* E-Gift card offer end date 20th July 2018. 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

Why choose Direct Line?

7% discount for existing customers however long you keep the policy


Subject to a minimum premium of £6. Typically, if a customer is paying £24 a month, this could be a saving of £444 over a 22-year term.

Early Days Advance Payment


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

98.3% of claims paid out


Based on 2017 data from Legal & General, our life insurance provider.

What is life insurance?

Life insurance is simply an affordable way to help you 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. Our life insurance is provided by Legal & General.

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

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.

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

Do you need Critical Illness Cover?

Adding critical illness cover for an extra cost when you take out a life insurance policy can help cover you for a range of critical illnesses. Life cover can only pay out if you die during the policy term, but critical illness cover could pay out if you’re diagnosed during the policy term with illnesses such as stroke, heart attack and certain types of cancer. Children’s Critical Illness Cover is also included. Terms and conditions apply.

We only cover the critical illnesses shown in our Guide to Critical Illness Cover and no others.

Adding critical illness cover may be less expensive than you think. In 2017 customers who bought our life insurance with critical illness cover paid an average of £27 per month and the average cover was £61,000. As you’d expect, with Direct Line you can choose how much critical illness cover you need to suit your budget.

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 e‐Gift Card terms & conditions

E-Gift card offer end date 20th July 2018. Eligible for an e‐Gift Card three months after the policy start date, provided you haven’t cancelled your policy. No cash alternative provided. Cashback customers are excluded from any other Direct Line Life Insurance promotion.

You’ll receive an email or letter confirming how to redeem your gift. Please allow 30 days for delivery of this communication. One e‐Gift Card per policy sold, limited to two per household.

Promoter: Legal & General, Knox Court, 10 Fitzalan Place, Cardiff CF24 0TL.

For more information about claiming your choice of e‐Gifts for 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.