Life Insurance Information

Life Cover

With Life Cover your dependants receive a lump sum payment if you die, or if you’re diagnosed with a terminal illness, during the term of your policy. You decide how much you want the payment to be – and how long you want your policy to run.

Mortgage Life Cover

Mortgage Life Cover is designed to pay off your mortgage if you die, or if you’re diagnosed with a terminal illness, during the term of your policy. It’s cheaper than Life Cover – your monthly premium depends on the size of your mortgage and how long you want your policy to run.

£50 M&S gift voucher

After you've made your fifth month's payment we will send you a £50 M&S gift voucher so that you can treat yourself to a little something. You'll also save 5% when you take out a policy online.

Fixed monthly premiums

It’s easy to budget for Life Cover or Mortgage Life Cover because the monthly premiums are fixed for the full term of your policy.

Comprehensive cover

M&S Life Insurance includes terminal illness and accidental death as standard. You also get free accidental death cover (for up to 60 days) to bridge the gap between applying for life insurance and the date your policy starts.

Tailor your policy

You can have a single M&S Life Insurance policy – or take out a joint policy with your partner. You decide on the level of cover, from £15,000 up to £1 million. You also choose the length of the policy term. Depending on your age, this can be from 2 to 50 years for Life Cover, or 5 to 35 years for Mortgage Life Cover.

Easy to apply

You can apply for M&S Life Insurance online or over the phone. If you have to answer any extra medical questions, you’ll discuss them with a Registered Nurse – making the process a lot quicker and easier.

Simple claims process

If your family has to make a claim, we’ll make it as easy as possible for them. They can request a claim form by phone or post – all the details are in your policy document.

Award winning cover

We were named Most Competitive Direct Term Assurance Provider by Moneyfacts in 2007 and 2008.

Cancel your policy anytime

You can cancel your M&S Life Insurance policy anytime you like. It has no cash-in value, but if you cancel within 30 days of the policy start date, we’ll refund any premiums you’ve paid in full.

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