Tesco Life Insurance – Compare Quotes & Get Covered Today | Insured Life
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Looking for life insurance that offers peace of mind, flexibility, and trusted protection from a well-known name? Tesco Life Insurance, provided by Royal London – one of the UK’s most respected insurers – offers straightforward, reliable cover designed to help you protect what matters most. Whether you’re starting a family, buying a home, or planning for the future, Tesco Life Insurance could be a smart choice.
At Insured Life, we help you compare Tesco Life Insurance with other leading providers so you can find the right policy at the best value.
Why Choose Tesco Life Insurance?
Backed by Royal London, Tesco Life Insurance combines trust, simplicity, and value. Here’s why many people in the UK are choosing Tesco for life cover:
- ✅ Competitive premiums – Affordable protection from just £5 per month*
- ✅ Clubcard member discounts – Get exclusive rates if you’re a Clubcard holder
- ✅ Free cover while your mortgage completes – Available on life insurance with mortgage protection
- ✅ Optional critical illness cover – Add extra protection for serious illness
- ✅ Fixed monthly payments – Your premiums won’t go up over time
- ✅ Cover from day one – Immediate protection for accidental death
*Premiums depend on your age, health, lifestyle, and the cover amount you choose.
What Does Tesco Life Insurance Cover?
Tesco offers two types of life insurance: Level Term Life Insurance and Decreasing Term Life Insurance. You can also enhance your policy with Critical Illness Cover.
✅ Level Term Life Insurance
This type of cover pays out a fixed lump sum if you die during the policy term. Ideal for:
- Family protection
- Leaving a legacy
- Covering ongoing financial commitments
✅ Decreasing Term Life Insurance
The payout decreases over time, matching the reducing balance of a mortgage. Ideal for:
- Repayment mortgages
- Short-term loans
✅ Critical Illness Cover (Optional)
Add critical illness protection to cover serious conditions like:
- Heart attack
- Cancer
- Stroke
- Multiple sclerosis
- Major organ transplant
This pays out a lump sum if you’re diagnosed with a specified illness during your policy term, giving financial support when you need it most.
Key Features of Tesco Life Insurance
|
Feature |
Tesco Life Insurance |
|
Provider |
Royal London |
|
Policy Types |
Level Term, Decreasing Term |
|
Age Range |
18 – 84 |
|
Sum Assured |
Up to £500,000+ depending on eligibility |
|
Term Length |
5 to 40 years |
|
Critical Illness Option |
Yes |
|
Free Cover During Mortgage Setup |
Yes, up to 90 days |
|
Clubcard Discount |
Yes |
|
Terminal Illness Benefit |
Included |
|
Premium Type |
Fixed |
|
Claim Payouts (2023) |
99.4% life cover payout rate (Royal London) |
Benefits of Tesco Life Insurance Through Royal London
When you take out Tesco Life Insurance, you’re getting more than just a policy – you’re getting the expertise and security of Royal London, the UK’s largest mutual life insurer. Benefits include:
- Trustworthy provider – Royal London has over 150 years of experience
- High claim payout rate – 99.4% of life claims paid in 2023
- UK-based support – Friendly customer service and claims assistance
- No medical exam for most applicants – Simple application process
- Flexible policy options – Choose your term length and benefit amount
Do You Need Life Insurance?
Life insurance is one of the most important decisions you can make for your loved ones. It ensures your family won’t struggle financially if you’re no longer around. You might need life cover if:
- 🏡 You have a mortgage or other large debts
- 👨👩👧👦 You have children or dependents who rely on your income
- 💍 You want to provide financial security for your partner or spouse
- ⚰️ You’d like to cover funeral expenses or leave a legacy
With Tesco Life Insurance, you can protect your family’s financial future with confidence.
esco Clubcard Discount – Save More on Your Premiums
Tesco values loyalty – and as a Clubcard member, you can enjoy exclusive discounted rates on life insurance. Simply provide your Clubcard number during the application process to unlock your savings.
It’s Tesco’s way of saying thanks for shopping with them – and a great way to reduce your monthly premium without sacrificing cover.
What Isn’t Covered?
While Tesco Life Insurance offers solid protection, like all policies, it comes with exclusions. For example:
- ❌ No payout if the policyholder dies outside the policy term
- ❌ No payout if false information was given during the application
- ❌ Suicide within the first 12 months of cover is not covered
- ❌ Critical illness cover only applies to listed conditions
Always read your policy documents carefully to understand what is and isn’t covered.
How to Apply for Tesco Life Insurance
Getting covered with Tesco Life Insurance is simple. Here’s how the process works:
- Compare quotes – Use Insured Life to compare Tesco and other top insurers
- Choose your cover type – Level term or decreasing term
- Select optional extras – Such as critical illness cover
- Apply online – Quick and easy application, with no medicals for most
- Get covered – Immediate cover for accidental death
You’ll receive your policy documents by email or post, and your premiums will begin on your chosen start date.
How Much Does Tesco Life Insurance Cost?
Tesco Life Insurance starts from as little as £5 per month, but your exact premium will depend on:
- Age
- Health and lifestyle
- Smoking status
- Policy term and cover amount
- Whether you choose critical illness cover
We recommend comparing quotes from multiple providers to ensure you’re getting the best deal.
Tesco Life Insurance Reviews
Tesco Life Insurance is rated highly for value and customer service. Here’s what real customers are saying:
⭐⭐⭐⭐⭐ “Great value and very easy to apply. I feel reassured that my family is protected.”
– Sarah, Trustpilot
⭐⭐⭐⭐⭐ “The application was smooth and straightforward. No hassle at all.”
– James, Google Reviews
⭐⭐⭐⭐ “Competitive premiums and the Clubcard discount helped reduce the cost.”
– Louise, Feefo
With a high payout rate and customer satisfaction, Tesco Life Insurance is a solid choice for peace of mind.
Compare Tesco Life Insurance with Other UK Providers
At Insured Life, we make it easy to compare Tesco Life Insurance with top UK insurers like:
- Aviva
- Legal & General
- Royal London
- AIG
- Zurich
- Vitality
Our comparison tools help you find the right balance of cost and cover – so you can protect your loved ones without overpaying.
Get a Tesco Life Insurance Quote Today
Ready to get covered? Use Insured Life to compare Tesco Life Insurance quotes today and find a policy that suits your needs and budget. Whether you’re looking for mortgage protection, family cover, or extra peace of mind, Tesco Life Insurance could be the smart, affordable choice you’ve been searching for.
✅ Compare quotes in minutes
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Tesco Life Insurance – Trusted Cover Backed by Royal London.
Start your quote now and protect your family’s future.
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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