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Life Insurance

Cover that’s easy to set up from just £6 a month. With Life Insurance you choose how much cover you want and the length of your policy. This is a no-fuss life cover that will pay out a cash sum to the ones you care most about if you die during the policy term.

Learn more Get a quote Or call: 0800 145 5522

Over 50s Life Insurance

It provides a cash sum to the ones you care about if you die after one year from buying your policy. The money could pay bills, contribute towards funeral expenses or be a gift to your grandchildren. Guaranteed acceptance with no medical questions.

Learn more Or call: 0800 1076606

Our range of life insurance products

Level Term
Assurance

Mortgage Decreasing
Term Assurance

Over 50s
Life Insurance

Quick quote

Calculate how much cover you need Find out more
Remember, we could save you money on home insurance too
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Direct Line Together
Get 10% off other products you buy
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Introductory offer. Excludes Single Trip Travel, Discoverer Travel, Over 50s Life Insurance and SELECT Premier. This offer includes Breakdown when it’s bought over the phone. But if Breakdown was the first cover you took out the offer won’t apply if you take out car or van insurance. Minimum premiums apply. If the minimum premium is reached, the level of cover will be increased. Discounts applied consecutively.

Our 5 most frequently asked
life insurance questions

How much life insurance cover should I get?

You choose how much life insurance to buy. You might want your policy to pay out the value of your mortgage, or a specific lump sum for your dependants, or provide enough to cover both. To help you get an idea of how much cover you might need, take a look at our cover calculator.

What if I need to make a change to my policy?

You can make changes to our policies, like:

  • Changing the term of your policy
  • Increasing or decreasing your cover amount
  • Changing between monthly and annual premiums
  • Removing someone from a joint policy when cover is no longer required for them
  • Splitting a joint life policy into two single life policies in the event of divorce, dissolution of a registered civil partnership, or taking out a mortgage in the name of one person on the policy.

Terms and conditions apply. For more information, please read the policy terms and conditions or get in touch with us.

Can I cancel my life insurance at any time?

Yes. Just contact us if you want to cancel. Once you cancel your Direct Debit payments, your cover will stop and you'll no longer be insured.

Can my mortgage be covered with life insurance?

This depends on the whether you take out Level or Mortgage Decreasing Term Assurance, the amount of cover you take, and the length of the policy you choose. Your choices need to be made after you consider your mortgage product, outstanding mortgage and mortgage term. If you have an interest-only mortgage, your outstanding mortgage loan stays the same until you repay it at the end of the mortgage term. Level Term Assurance could cover this type of mortgage. If you have a repayment mortgage, Mortgage Decreasing Term Assurance may be more appropriate. The amount of cover reduces broadly in line with the decrease in your outstanding mortgage loan.

If my policy includes life and Critical Illness Cover, does that mean it could pay out twice, once when I'm diagnosed with a critical illness and then again if I die?

No, your policy can only pay out once. This would happen on diagnosis of a specified critical illness or on death during the policy term. Your policy ends once a valid claim has been made and the cash sum paid out. There is an exception to this if your claim is for carcinoma in situ of the breast treated by surgery, low-grade prostate cancer requiring treatment, or a children's critical illness claim. The policy will continue as normal after a pay out in one of these circumstances.

Get
£60
M&S vouchers

The following terms and conditions will apply to the M&S offer:

  • You are eligible for the vouchers three months after your policy start date, provided you haven’t cancelled your policy. No cash alternative provided. Please allow 30 days for delivery.
  • Only one voucher per policy sold, limited to two per household.
  • Promoter: Legal & General, Knox Court, 10 Fitzalan Place, Cardiff CF24 0TL
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