Family life insurance
Help protect your loved ones financial future with cover designed for families.
Find out how family life insurance works, what it can cover, and whether it’s the right choice for your family.
Nationwide life insurance policies are provided by our trusted partner, L&G.
Get a quote in as little as two minutes.
Apply online and receive a £75 gift card for M&S or Amazon, terms apply.
Make sure you understand our eligibility criteria and have read our important documents.
- For family protection you must be 18 to 77.
- For mortgage protection you must be 18 to 74.
- If you add critical illness cover, you must be 18 to 67
Terms, limits and exclusions that apply are explained in the Policy Summary document (PDF, 228KB - opens in a new window).
What is family life insurance?
Family life insurance is designed to help your loved ones manage financially if you pass away during the policy term. It pays out a cash lump sum that can be used for anything your family needs at the most difficult time — not just one specific cost.
This could include things like:
- everyday living expenses
- childcare or education costs
- rent or mortgage payments
- household bills
- debts or other financial commitments
It’s protection that helps your family continue their day‑to‑day life without added financial pressure.
Information:
For Liam, that realisation came after tests revealed he had multiple sclerosis. Having cover in place gave him and his wife reassurance that they would be financially protected if he was unable to work.
What does life insurance cover?
Here’s a quick look at what our policies include. See a full list of what is and isn't covered in our Policy Summary document (PDF, 228KB - opens in a new window) before you apply.
What’s covered
- Cash lump sum payment
- Guaranteed premiums
- Accidental death benefit
- Terminal illness cover
What’s not covered
- No cash value
- Suicide or intentional self-injury in the first year
- You’re only covered for the policy term
If you add on critical illness cover
Available as a separate policy for an additional cost.
- Accident Hospitalisation Benefit
- Children’s Critical Illness Cover
- Childcare Benefit
- Family Accommodation Benefit
- Child Funeral Benefit
Did you know...
Your life insurance premium remains the same for the life of the policy?
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.
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.
Mortgage life insurance
If you’re considering other types of cover, you can also explore our mortgage life insurance.
Make a life insurance claim
Our life insurance policies are provided and managed by our trusted partners, L&G.