Sainsbury’s Life Insurance – Affordable Cover You Can Trust
Flexible Plans
FCA Regulated Broker
Customisable Policies
A Policy for Everyone
Looking for life insurance that combines affordability with the backing of a trusted UK brand? Sainsbury’s Life Insurance offers peace of mind for you and your family with straightforward policies, flexible options, and exclusive rewards for Nectar members. Whether you’re safeguarding your mortgage, your family’s lifestyle, or planning for the unexpected, Sainsbury’s makes life cover easier than ever.
Why Choose Sainsbury’s Life Insurance?
Sainsbury’s Life Insurance, offered in partnership with Legal & General – one of the UK’s leading insurers – provides reliable and flexible coverage. With over 180 years of financial experience behind them, Legal & General ensures Sainsbury’s customers receive high-quality protection and customer service.
Here’s why thousands choose Sainsbury’s Life Insurance:
- Trust and Reliability – Backed by Legal & General, a trusted FTSE 100 insurer.
- Simple Application – Apply online or by phone, with quick decisions in many cases.
- Flexible Cover – Tailor your policy to fit your needs and budget.
- Nectar Member Rewards – Earn up to 10,000 Nectar points with qualifying policies.
- Optional Critical Illness Cover – Add extra protection for serious health conditions.
What Does Sainsbury’s Life Insurance Cover?
Sainsbury’s Life Insurance provides financial support to your loved ones if you pass away during the policy term. Your beneficiaries receive a lump sum payout, which can help cover:
- Mortgage repayments
- Household bills and daily expenses
- Funeral costs
- Children’s education
- Outstanding debts
The policy ensures your family doesn’t have to struggle financially during an already difficult time.
Types of Life Insurance Available
Sainsbury’s offers two main types of life insurance to suit different needs:
1. Level Term Life Insurance
This policy pays out a fixed lump sum if you pass away during the agreed policy term. It’s ideal for covering interest-only mortgages or leaving a set amount behind for your family.
Key Features:
- Fixed payout amount throughout the term
- Choose terms between 5 and 50 years
- Premiums remain the same throughout the policy
2. Decreasing Term Life Insurance
Designed for repayment mortgages, the payout reduces over time in line with your mortgage balance.
Key Features:
- Lower premiums compared to level term
- Ideal for those with reducing debts like mortgages
- Pays out if you die during the term
Optional Add-Ons
Sainsbury’s also allows you to enhance your policy with the following optional extras:
Critical Illness Cover
Get added protection in case you’re diagnosed with a serious illness such as cancer, heart attack, or stroke. This cover pays a lump sum if you’re diagnosed with one of the specified conditions during the policy term.
Note: Critical illness cover must be added at the start of your policy and cannot be added later.
Terminal Illness Cover
This is included at no extra cost. If you’re diagnosed with a terminal illness (with a life expectancy of less than 12 months), the policy pays out early, providing vital support when it’s needed most.
Sainsbury’s Life Insurance Benefits for Nectar Members
If you’re a Nectar cardholder, Sainsbury’s gives you even more reasons to get covered. Here’s what you could enjoy:
- Up to 10,000 Nectar Points when you take out a policy and make six monthly premium payments.
- Exclusive discounts and offers on selected policies.
Make sure to enter your Nectar card number when applying to qualify for these rewards.
Who Can Apply?
You can apply for Sainsbury’s Life Insurance if you meet the following criteria:
- Aged between 18 and 77 (or up to 67 if adding Critical Illness Cover)
- A UK resident
- Not currently serving in the Armed Forces
Cover is available for individuals or joint applicants (e.g. couples who want cover that pays out once for the first person who passes away).
How Much Does Sainsbury’s Life Insurance Cost?
Premiums start from as little as £5 per month, depending on your:
- Age
- Health
- Lifestyle (e.g., smoker vs. non-smoker)
- Cover amount
- Length of policy
Quotes are personalised, so it’s best to get an individual estimate based on your situation. You can get a free online quote in minutes.
Quick Comparison Table
Here’s a side-by-side view of the key features of Sainsbury’s Life Insurance:
|
Feature |
Level Term |
Decreasing Term |
Critical Illness Add-On |
|
Fixed Monthly Premium |
✅ |
✅ |
✅ |
|
Pays Fixed Lump Sum |
✅ |
❌ |
✅ (on diagnosis) |
|
Ideal for Mortgage |
✅ (interest-only) |
✅ (repayment) |
✅ (income replacement) |
|
Terminal Illness Cover Included |
✅ |
✅ |
✅ |
|
Age Eligibility |
18–77 |
18–77 |
18–67 |
|
Nectar Points |
✅ |
✅ |
✅ |
Real Customer Reviews
See what people are saying about their experience with Sainsbury’s Life Insurance:
★★★★★
“Great value and peace of mind. Application was easy, and I liked the added bonus of Nectar points!”
– Emily T., Manchester
★★★★☆
“Simple process and good communication throughout. Got my policy sorted in one call.”
– Jack P., Bristol
★★★★★
“Nice to see a trusted supermarket brand offering insurance backed by a big name like Legal & General.”
– Sarah W., Leeds
How to Apply
Applying for Sainsbury’s Life Insurance is quick and simple. You can do it online in just a few steps:
- Get a Quote – Use the online tool to receive a free personalised quote.
- Answer Health Questions – You’ll be asked about your health and lifestyle.
- Review and Confirm – Choose your cover amount and policy length.
- Policy Starts Immediately – Once approved, your cover can begin right away.
No medical exam is usually required, though further information may be requested in some cases.
Is Sainsbury’s Life Insurance Right for You?
Sainsbury’s Life Insurance is an excellent option if you’re looking for:
- Straightforward cover with no hidden surprises
- The reassurance of a Legal & General-backed policy
- A rewarding experience for Nectar cardholders
- Affordable protection tailored to your life stage
Whether you’re a young couple buying a home, parents looking to protect your children’s future, or someone thinking ahead, Sainsbury’s policies are flexible enough to suit your goals.
Frequently Asked Questions (FAQs)
Can I change my policy later?
No, once the policy starts, you cannot change the term or cover amount. Make sure to carefully choose your preferences before finalising your application.
What happens if I cancel?
You’ll receive a full refund if you cancel within the 30-day cooling-off period. After that, you can still cancel anytime, but you won’t get any money back.
Can I get joint life insurance?
Yes, Sainsbury’s offers joint policies that cover two people but only pay out once – usually on the first death.
What if I miss a payment?
If you miss a payment, Sainsbury’s will usually allow a short grace period to catch up. However, if the policy lapses, you’ll lose your cover and would need to reapply.
Explore Our Life Insurance Services
Our life insurance process…
01
Needs Assessment
Tell us how much money you would need to financially protect your loved ones
02
We’ll Call You
We will call you to discuss your options and provide comprehensive free quotes
03
You’re Protected
You decide which policy to take and get protected today with no medicals or forms
Top Reasons to Choose Us
Comprehensive Coverage Options
Insured-Life.co.uk offers a wide array of insurance products, including life insurance, income protection, critical illness cover, mortgage protection, and over 50s life cover. This extensive selection allows you to find a policy that aligns with your specific requirements.
Access to Multiple Insurers
As an independent broker, Insured-Life.co.uk compares policies from a diverse panel of leading UK insurers, such as Legal & General, Aviva, and LV=. This independence ensures that you receive unbiased advice and competitive quotes tailored to your circumstances.
Additional Benefits and Services
Beyond standard insurance coverage, Insured-Life.co.uk provides extra services like placing your policy into trust at no additional cost, potentially protecting the payout from inheritance tax.
What Sets Us Apart
Safe Practices
Selling life insurance is about more than just policies—it’s about protecting futures with integrity and responsibility. Safe practices ensure that every client receives honest, transparent, and ethical guidance, helping them make informed decisions with confidence. From clear communication and accurate policy information to adhering to FCA regulationsand safeguarding personal data, trust is at the heart of everything we do.
FCA Regulated
At Insured-Life.co.uk, we are fully FCA-regulated, ensuring the highest standards of security, transparency, and ethical practice in life insurance. This means you can trust us to provide expert advice, fair policies, and protection that truly meets your needs. We work with leading UK insurers to offer reliable cover, giving you peace of mind that your loved ones will be financially secure.
Quick Policy Setup
At Insured-Life.co.uk, we make getting life insurance fast, simple, and stress-free. With our quick policy setup, you can secure the protection you need in just minutes. No lengthy paperwork, no complicated processes—just straightforward cover designed to give you peace of mind.
Get a quote, choose your policy, and enjoy the reassurance of knowing your loved ones are protected.
TESTIMONIALS
Hear from Our Customers
B Grant
Excellent customer service
Excellent customer service. Spoke to Daniel and he was so professional and knowledgeable which was reflected in the information he gave me. Detailed information I must add. I felt at ease throughout the call and never once did I feel I was being pressured to open a policy. It was my decision.
Lesley Phillips
I knew I had to take out a life policy…
I knew I had to take out a life policy for my husband and myself to cover funeral costs but kept putting it off .
Anastasia called us back as requested and guided us through the application. Thank you for making it easier than we thought so informative and helpful giving us the policy that was exactly what we asked for.
Highly recommended
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
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