Menu

Life insurance from
£5 a month

Call us free 0800 077 8297
Dependent on age, lifestyle and cover chosen.

Get a gift card worth up to £180, depending on
your monthly premium, with a new life policy

Amazon gift card Amazon gift card Amazon gift card
M&S gift card M&S gift card M&S gift card
Love2Shop gift card Love2Shop gift card Love2Shop gift card
Tell me more about this offer
Only choose a premium you can afford and only apply for the cover you need.
The gift card will be sent once your policy has been in force for six months.

Defaqto 5 star rating for Life Insurance

Defaqto is an independent researcher of financial products

Why choose life insurance from Direct Line?

99% of life insurance claims paid out

Based on AIG data, 99% of life insurance claims were paid out in 2018.

Your life insurance monthly
cost stays fixed

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

£10,000 advance payment

This is a payment of up to £10,000. It brings some early financial relief when a claim has been agreed but you’re waiting on final payment.

Second medical opinion at no extra cost

Best Doctors will conduct an in-depth review of your diagnosis and medical case. It will then provide expert advice and recommendations for medical treatment.

This can be withdrawn at any time

Find out more

7% discount for existing Direct Line customers

Available for the duration of the policy. Subject to a minimum monthly cost of £5.

99% of life insurance claims paid out

Based on AIG data, 99% of life insurance claims were paid out in 2018.

Your life insurance monthly cost stays fixed

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

£10,000 advance
payment

This is a payment of up to £10,000. It brings some early financial relief when a claim has been agreed but you’re waiting on final payment.

7% discount for existing Direct Line customers

Available for the duration of the policy.
Subject to a minimum monthly cost of £5.

Second medical opinion at no extra cost

Best Doctors will conduct an in-depth review of your diagnosis and medical case. It will then provide expert advice and recommendations for medical treatment.

This can be withdrawn at any time

Find out more

What is life insurance?

Life insurance will help protect your loved ones financially should you die during the length of the policy. You can take out a single or joint policy with Direct Line, provided by AIG, with fixed payments if you don’t make any changes.

Your beneficiary will receive a lump sum to help pay off things such as a mortgage, debts, bills and expenses. You can apply for life insurance up to the age of 75.

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

How is our Over 50s Insurance different to our Life Insurance?

With Over 50s Life Insurance, you’ll be insured for the rest of your life without having to go through any medical assessments. You’re guaranteed to be accepted and the insurance payout can go towards things such as funeral costs.

Read more

How to take out a life insurance policy

Step 1: What type of life insurance do you need?

Our two types of life insurance are designed to payout if you were to die during the length of the policy. There’s also an option to include cover for cancer, heart attack and stroke for an extra cost.

Level term life insurance

With level insurance, you choose the amount you want paid out. This stays the same throughout the length of your policy, as do your monthly payments, unless you decide to make changes.

This may be suitable if you want to choose a specific amount of life insurance or if you have an interest only mortgage, as the cover amount remains the same.

Learn more

Decreasing term life insurance

This is designed to cover a repayment mortgage. Your amount of cover will reduce each month, to reach zero when your insurance ends. This works in the same way as the outstanding amount on a repayment mortgage with an annual interest rate of 8%.

Unless you change your policy, your monthly payments stay the same throughout the length of the policy.

Learn more

Medal icon

Mortgage guarantee for
decreasing policies

With our mortgage guarantee, we’ll make sure your mortgage is paid off in full if a valid claim pays out less than the outstanding mortgage debt.

Terms and conditions apply, please refer to the Life Insurance Key Facts

For both level and decreasing term

Terminal illness insurance is automatically included, and could payout the full amount of insurance when life expectancy is less than 12 months.

The policy can be changed to suit your needs. Subject to terms & conditions.

In the event of a valid claim on death, the payment will go to your estate, or your spouse/partner if you have a joint policy with them.

You can also place the insurance into a trust. This ensures any payouts are in accordance with your wishes.
What is a trust?

We also work with Winston’s Wish, the charity for bereaved children. If you were to die or be diagnosed with a terminal illness, we’ll help your family get the support they need.

No cancellation charges.

Step 2: Choose whether you’d like a single or joint policy

If you’re married or in a long-term relationship, you may want to consider a joint policy. This can be taken out by a couple, and both people will be covered. There will be one payment to make each month.

Single policy

A single policy only covers one person.

A tax-free lump sum is paid out when the policyholder dies or is diagnosed with a terminal illness during the policy.

Learn more

Joint policy

A joint policy covers two people in a relationship.

A tax-free lump sum is paid to the surviving partner when the other dies, or is diagnosed with a terminal illness, during the policy.

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.

Learn more

Step 3: How long should you be covered for?

You need to tell us how long you want your insurance 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 covering your mortgage, consider the number of years left until your mortgage ends.

Calculate how much life insurance you may need

Additional insurance for cancer, heart attack and stroke

You can add Critical 3 to your Life insurance policy, which gives you an extra level of cover for cancer, heart attack and stroke, for an added cost. If you're diagnosed with cancer, have a heart attack or suffer from a stroke during your policy, you'll be paid out a sum of money as long as you survive for 14 days after diagnosis. If you choose to add Critical 3 as an optional extra to your Life Insurance policy, you must purchase both at the same time.

Download life insurance policy documents

Remember, if you already have life insurance with us, the wording of your policy may
differ from the one you’ll find here.


Important information

  • If you cancel your policy or miss a payment, your cover will end after 30 days.
  • If you choose to add Critical 3 as an optional extra to your Life Insurance policy, you must purchase both at the same time.
  • 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, health and lifestyle, including whether you smoke.

Read more

Need more help?

If you'd rather talk to us, just give us a call.

0800 077 8297

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

Frequently asked questions

q1
What is critical illness cover?

Critical illness cover is designed to pay out if you’re diagnosed with a specific illness which could have a severe impact on your life. Direct Line’s critical illness cover, provided by AIG is called Critical 3 and can be added for an extra cost when buying Life Insurance. Critical 3 gives you an extra level of cover for specific types of cancer, heart attack and stroke. Please refer to the policy documents for more information.

q2
Can I have several life insurance policies at the same time?

Yes, you can have more than one life insurance policy, and they don’t need to all be with the same provider. When you apply for a new life insurance policy, you may be asked whether you already have life insurance, as certain restrictions may apply.

q3
How much life insurance should I get?

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

q4
How long should my life insurance be for?

You can choose your policy length, subject to that set out in the Key Facts document. You may wish to consider 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.

q5
Who receives the life insurance payout under this policy?

This will depend on how you set up the policy. In the event of your death, the payment will normally go to:

  • Your spouse/partner if you have a joint policy with them.

  • Your estate, unless the policy is in a trust or is owned by someone else.

  • A trust, if that’s what you’ve specified. Trustees will distribute the money in accordance with your wishes.

In the event of a terminal illness or critical illness claim the money usually goes to the person covered.

Guides and articles