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 super simple 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.*
*As long as no changes are made to your cover.
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.
Write your will
Log in, write your will and we’ll have it checked by our professional will writers. It’s super simple, and super affordable.
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.
Choose level or decreasing cover
Level term means 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 large debt such as a mortgage. Although the monthly premiums are fixed, the amount of cover goes down each year by a rate of 8%. These types of policy can be cheaper than level term as the amount you’re covered for reduces each year.
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.
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. If you choose level term, this amount will not change, but with decreasing your cover amount falls by roughly 8% each year.
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 single life policies are better.
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, your cover ends. 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 if they need a new policy it 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.
If both you and your partner die in a single event, a joint life policy will pay out the single sum insured amount. With two single policies, both amounts would be paid out. So, for a very small change in monthly premium price you would be covered for two sum insured amounts by taking out two single policies!
A joint policy may be a little bit cheaper than two separate policies, but separate policies are more flexible and offer better protection.
Always remember, the best thing to do is to chat through your options with your partner and decide which policy is right for both of you.
The story
Rosie and Jim take out a joint-life policy to cover the both of them. This costs them £36.42 a month, for £400,000 of cover.
Unfortunately they get into a canal boating accident and their family begin the claims process and are paid the £400,000.
If Rosie and Jim had taken two single life policies, each to cover £400,000 the monthly premiums they would have paid together would be £37.98 (just £1.56 more expensive!).
When their family came to claim, they would have been paid £400,000 for Rosie’s policy and another £400,000 for Jim’s policy.
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.)
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 great.
According to Trustpilot.
Getting my life insurance policy with Bequest was a super slick and easy process that gave us complete peace of mind!
The interface is slick, modern, and easy to understand – unlike many of the other services out there! Would highly recommend them.
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.
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 (£39): print-at-home will to sign and keep yourself.
- Grow (£69): 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 (£269): 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.
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’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.