*Limited to two per household when your policy has been in force for 3 months.
Tell me more about this offer

We’re proud of our Defaqto 5 Star Rating for Life Insurance with Critical Illness Cover

What is life insurance?

Our life insurance, provided by Legal & General, is simply an affordable way to help look after your loved ones financially if you die during the policy term.

By paying out a lump sum, your policy can help them deal with everyday money concerns such as household bills, childcare costs and mortgage payments.

What is life insurance?
And how can having it protect my family when I’m gone?

Why choose Direct Line?

Early Days Advance Payment


We’ll provide a cash sum payment while the full claim is being assessed.

Existing customer discount


If you’re already a Direct Line customer, you’ll qualify for a 7% discount (subject to a minimum premium).

98% of claims paid out


Based on 2015 data from Legal & General, our life insurance provider.

Frequently Asked Questions

Are there any other options if I’m over 50?

Over 50s life insurance

How much life insurance do I need?

What if I’m diagnosed with a critical illness?

Critical illness cover

Level Term vs Decreasing

We offer two types of policy covering you if you die during the policy term, with an option to include additional cover for an extra cost in case you’re diagnosed with one of the specified critical illnesses.

Level term life insurance

You choose the amount to be paid out, which remains fixed throughout the length of your policy unless you change it. Although it can help cover an interest-only mortgage, your family can use the lump sum however they wish.

Decreasing term life insurance

This policy is designed to cover a repayment mortgage, so your cover reduces roughly in line with the way a repayment mortgage decreases. Although it’s designed to help repay a capital and interest mortgage, your family can use the decreasing sum however they wish.

Do you need Critical Illness Cover?

Quick comparison of Life Insurance and Life & Critical Illness Covers

Life Insurance

Life & Critical Illness Cover

Level term Decreasing term Level term Decreasing term
Pays out in the event of death or terminal illness Included Included Included Included
Pays out in the event of a critical illness Not Included Not Included Included Included
Maximum age for buying a policy 77 years 74 years 67 years 64 years
Quick comparison of Life Insurance and Life & Critical Illness Covers
Life Insurance
Life & Critical Illness Cover
Level term Decreasing term Level term Decreasing term
Pays out in the event of death or terminal illness
Included Included Included Included
Pays out in the event of a critical illness
Not Included Not Included Included Included
Maximum age for buying a policy
77 years 74 years 67 years 64 years

How It Works

Get a life insurance quote in under 3 minutes:

  1. Select the type of life insurance you want: Level Term or Decreasing Term.
  2. Choose the amount you want to be covered for. Our online cover calculator can help you decide.
  3. Decide whether you want to add Critical Illness Cover for an extra cost.
  4. Choose the length of your cover. This can be up to 50 years, as long as it finishes by the time you’re 90 (70 if you choose critical illness cover).
  5. Decide if the policy is just for you, or for both you and your partner.

What you need to know

Our premiums stay fixed unless you make changes to your policy.

If you cancel your policy or stop paying premiums, your cover will end 30 days after your missed payment and you’ll receive no money back. There are no cancellation charges or other fees for life insurance.

This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation may reduce the value of your cover.

More information

Where can I find more details?

What are the key features?

How will my family be supported during a claim?

Helpful articles

Life Insurance gift card and gift terms & conditions

Eligible for a gift three months after the policy start date, provided you haven’t cancelled your policy. No cash alternative provided. Allow 30 days for delivery. One Kindle or gift card per policy sold, limited to two per household. Promoter: Legal & General, Knox Court, 10 Fitzalan Place, Cardiff CF24 0TL.

Find out more information about claiming your choice of gifts for a level term or decreasing term life insurance.

*Amazon.co.uk is not a sponsor of this promotion. For complete gift card terms and conditions, see www.amazon.co.uk/gc-legal. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.

Kindle eReader terms & conditions

Kindle eReader offer will be provided as a £75 Amazon.co.uk Gift Card together with a promotional code which gives you £10 off a Kindle eReader + you can choose a free Kindle eBook from a selection of titles. After purchasing the Kindle eReader the remaining £25 Amazon.co.uk Gift Card balance can be spent on any of the millions of items on Amazon.co.uk

What you need to know

If you cancel your policy and stop paying your premium, your cover will end and you’ll receive no money back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation may reduce the value of your cover.