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About our insurance

For more than 150 years, we have been helping families plan for the unexpected with our range of insurance. 

We have a number of products, available to buy directly from us or through an adviser, giving you plenty of choice when it comes to finding insurance that suits you down to a tee.

From our humble beginnings in Moorgate to becoming the UK's largest mutual insurer, we have grown into one of the most trusted life insurance providers in the market. Last year alone, we paid out over £516 million in claims and 99.1% of all claims received were paid - proving that no matter which insurance product you choose, you can count on us when it matters most.

Why choose us?

We've been providing insurance to the UK for over a century, and during that time, Britain has changed a fair bit. Luckily, our approach to putting customers first hasn't, and there are many reasons why people still choose us for the cover they need: 

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Mutuality

We're not answerable to shareholders, meaning we can make our decisions in the best interests of you, our customers.

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Award-winning customer service

Our customer care team is available to help, through good times and tough times too.

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Value for money

Our plans are not only reliable, they’re affordable too.

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Custom coverage

With our tailored insurance plans available through an independent financial adviser, you can choose and combine different types of insurance to build coverage that protects you and your family.

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Practical and emotional support

Available with select plans, our Helping Hand service gives you access to a dedicated nurse who can help you and your family during difficult times.

Life insurance

We're good at looking after your loved ones - after all, we've been doing it for over 150 years. With our Life Insurance in place, you can leave your family money when you die.

Read more about Life insurance

Over 50s Life Cover

With our Over 50's Life insurance, you can leave your loved ones money when you pass away, as a gift or to help pay for your funeral.

Read more about Over 50s Life Cover

Illness and income protection

Designed to give you peace of mind - you'll get a payout or monthly income if you become critically ill or too sick to work (provided the illness meets our definition).

Read more about Illness and income protection

Business insurance

We can take a load off your shoulders, with insurance that will keep your business ticking over financially in the event that you or a key person passes away.

Read more about Business insurance

The strength of mutuality

We've been a mutual since 1908, and today are one of the last few remaining mutual insurers in the UK.

Our mutuality gives us a direct line to our members and customers, so we’re able to create and adapt products based on feedback to shape insurance plans that really work for our customers. What’s more, it means we can put more profit into making top-notch products, where other companies have to pop it into the pockets of shareholders.

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Introducing our tailored plans

Not everyone knows what cover they need or how much. That’s why we also offer tailored insurance plans to fit around you and your family. These plans give you flexibility to choose different types of cover for different amounts and lengths of time.

They offer cover for 60 illnesses, including the most common reasons to claim (cancer, heart attack, stroke, children’s critical illness and multiple sclerosis), so you’re in safe hands.

And they come with Helping Hand, a support service that gives you and your family (partner and children) access to a dedicated nurse to help you through difficult times.

Helping Hand is a package of support services, provided by third parties that aren’t regulated by the Financial Conduct Authority. These services aren’t part of our terms and conditions, so can be amended or withdrawn at any time.

If you think that our tailored plans could be right for you the next step is to speak to an independent financial adviser. If you don't have one please see the value of advice.

Find out more about the value of advice

Making a claim

If you need to make a claim, our friendly customer service team is available to deal with your enquiry as quickly as possible.

Customer service team