What we offer

Our life insurance products are provided by Legal & General and designed to pay out a cash sum to help protect your family financially.

Level term assurance

  • Pays out a fixed cash sum to your loved ones if you die during the policy term.
  • The premium stays fixed throughout the policy, unless you change it.
  • Add Critical Illness Cover to your policy for an extra cost.
  • Get £60 of M&S vouchers when you take out life cover. Claim yours today. Please see terms and conditions below.

Mortgage decreasing term assurance

  • Pays out a cash sum to your loved ones if you die during the policy term.
  • Designed to cover a repayment mortgage.
  • Costs less than Level term assurance as the amount of cover reduces over time.
  • Get £60 of M&S vouchers when you take out life cover. Claim yours today. Please see terms and conditions below.

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.

Why choose Direct Line?

Early days advance payment

We’ll pay up to £5,000 in advance while your claim is being assessed.

Critical Illness Cover

Add this to your policy for an extra cost and get cover for a range of conditions that could disrupt your life and work.

Get 10% off life insurance if you have other products with Direct Line

The more products you have with us, the more you’ll be rewarded with Direct Line Together.

Need help?

What is life insurance?

What type of life cover do I need?

How much cover do I need?

Your Life Insurance

Manage your policy

Retrieve a saved quote

Sign in

Frequently asked questions

about life insurance

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.

Who receives the payout under this policy?

This will depend on how the policy is set up, but you can control this.

In the event of your death, the payment will go to:

  • Your spouse/partner if you have a joint policy with them
  • Your estate, unless the policy is in trust or is owned by someone else
  • A trust, if you’ve put your policy in trust

In the event of a terminal illness or critical illness claim we’ll usually pay the money to the person covered. However, this won’t apply if the person covered doesn’t own the policy, or if they’ve given the benefit away as part of a trust.

£60 of M&S vouchers terms & conditions

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.