Life’s more fun with your
life cover done.

No-nonsense life cover, simply done.

Life’s too short to spend time searching for brokers and filling in endless forms.
It’s little wonder so many of us keep putting off life cover till tomorrow.

But the whole point of life cover is it protects your family if ‘your tomorrow’ never
comes. That’s why we cover you in minutes, so you can live life without worry.

Why choose us?

Affordable life cover in an
instant and a FREE Will.

Everyone’s happy with that.

Fixed premiums

From the day you take our cover to the day your cover ends, the amount you pay every month will never rise.

A trusted name

We’re supported and underwritten by some of the biggest names in insurance, so we’re not going anywhere.

Immediate cover

As soon as you’ve completed your purchase online, it’s job done. You and your loved ones are covered.

Fairly priced

We pride ourselves on being competitive. A 30-year-old can get £200,000 of cover for just over £15 a month.*
*Quote based on a healthy, non-smoker, level cover till age 65.

Free Will

Log in and create your Will and we’ll have it checked by professional Will writers totally free of charge.

Bereavement support

We partnered with GriefChat to give our policyholders’ families access to specially trained bereavement counsellors.

Flexible cover

Increase your cover amount
easily if you get married, have
a baby, increase your
mortgage amount or
term, or get a promotion at work.

High quality cover

Any cause of death is covered from day one and we pay out immediately if you’re given less than 12 months to live.

Your cover options

Life cover isn’t complicated.

4 decisions and you’re done.

1
Choose level or decreasing cover

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

or

Decreasing term is designed to cover a mortgage. The payout amount reduces as the mortgage reduces, so although the monthly premiums also remain fixed, they are cheaper than level term.

2
Choose your policy term

Your policy term is how long your policy remains in place. Most people choose to be covered until they plan to retire. However you can choose any age up to age 90, as long as you start the policy before your 65th birthday. The maximum length we offer is 40 years.

3
Choose your cover amount

Your cover amount is how much you’ll receive if you die before your policy ends. 
You can choose any amount between £5,000 and £500,000 depending on your age.

4
Choose single or joint life

If you’re looking for cover for yourself and your partner, you can choose to take out a joint life policy, or 2 separate policies.

Joint life protects you and your partner under one policy with one monthly premium and pays out once if you or your partner dies during the term of the policy. 2 single policies protect each partner separately and you’ll pay 2 premiums each month.

Cover for couples

Looking for a joint policy?

Here’s why we think you shouldn’t.

A joint policy is a policy that covers both of you.
If either of you dies the policy pays out. But…

The problem

Once the policy pays out it becomes void, so the remaining partner is left without life cover.

And because years may have passed since the joint policy was taken out, the remaining partner will be older, which means a new policy will be more expensive.

There’s also a risk the relationship doesn’t go the distance which would mean cancelling the joint policy and taking out separate policies. Which again, because years may have passed, would be more expensive.

The solution

Another option is for both partners to take out separate life cover policies.

That way, if one person dies their partner’s cover remains in place, and if the relationship breaks down both parties can walk away with their own policies intact.

A joint policy may be a little bit cheaper than two separate policies, but separate policies are more flexible and offer better protection.

 

Why buy today?

Make today the day you finally sort it.

It’ll never be cheaper.

Life insurance is like fine wine, the longer you leave it the more the price goes up. That’s because your premiums are based on your age when you take out the policy.

So, if you buy today, not only are your loved ones immediately protected, but you also get the lowest possible premiums fixed for the length of the whole policy.

An example

Let’s look at Norm.
He’s just an average guy.

(Norm’s a non-smoker and wants cover till age 65.)

Norm is 30 today. If he
buys £200,000 of life
cover it would cost:

£15.34

a month

If Norm was 40 today and
he bought £200,000 of life
cover, it would cost:

£23.63

a month

And if Norm was 50 today
and he bought £200,000 of life
cover, it would cost:

£42.21

a month

Don’t delay, buy today

Get a quote you’ll like,
as quick as you like.

Answer 4 questions to activate the slider.

Not sure how much cover you need?

What our customers say

Apparently, we’re excellent.

According to Trustpilot.

Trustpilot

Getting my life insurance policy with Bequest was a super slick and easy process that gave us complete 
peace of mind!

Liam Nolan

The interface is slick, modern, and easy to understand – unlike many of the other services out there! Would highly recommend them.

Jonathan Jongkind

Fantastic experience. I’d put off writing a will for years thinking it would be a long and complicated task. Instead with Bequest, it was easy.

Lisa Savage

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.