailor your policy to your family’s needs and budget. Choose between family life insurance and mortgage life insurance, as well as if you would like to add critical illness cover.
You also decide how long you want your cover to last. Both types of life insurance policy can cover you before your 90th birthday. And critical illness cover can cover you before your 75th birthday.
Information:
Life insurance is not a savings or investment product. It will only pay out if a valid claim is made.
Family life insurance
Family life insurance can also be known as ‘level cover.’ It could be suitable if you want to cover yourself for a certain amount of money.
You decide how much you want to be covered for. This amount stays the same throughout the length of time you are insured for. And the payment could cover things like:
- an interest only mortgage
- everyday living costs and bills
- outstanding debts.
Mortgage life insurance
Also known as ‘decreasing cover’, mortgage life insurance could be suitable if you have a repayment mortgage. And think your family may struggle with the payments without you.
The level of cover will go down over time, roughly in line with the amount you owe on your mortgage. So, if you die during the policy term, the payment will pay off the balance.
While the level of cover will decrease over time, your monthly payments will not change.
The cost of life insurance
Several factors impact the cost of your policy. Including:
- the amount of money you want your family to receive
- length of policy
- choice of cover
if you choose to add critical illness cover.
The younger you are when start your policy, the cheaper it will be. Certain health issues and lifestyle choices will also make a difference to the amount you pay.
For example, a smoker may have to pay more a month than a non-smoker.
With life insurance through Nationwide you get:
Five Star rated cover
The life insurance we offer 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.
Samaritans-trained case handlers
Claims will always be treated sensitively and with compassion.
Personalised support for you and your family
You can phone 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.
For more help understanding life insurance, and the services available, read our guide.
Information:
Terms, limits and exclusions that apply are explained in the Policy Summary document.

Get a quote and apply online
If you know the cover you need, you can start the application process now. Getting a 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 Legal & General.
By continuing to get a quote, you're confirming you meet the age requirements to apply for life insurance.
FAQs
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