Help protect your family or your mortgage

Life is uncertain so no matter what stage of life you're at - if you're newly married, in a newly registered civil partnership, a new parent or moving into a new house - you have to think about your loved ones. Will they be protected if something happens to you?

Sainsbury's Life Insurance offers you:

• Cover provided by Legal & General
• Cover from just £5 a month (that's just 16p per day). Your cover will depend on your individual needs and circumstances and the premium you choose to pay
• Option to increase the level of cover as your circumstances change. Subject to terms and conditions, which you can read about in the key features document (PDF 94KB).
• Fixed monthly repayments, if you keep the same amount of cover
• Two life insurance options - level and decreasing term insurance
• Lump sum payment if you die or are diagnosed with a terminal illness during the policy term. Subject to terms and conditions
• Terminal illness cover included as standard for policies with a term of two years or more. This runs through until the last 18 months of your policy term
• If you stop paying premiums before the end of the plan, your cover will end 30 days after your missed payment. There is no cash-in value at any time
• £50 Sainsbury's voucher if you take out a policy by 6th September 2010. Offer available to Nectar card holders only*

Add Critical Illness Cover to your policy

Critical Illness Cover is designed to pay a lump sum if you die or are diagnosed with one of the 39 specified critical illness during the term of your policy, and are eligible to claim. This could help towards repaying the mortgage, paying for private medical treatment or simply maintaining your individual or family lifestyle. Click here to find out more.

There are some circumstances when the policy won't pay out. For example, if you don't truthfully provide all the information we request on your application. These are all described in the key features document. This is an important document which you must read, to make sure the policy meets your needs.

£50 voucher terms and conditions

*Take out Sainsbury’s Life Insurance by 6th September 2010 and receive a £50 Sainsbury’s voucher when you provide your Nectar card details. Nectar card details must be provided at point of sale and vouchers will not be issued retrospectively. If all conditions are met, your voucher is paid once a minimum of three months premiums are successfully collected. If you cancel within this period your voucher will not be paid. We reserve the right to cancel any policies should we suspect you’ve set out to defraud us. Offer only available to new Life Insurance customers, limited to one application per customer and cannot be exchanged for cash or used in conjunction with any other offer, promotion or coupon. We may withdraw this offer at any time and the offer may be amended. Employees of Sainsbury's and Legal & General cannot take advantage of this offer.

Choose the cover to suit you

Cover starts from £5 a month. Your cover will depend on your individual needs and circumstances and the premium you choose to pay.

Level Term Insurance

Help protect your family 

• Lump sum payment if you die during the term of your policy
• Fixed level of cover for the term of the policy
• This means monthly payments stay the same as you get older unless you increase your cover

Decreasing Term Insurance

Help protect your mortgage

• Receive a lump-sum payment if you die during the term of your policy
• Suitable to help protect a repayment mortgage
• Amount of cover reduces roughly in line with your outstanding repayment mortgage over the term of the policy
• Monthly payments stay the same unless you change the amount of cover
• Cost of cover is usually cheaper than Level Term Insurance
• This means this cover is usually chosen to help protect a repayment mortgage, so that the amount of insurance decreases roughly in line with your remaining mortgage debt.

Get a quote in minutes and you could get instant cover

Many of our applicants are accepted immediately. If we can’t provide you with cover straight away, we will still give you accidental death benefit for up to 90 days while your application is processed. Terms and conditions apply.

You can find out more information on the types of policy available in the key features document (PDF 94KB). This document includes important information you should read before applying

Here's what to do

• Choose your Life Insurance product
• Decide the amount and length of cover you want
• Get a quote online or over the phone

What you need to apply

• Your bank or building society details
• Your doctor’s name, address and phone number
• Your partner must be present if you’re applying for joint cover
• Before applying, you must read the key features document (PDF 94KB) and privacy statement
• If you’re replacing an existing policy, make sure your new application has been accepted before cancelling your existing cover

Get a quote and apply over the phone

Call 0800 027 7166 quoting reference H18M058

Telephone calls may be recorded and monitored. Lines are open: 8am-8pm Monday to Friday and 9am-5pm Saturday.

See the Key Features document online

You can download and print these documents with Adobe Acrobat.  Get Adobe Reader.
   

 
To read the Key Features document with a screen reader, visit the Access Adobe website.  Alternatively, use Adobe’s online conversion tool for pdfs.

Policy Document

Level Term Assurance and Mortgage Decreasing Term Assurance (PDF 74KB)
 
Please note: your documents will open in a new browser window and may take some time to download depending on your internet connection.

Cover starts from £5 a month. Your cover will depend on your individual needs and circumstances and the premium you choose to pay. Full terms and conditions will be sent in the policy documents after application.

Sainsbury's Life Insurance terms and conditions

Please see the key features document (PDF 94.01KB). You must read this before applying. Full terms and conditions are in the policy document which is sent after you have applied

Sainsbury’s Life Insurance is provided by Legal & General Assurance Society Limited. Legal & General do not provide advice or personal recommendations on this product.  If you are unsure of the suitability of this product for your needs, please contact your financial advisor. 

Sainsbury's Bank is a Registered Trademark of Sainsbury's Bank plc. Registered Office: 33 Holborn, London EC1N 2HT. A company incorporated in England No. 3273730. Sainsbury's Bank plc is authorised and regulated by the Financial Services Authority (FSA).

Cover starts from £5 a month. Your cover will depend on your individual needs and circumstances and the premium you choose to pay.