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Life insurance from
just £6 a month

Call us free 0800 145 5522

Claim a gift card up to £180, depending on
monthly premium, with a new life insurance policy

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Only choose a premium you can afford and only apply for the cover you need.
Limited to two per household when your policy has been in force for six months.
Terms and conditions apply.

Defaqto 5 star rating for Life Insurance
with Critical Illness Cover

Defaqto is an independent researcher of financial products

Why choose Direct Line life insurance?

98.3% of claims
paid out

Based on Legal & General data, 98.3% of claims were paid in 2017.

Your life insurance premiums stay fixed

If you don't change your policy, the monthly cost stays the same, helping you to budget.

£5,000 advance payment

We'll provide a cash sum payment of up to £5,000 while the full claim is being assessed.

Second medical opinion at no extra cost

Up to £300 towards the cost of your consultation if you claim for terminal illness or critical illness.

Find out more

7% discount for existing customers

Available for the duration of the policy. Subject to a minimum premium of £6. If a customer pays £24 a month, this could be £444 saved over a 22-year term.

98.3% of claims paid out

Based on Legal & General data, 98.3% of claims were paid in 2017.

Your life insurance premiums stay fixed

If you don't change your policy, the monthly cost stays the same, helping you to budget.

£5,000 advance payment

We'll provide a cash sum payment of up to £5,000 while the full claim is being assessed.

Second medical opinion at no extra cost

Up to £300 towards the cost of your consultation if you claim for terminal illness or critical illness.

Find out more

7% discount for existing customers

Available for the duration of the policy. Subject to a minimum premium of £6. If a customer pays £24 a month, this could be £444 saved over a 22-year term.

What is life insurance?

Life insurance cover will help protect your loved ones financially should you die during the term of the policy. You can take out a single or joint policy with Direct Line, provided by Legal & General, with payments that are fixed for the full term if you don’t make any changes.

Your chosen beneficiary will receive a lump sum to help pay off things such as a mortgage, debts, bills and expenses.

Many people take out life cover at key moments in their lives, such as getting married, buying a house, having a baby or over 50s life cover when approaching retirement.

Choose your life cover in three easy steps

Step 1: Select the type of cover you need

We offer two types of life insurance, which are designed to pay out if you were to die during the
length of the policy, with an option to include Critical Illness Cover for an extra cost.

Level term life insurance

Choose the amount to be paid out – this stays the same throughout the length of the policy unless you change it, as do your premiums.

May be suitable for an interest-only mortgage as the cover amount remains the same, or where you want to choose a specific level of payment.

Learn more

Decreasing term life insurance

Designed to cover a repayment mortgage, so your cover amount reduces roughly in line with the way a repayment mortgage decreases.

Your premium stays the same throughout the length of the policy unless you change it.

Monthly costs are often lower than level term life insurance.

Learn more

For both level term and decreasing term

Your family can use the payment however they wish.

Terminal illness cover is automatically included (minimum policy term 2 years), and could pay out the full amount of cover when life expectancy is less than 12 months. No terminal illness claim can be made after the death of the person insured.

Can be changed to suit your needs (subject to terms and conditions).

In the event of a valid claim on death, the payment will go to your spouse/partner if you have a joint policy with them, or your estate, unless you’ve let us know that you want the payment to go to a trust.

No cancellation charges.

Step 2: Choose who you'd like the policy to cover - Single or Joint

If you’re married or in a long-term relationship, you may want to consider a joint policy. A joint policy can be taken out by a couple – whereby they’re both covered with life insurance. There will be one payment to make each month, which can often be cheaper than taking out two individual policies.

Single policy

A single policy covers only one person.

A tax-free lump sum is paid when the policyholder dies during the term.

Learn more

Joint policy

A joint policy covers two people in a relationship.

A tax-free lump sum is paid when the first policyholder dies during the term.

The surviving partner will no longer have a life insurance policy, but will have the option to take out a new single life policy.

If both partners die at the same time, there will only be one payment.

A joint policy can be cheaper than two singles.

Learn more

Step 3: Choose how long you want your cover to last

You need to tell us how long you want your cover to last.

Think about the age of any children who depend on you financially or the time left on unprotected loan payments.

If you're protecting your mortgage, consider the number of years left until your mortgage ends.

Use our calculator to see how much insurance cover you may need

Add critical illness cover to your life insurance quote

When you take out this cover, we will automatically include Children's Critical Illness Cover at no extra cost. The illnesses covered include heart attack, cancer and stroke. However, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms.

Terms and conditions apply

Download life insurance policy documents

Important information

  • If you cancel your policy or miss a payment, your cover will end after 30 days.
  • 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.
  • As premiums are calculated on risk, we consider your age, whether you smoke, health and lifestyle. Prices are fixed for the term of the policy, so unless you amend it you’ll pay the same price for the policy term.

Need more help?

Give us a call and we'll get it sorted for you.

0800 145 5522

Mon-Fri: 8am-8pm
Sat: 9am-5pm

Frequently asked questions

q1
Can my mortgage be covered with life insurance?

This depends on the whether you take out Level or Decreasing Term Life Insurance, 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 Life Insurance could cover this type of mortgage. If you have a repayment mortgage, Decreasing Term Life Insurance may be more appropriate. The amount of cover reduces broadly in line with the way a repayment mortgage decreases.

q2
How long should my life insurance cover be for?

You can choose your policy term, subject to the terms and conditions in the Policy Booklet. You may wish to consider for example, when you plan to retire, the length of any financial commitments like your mortgage, and the age of any dependents you may have. These are factors that may indicate how many years you'd like the policy to run.

q3
What if I need to make a change to my policy?

Our policies allow you to make changes, such as changing the term of your policy

  • Increasing or decreasing your cover amount
  • Changing between monthly or annual premiums
  • Removing a person from a joint policy where cover is no longer required for that person
  • 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, please read the Policy Booklet.

q4
What's the difference between life insurance and life assurance?

The answer is pretty simple – there isn’t a practical difference, and the words are often used interchangeably today.

Traditionally life assurance referred to a type of policy that lasted for the whole of a customer's life.

q5
Can I have several life insurance policies at the same time?

Yes you can, and they needn't all be with one provider. When you apply for a new life insurance policy, you may be asked whether you hold existing life insurance, as certain restrictions may apply.

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