Cookie policy

What cookies are

A cookie is a small text file downloaded when you open a website. It remembers things like how often you’ve been there, how long you’ve stayed and what you’ve looked at. 

Cookies are very limited in what they can do. They can’t gather any information from you without asking. Nor can they interfere with your device or scan it for information – they just unlock its memory so that the website can recognise you when you come back. 

It’s technically impossible for cookies to read personal information.

Why do we use cookies?

We use cookies to help us keep improving our website and ensure your visit is as good as possible. Here’s why we use each of the categories of cookie defined in the International Chamber of Commerce UK Cookie Guide:

  • Strictly necessary cookies. These are the cookies our website needs to work properly and check you’re you when you’re logging in. Without them, you wouldn’t be able to move around the site, get a quote or apply.
  • Performance cookies. These let us see how you move around our website so that we can improve the way it works. They don’t collect any information that identifies you. Some of these cookies may be placed and managed by third parties – for example, Google Analytics which we use to get anonymous statistics. 
  • Functionality cookies. These are the ones that recognise you when you come back. Using them lets us greet you by name, personalise content for you and remember your choices such as language, cookies and marketing preferences.
  • Targeting cookies. These can record your visit, the pages you’ve looked at and the links you’ve followed. They can store identifiable information about you so that we can make our content more relevant for you. And to help us do that, we may share this information with third parties.

Please note that third parties such as Google Analytics may also use cookies – likely to be performance or targeting – that we don’t have any control over.

The types of cookies we use

We use session cookies (which expire as soon as you close your browser) and persistent cookies (which stay on your device and expire on a specified date).

Session cookies

These let you move around the website more quickly without repeating yourself when typing things in. It’s a session cookie that lets you create a quote and then carry on browsing until you’re ready to hit ‘apply now’.

Persistent cookies

These cookies help our website remember your information and settings when you come back another time. This makes the return visit quicker and easier for you. It’s a persistent cookie that remembers your choices last time, such as cookies and marketing preferences.

How you can control cookies

If you carry on using our website, we’ll take it you’re happy with us using cookies. If you’re unhappy, you can block them in your browser settings, which might mean our website won’t work correctly.

In case it helps, here are links to the cookie management pages for the most popular web browsers:

  • Chrome
  • Microsoft Edge
  • Firefox
  • Safari
  • Opera
Where to find out more

For more information on cookies and how to manage them, please see the following:

When we update our policy

We’ll update this cookie policy any time there’s a change to our use of cookies or similar technologies on our website.


No nonsense life cover is just a few minutes.

Frequently asked questions

FAQs, answered.

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, or are diagnosed with a terminal illness, we pay out.

For a terminal illness claim, you’ll need a diagnosis from an attending consultant with the opinion that the illness is expected to lead to death within 12 months.

So, 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: Starter, Grow and Inherit.

  • Starter (£59): print-at-home will to sign and keep yourself.
  • Grow (£89): professionally printed, bound, and delivered. Sign it and return it to us to check and store for you. Uploading it into the National Will Registry is also included.
  • Inherit (£399): Everything in Grow, plus create a Trust to help complex situations and protect your estate against tax.

Check out our Wills page for all the details.


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’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 with the Starter package, but we cover it in Grow and Inherit packages.