Let us take the weight off your mind.

The bequest quest

Searching for a broker, filling in endless forms,
comparing comparison sites, being bamboozled by
jargon, and getting pestered by call centres.
No wonder everyone puts off buying life insurance.

But every day that passes without cover is a day that puts your
loved ones at unnecessary risk.

That’s why we’re on a mission to remove the barriers and make life
insurance easy to understand and buy.

At the end of the day, we all just want our life cover simply done,
so we can get on with life, without worrying about it.

Meet the senior team

The friendly faces behind Bequest.

Real people making life cover really easy.

James

Chief Executive Officer

Bequest was James’s idea. He leads the business and makes sure we all stay 100% focused on doing what’s best for our policyholders and their families.

Pawel

Chief Technical Officer

Pawel is the brains behind our digital platform. He’s responsible for the technology that enables our customers to buy our life cover in an instant.

Fanni

Head of Product

Fanni is responsible for the quality of our life cover. She makes sure our policies provide the best possible cover at the best possible price.

Ollie

Director of Operations

Ollie makes sure everything is running smoothly and everything’s in place to meet the needs of our policyholders and customers.

Rachael

Head of Partnership & Marketing

Rachael is responsible for our brand and making sure everyone hears our story. She’s also always on the lookout for other brands we can work with.

Our partners

The brands that make our brand
a brand you can trust.

Look who’s behind Bequest.

We may be a new name in life insurance, but we’re backed
by some of the biggest names in the industry, so you can
have complete trust in Bequest and our policies.

Gen Re is one of the world’s leading reinsurers.
They reinsurer your policy so you can be
confident we are always able to pay a claim.

Covéa is our underwriter. They have around 650,000 life and protection policies under administration in the UK.

Social and environmental impact

We’ve also got a protection
policy for the planet.

We’re not getting another one.

At Bequest we’re realists. We can’t save the planet single-handed.
But we can do our little bit, so we’ve become a certified B Corporation.

That means we’ve made a clear commitment to adhere to the highest
standards of social and environmental governance.

And we’re in good company. The following well-known brands also wear
the B Corp badge with pride.

Frequently asked questions

FAQs answered PDQ.

Select a question and all will be revealed.

Now. Death is unpredictable. You could die today or tomorrow. Having life insurance in place means your family are financially protected if the unexpected happens.

But that’s not the only reason. Life insurance gets more expensive the older you are. So, to get the best price, buy it now.

For example, £200,000 of cover until age 65 costs around £15 a month if you’re a 30-year-old non-smoker. It can be almost 3 times that amount when you’re 50.

We can’t tell you exactly how much you need – we’re all different. But you should consider choosing enough cover for ongoing living expenses, such as any outstanding mortgage, or a good few years in rent, and the monthly bills. Plus, any debts or loans you have, and don’t forget funeral costs.

You choose how long you want your policy to remain in place, anything from 5-40 years.

Most people choose to be covered until age 65, as that’s when they expect to retire. However, you can choose any age up to age 90, as long as you start the policy before your 65th birthday.

Level term is the most popular option. The amount of cover never changes. So, if you choose £200,000 of life insurance and you die in 10 years, we pay your family £200,000.

Decreasing term is designed to cover a mortgage. The payout amount decreases each month in line with your mortgage. The amount the cover goes down is equivalent to an annual interest rate of 8%. So, although the monthly cost you pay stays the same, decreasing cover is cheaper than level cover.

There are 2 options. You can either choose a joint life policy or 2 single life policies.

Although joint life policies tend to be a bit cheaper, they only pay out once. So, if one of you claims, the other is left with no life insurance in place.

The other option is for both partners to take out separate life insurance policies. That way if one of you dies your partner’s cover remains in place. Or if the relationship breaks down, you can both walk away with your policies intact. Separating a joint life policy isn’t always that easy.

We may be a new name in life insurance but we’re backed by some of the biggest names in the industry, so you can have complete trust in Bequest and our policies.

GenRe is one of the world’s leading reinsurers. They reinsure your policy so you can be confident we are always able to pay a claim.

Covéa is our underwriter. They have around 650,000 life and protection policies under administration in the UK.

Just call us on 020 3916 5433 and we’ll take it from there.

Check out our claims page for what to expect.

Life insurance is quite simple. If you die, we pay your claim. As long as you answered all the questions on your application honestly, you can sit back and relax safe in the knowledge you’re fully protected.

We know you were thinking it.

If Bequest were to close our doors, your policy is completely safe. Covéa, our partner, looks after the running of your policy today. So, they’d continue to do that if we were no longer around.

But we’re going nowhere.

We offer 3 Will options: Free Will, Will Plus, Premium Will.

Free Will is completely free. You don’t need to buy our life insurance to write a Free Will with us. But, if you do buy life insurance, we’ll give you our Premium Will completely free too.

Check out our Wills page for all the details.

Absolutely.

All our Wills are written and checked by JP Estate Planning, an award-winning, UK-based, professional Will writer and estate planner.

So, what are you waiting for? Write your Will now.

There are lots of reasons why writing a Will is so important – such as naming your children’s guardians, protecting stepchildren, protecting the family home and making sure your inheritance is spent wisely.

Read our 6 reasons why a Will is well worth writing.

If you’ve chosen our Free Will, or Not so Free Will and you’d like us to check your signature and upload a copy to the National Will Register, you’ll need to print it, and post it to: JP Estate Planning Ltd, PO Box 6438, Milton Keynes, MK10 1LY.

We highly recommend sending this to us by recorded delivery with Royal Mail, so it’s safe and secure. You’ll need to pay for postage.