Life insurance to protect your family and home

Protect your family with term life insurance which pays a fixed amount of money if you die while covered. It could help them to pay the bills and maintain their lifestyle if they had to manage without you and your income.


Life insurance to leave a gift or help pay for a funeral

Leave a guaranteed lump sum of money when you die. Your cover lasts for the rest of your life, or as long as you want it.

You could leave the money as a gift, or to help meet costs like a funeral or inheritance tax.


Our life insurance at a glance

Type of life insurance Monthly cost Amount of cover available Eligibility Additional cover options Additional features Availability
Whole of life Variable Unlimited*
  • 18-90 years old
  • Waiver of Premium (Sickness)
Through a financial advisor

Life insurance through an adviser

  • Level term - Unlimited or up to £5m for increasing cover
  • Decreasing term -Unlimited
  • 18-89 years old
Through a financial advisor

Life insurance direct

From £7 a month Up to £750,000 depending on entry age
  • 18-70 years old
  • UK resident
  • Terminal illness cover

Direct from Royal London 

Diabetes life cover Variable Up to £1,000,000
  • 18-89 years old
  • Diagnosis of type 1 or 2 diabetes
  • None
Through a financial advisor

* Unlimited cover, or up to a maximum of £5 million when an increasing cover option is chosen.

Looking for something different?

Our Illness and Income Protection products are designed to help if you become become critically ill or too sick or injured to do your job, by giving you a payout or steady income.

Manage your life insurance policy

Make a claim

Whether you want to claim on your life insurance policy or if someone has passed away and you need to claim on their behalf, filling out forms may well be the last thing on your mind.

Find out online how you can make a claim. We'll make it as clear and easy to do as we can. We're here to help.

Update your personal details

If you've changed your name, moved house or need to change other personal details, you can use our online form to let us know.

Update your personal details

Contact us


If you are an existing customer and need to talk to us about your policy, you can get in touch with us online or by giving us a call.


Get in touch

Life insurance and financial advice

An independent financial adviser can help you get the right insurance cover to suit you, your family and your lifestyle. They can give advice on the whole market and make a recommendation based on your needs. And they can review your cover in the future as your circumstances change to make sure that you're protected now and in the future.

Life insurance explained

Your life insurance questions answered.

Life insurance is a type of insurance that pays money to your family if you die or become terminally ill while covered by the policy. Your family or dependants can use the money to help them manage their financial future. It could go towards:

  • providing financial security in the future
  • paying off a repayment mortgage
  • funeral costs
  • day to day living costs.

It's important to remember that a life insurance policy isn't a savings or investment product and has no cash-in value. It's only paid out if you die or are diagnosed with a terminal illness, depending on the terms of your cover.

For more details, take a look at our "What is life insurance?" guide.

When you buy a life insurance policy, you agree to pay a monthly amount (called a premium) and if you die or are diagnosed with a terminal illness, we pay a sum of money to your family.

How much the policy pays out and the monthly premiums you'll have to pay depend on your personal circumstances, and the type of policy and level of cover you choose.

Because everyone is different, with different budgets, circumstances and priorities, Royal London offers a range of life insurance policies to help you find cover that fits your needs. The main types of life cover we offer are:

  • Level term life insurance - Lets you choose how much cover you want and how long you want to be covered for and pays out that amount if you die if you are still covered by the policy. You're covered for the same amount through the policy and your monthly premium stays the same throughout.
  • Decreasing term life insurance - Designed to help repay a repayment mortgage and or another debt. The amount of cover goes down over the course of the policy as you repay your mortgage. Premiums tend to be lower than level term polices.
  • Whole of life insurance - Designed to cover you for your whole life and pay out when you die, no matter when that is. You can choose the amount of cover you get but because the policy can last as long as you wish to pay for it, whole of life policies tend to be more expensive than term policies.

Of course, these are just some of the types of life insurance available. If you'd like more detail, our guide to different types of life insurance policies has what you're looking for.

Whether you need life insurance depends on your personal circumstances, your lifestyle and your priorities. If you have a family or people financially dependent on you, life insurance is a way to offer them some financial security after you're gone.

A payout from a life insurance policy could go towards paying off a mortgage, covering monthly bills, childcare, education or any number of other financial commitments your family might face in the future.

How much cover you need depends entirely on what you want to protect, for how long and for how much. In general, the more cover you need and the longer you need that cover for, the more money you can expect to pay as a premium each month.