Sainsbury’s

Help protect your family or mortgage with Sainsbury's Life Insurance from just £5 a month^††. Cover provided by Legal & General.

Exclusive offer for Nectar card holders

• £50 Sainsbury's gift card to treat yourself*
• Plus double Nectar points for 2 years at Sainsbury's*

Offer available to new customers who take out a policy by 20th February 2012.

Sainsbury's Life Insurance offers...

• Award winning cover**
• A cash lump sum to help pay off your mortgage or provide for your family if you die during the term
• Free accidental death benefit while we process your application***

If you stop paying premiums before the end of the plan, your cover will end 30 days after your missed payment. Please remember this is not a savings or investment product, and has no cash value until a valid claim is made.

Select from three types of cover...

1. Level term life insurance
2. Mortgage term insurance
3. Mortgage decreasing term insurance

Plus optional extras for added peace of mind including Award winning critical illness cover and Waiver of premium.

Get a quote today

Use our life insurance calculator to work out how much cover you might need. Then apply online or by phone to get your quick quote today.

Read our key features document for more details.

If you wish to apply for a life insurance policy that will go beyond your 70th birthday please call 0800 027 7166.

Your family may need help paying for everyday expenses such as bills or child care costs if you die. Life term insurance is a straight forward way to help provide a financial safety net for your family.

If you are looking for mortgage protection only, you may want to read about our mortgage insurance products instead.

Summary of features

• Your policy could pay out a cash lump sum if you die during the term
• The cash lump sum will remain the same throughout the policy term unless you increase your cover
• Your monthly payments will also remain the same
• Early payment if you are diagnosed with a terminal illness during the policy term* 
• Free accidental death benefit for up to 90 days while we process your application*

Optional extras

We offer the following at an additional cost.

Critical illness cover:
Add this to your life insurance policy and you could receive a cash lump sum if you are diagnosed with one of the specified illnesses outlined in your policy*. Your children will also be covered at no additional expense.

Waiver premium:
This benefit waives your premiums if you’re unable to work due to illness or injury. After 26 weeks, we’ll waive your monthly payments, giving you one less thing to think about*.

Flexible cover

As your life changes, so may your insurance needs. You can change your insurance cover when your circumstances change, such as extending your family.

Mortgage life insurance has one clear objective - to help pay off your outstanding mortgage if you die. So your partner or family can remain in the property without worrying about how they'll pay the mortgage.

We offer two types of mortgage life insurance:

1.  Mortgage term insurance
Designed to help protect an interest-only mortgage, the cash lump sum remains the same throughout the term of your policy.

2.  Mortgage decreasing term insurance
Designed to help protect a repayment mortgage, the cash lump sum will decrease roughly in-line with your remaining mortgage debt.

Summary of features

• Your policy could pay out a cash lump sum if you die during the term
• Early payment if you are diagnosed with a terminal illness during the policy term*
• Free accidental death cover up to 90 days while we process your application*
• Free 24-hour moving day rescue-service, SmoothMove**
• Free life cover if you are in the process of buying a property*

Optional Extras

We offer the following at an additional cost.

Critical illness cover:
Add this to your life insurance policy and you could receive a cash lump sum if you are diagnosed with one of the specified illnesses outlined in your policy*.

Waiver premium:
This benefit waives your premiums if you’re unable to work due to illness or injury. After 26 weeks, we’ll waive your monthly payments, giving you one less thing to think about*.

Flexible cover

As your life changes, so may your insurance needs. You can change your insurance cover if your circumstances change, such as buying a new property.

Get your life insurance quote today

Apply online or call 0800 027 7166.

Just follow these easy steps to receive an instant quote today.

1. Choose the type of insurance you require and the amount of cover.
   This value represents the cash lump sum your policy could pay out in the event of your death or if you are diagnosed with a terminal illness during the term.


2. Select the length of cover.
   Please note that we cannot pay you if your policy term has ended before you die.


3. Add Critical illness cover and Waiver Premium.
   Additional costs apply.


4. Have your personal details at hand.
   Please provide your bank details, and doctor’s name and address. If applying for a joint policy your partner will also need to supply their details.

Important information

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.

Up to 90 days protection while you wait

Many applicants are accepted immediately, however you will still be covered for accidental death benefit for up to 90 days while your application is processed. Terms and conditions apply.

Sainsbury's Life Insurance terms and conditions

Please see the key features document (PDF 94.01KB). You must read this before applying. Your policy terms and conditions will be sent to you 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.