expanded Sainsbury's Life Insurance

Sainsbury's Life Insurance

Take out a new policy for your peace of mind and you’ll get extra rewards.

  • £70 worth of bonus Nectar points after you’ve paid 5 months of premiums†
  • Double Nectar points at Sainsbury’s for the length of your policy with new life insurance, decreasing life insurance and over 50s policies as long as you keep paying your premiums‡

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Life Insurance

A straightforward way to help provide a financial safety net for your family if you die during the term.

Decreasing Life Insurance

Decreasing Life Insurance has one clear objective - to help pay off your outstanding repayment mortgage if you die during the term.

Over 50s Life Insurance

A simple way to help towards your funeral costs, outstanding bills or to leave a cash lump sum for your loved ones when you die.

Critical Illness Cover - Additional Cover

Critical Illness Cover can be added as an additional cover to a Life Insurance or a Decreasing Life Insurance policy when you apply**


We've answered some frequently asked questions about our Life Insurance.

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It’s your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor.

** For details of the critical illness please read the guide to critical illness cover which can be found at sainsburysbank.co.uk/life-insurance

†The £70 worth of Nectar Points offer is an introductory offer available to customers who purchase direct from Sainsbury’s Bank’s website or by phone a new Sainsbury’s Bank Life Insurance plan, Decreasing Life Insurance plan (with or without Critical Illness) or Over 50s life insurance plan from 16th February 2017. 14,000 Nectar points, the equivalent of £70, will be credited to your Nectar account after you have paid five months’ premiums, as long as your plan is still in force and no premiums are outstanding.

One set of Nectar points per plan sold, limited to two per household in a 12 month period. Legal & General reserves the right to cancel any plans should they suspect fraud or misconduct. Sainsbury’s Bank reserves the right to withdraw or amend this offer at any time, without notice. No cash alternative available.

You need to tell us your Nectar card number when you apply. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com.

‡Double Nectar Points – 1) Offer available to customers buying a new Sainsbury’s Bank Life Insurance, Decreasing Life Insurance (with or without Critical Illness) or Over 50s Life Insurance policy. 2) You need to tell us your Nectar card number when you apply, and use this card with each Sainsbury’s purchase. 3) Double points begin on your policy’s cover start date. If you tell us your Nectar card number after your cover start date, double points begin on the date you tell us. 4) Double points stop when the policy is cancelled or you stop paying premiums. 5) Each Nectar account can only collect points from one life insurance policy 6) It's only the base points you collect at Sainsbury's that are doubled. If you're taking part in the new Nectar trial, it's the points you get on new Nectar that are doubled. Bonus points won't be doubled, nor will any points from Argos, Habitat, Sainsbury's Bank (including travel money purchases), Sainsbury's Energy or any other Sainsbury's service. 7) By the 10th of each month, you'll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points. 8) Sainsbury’s Supermarkets Ltd award the points from this offer. 9) No cash alternative is available. Sainsbury’s Bank reserves the right to alter, cancel or withdraw this offer without notice.