Help protect your family or your mortgage with Sainsbury’s Bank Life Insurance from £5 a month. Your policy could pay out if you die during the length of the policy.

Available offer

• You'll get £100 of Nectar points if your monthly premiums are £10 or more. *You'll receive your points within 60 days after you've paid 5 months' of premiums.
• We’ll double the Nectar points on your Sainsbury’s shopping and fuel for 12 months when you purchase by 31/05/2022 ††

PLUS, exclusively for colleagues

• 3,000 bonus Nectar points^

Additional benefits of Sainsbury's Life Insurance

• Choice - you choose the amount and length of cover
• Flexibility - make changes to your policy if your circumstances change. T&C's apply
• Joint cover option - for you and your partner
• Lower premiums - for non-smokers
• UK based call centres - with a designated member of Legal & General's specialist team to manage your claim

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

Select from two types of cover

• Life insurance - covers your life. The cash sum remains the same throughout the term of your policy
• Decreasing life insurance - helps protect a repayment mortgage. The cash sum reduces roughly in line with the way a repayment mortgage decreases.

Critical Illness Cover

Plus for an additional premium you can add Critical Illness Cover when you take out your policy.

It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB] this is an important document which you should read before applying.

†† Double Nectar points offer
1. Offer available to customers buying a new life insurance, decreasing life insurance or over 50s life insurance policy by 31/05/2022.
2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, with each Sainsbury’s purchase
3. Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us. 
4. Double points stop 12 months after your policy start date or when the policy is cancelled or you stop paying premiums - whichever happens first.
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. 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. No cash alternative is available
9. We reserve the right to change or cancel this offer without notice.

^ Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. If all conditions are met, points will be awarded 4 months after policy start date, as long as the policy is still in force and no premiums are outstanding. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time without notice. No cash alternative available. You’ll need to tell us your Nectar card number when you apply. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.

* £100 of Nectar points
1. This offer is only available when you get a quote and buy a new life insurance or decreasing life insurance policy direct from Sainsbury's Bank's website. Purchases through price comparison, cashback, voucher code and similar sites are excluded.
2. After you’ve paid 5 months’ premiums, you’ll get: 20,000 points (worth £100) if your monthly premium is £10 or over.
3. The points will be added to your Nectar account within 60 days.
4. You need to add your Nectar card number to your application.
5. We’ve selected this offer for you and it can’t be transferred to anyone else.
6. Points are awarded on no more than 2 policies per household in any 12 month period.
7. Sainsbury's Supermarkets Ltd and Sainsbury’s Bank plc award the points from this offer. No cash alternative is available.
8. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.

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.

Summary of features

• Your policy could pay out a cash sum if you die during the length of the policy
• Your monthly payments will remain the same, unless you alter your policy
• Additional Benefits including Terminal illness cover and Accidental Death Benefit
• Please see the Policy Summary for full terms and conditions

This is not a savings or investment product, and has no cash value unless a claim is made.

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 Policy Summary [PDF 147KB]. This document includes important information you should read before applying.

Here's what to do

• Choose your type of cover
• 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 Policy Summary [PDF 147KB] and privacy statement
• If you’re replacing an existing policy, make sure your new application has been accepted before cancelling your existing cover

††Double Nectar points offer. 1. Offer available to customers buying a new life insurance or decreasing life insurance policy. 2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, 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. 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. Sainsbury's Supermarkets Ltd award the points from this offer. 8. No cash alternative is available. 9. We reserve the right to change or cancel this offer without notice.

^Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. If all conditions are met, points will be awarded 4 months after policy start date, as long as the policy is still in force and no premiums are outstanding. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time without notice. No cash alternative available. You’ll need to tell us your Nectar card number when you apply. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.

*£100 of Nectar points
1. This offer is only available when you get a quote and buy a new life insurance or decreasing life insurance policy direct  from Sainsbury's Bank's website. Purchases through price comparison, cashback, voucher code and similar sites are excluded.
2. After you’ve paid 5 months’ premiums, you’ll get: 20,000 points (worth £100) if your monthly premium is £10 or over.
3. The points will be added to your Nectar account within 60 days.
4. You need to add your Nectar card number to your application.
5. We’ve selected this offer for you and it can’t be transferred to anyone else.
6. Points are awarded on no more than 2 policies per household in any 12 month period.
7. Sainsbury's Supermarkets Ltd and Sainsbury’s Bank plc award the points from this offer. No cash alternative is available.
8. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.

See the Policy Summary document online

You can download and print the document with Adobe Acrobat. Get Adobe Reader. 

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

Policy Summary Document

Life Insurance and Decreasing Life Insurance (PDF 1040KB)

Please note: your document 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.

††Double Nectar points offer. 1. Offer available to customers buying a new life insurance or decreasing life insurance policy. 2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, 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. 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. Sainsbury's Supermarkets Ltd award the points from this offer. 8. No cash alternative is available. 9. We reserve the right to change or cancel this offer without notice.

^Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. If all conditions are met, points will be awarded 4 months after policy start date, as long as the policy is still in force and no premiums are outstanding. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time without notice. No cash alternative available. You’ll need to tell us your Nectar card number when you apply. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.

*£100 of Nectar points
1. This offer is only available when you get a quote and buy a new life insurance or decreasing life insurance policy direct from Sainsbury's Bank's website. Purchases through price comparison, cashback, voucher code and similar sites are excluded.
2. After you’ve paid 5 months’ premiums, you’ll get: 20,000 points (worth £100) if your monthly premium is £10 or over.
3. The points will be added to your Nectar account within 60 days.
4. You need to add your Nectar card number to your application.
5. We’ve selected this offer for you and it can’t be transferred to anyone else.
6. Points are awarded on no more than 2 policies per household in any 12 month period.
7. Sainsbury's Supermarkets Ltd and Sainsbury’s Bank plc award the points from this offer. No cash alternative is available.
8. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.

Important information

It is your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. The Policy Summary [PDF 147KB] is an important document, which you should read before applying.

Sainsbury’s Life Insurance is provided by Legal & General Assurance Society Limited, Registered Office: One Coleman Street, London, EC2R 5AA (registered in England and Wales no. 166055). Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514).

††Double Nectar points offer. 1. Offer available to customers buying a new life insurance or decreasing life insurance policy. 2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, 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. 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. Sainsbury's Supermarkets Ltd award the points from this offer. 8. No cash alternative is available. 9. We reserve the right to change or cancel this offer without notice.

^Colleague offer. In addition to the current customer offer. Points issued four months after policy start date. Bonus Nectar Points are available to all J Sainsbury colleagues, Sainsbury's Bank colleagues and J Sainsbury veterans. Colleagues may be asked for proof of their employment status at any time during the application process. Offer only available to new Life Insurance customers. If all conditions are met, points will be awarded 4 months after policy start date, as long as the policy is still in force and no premiums are outstanding. Legal & General reserve the right to cancel any policies should they suspect fraud or misconduct. Limited to 1 application per customer. This offer may be changed or withdrawn at any time without notice. No cash alternative available. You’ll need to tell us your Nectar card number when you apply. All online colleague applications must originate from sainsburysbank.co.uk/youchoose to ensure fulfilment of Nectar points.

*£100 of Nectar points
1. This offer is only available when you get a quote and buy a new life insurance or decreasing life insurance policy direct from Sainsbury's Bank's website. Purchases through price comparison, cashback, voucher code and similar sites are excluded.
2. After you’ve paid 5 months’ premiums, you’ll get: 20,000 points (worth £100) if your monthly premium is £10 or over.
3. The points will be added to your Nectar account within 60 days.
4. You need to add your Nectar card number to your application.
5. We’ve selected this offer for you and it can’t be transferred to anyone else.
6. Points are awarded on no more than 2 policies per household in any 12 month period.
7. Sainsbury's Supermarkets Ltd and Sainsbury’s Bank plc award the points from this offer. No cash alternative is available.
8. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.