Terms of use

Last updated: 8 June 2022

1. Our terms are legally binding

Please ensure you understand our terms of use because you’re legally bound by them whenever you visit our website. You mustn’t use the website if you’re unhappy with these terms. If you breach any of these terms, your right to use our website stops immediately.

These terms apply every time you visit our website, by which we mean:

Using our website, you confirm you’re happy with these terms and will stick to them.

Whenever we say ‘you’ and ‘your’, we mean whoever’s using the website. That could be you, or if you visit on behalf of a legal entity that’s your employer, it means that entity.

Whenever we say ‘we’, ‘our’, ‘us’ or ‘Bequest’, we mean FF Bequest Ltd (trading as Bequest, a company registered in England & Wales with company registration number 12367897). 

If you need to contact us, please email us at alexa@bequest.com.

2. Our intellectual property rights are protected

We’re the owner or licensee of all the intellectual property rights on our website and in the material published on it. It’s all protected by copyright laws and treaties around the world.

You may print off one copy – and download extracts – of any page(s) for your personal use and draw your colleagues’ attention to the content. But you mustn’t modify anything you’ve printed off or downloaded or use any illustrations, photos, video or audio sequences or graphics separately from any text that goes with it.

You mustn’t use any content for commercial purposes without getting permission from us or our licensors first. And on anything you use, you must acknowledge us (and any identified contributors) as the authors.

If you print off, copy or download anything in breach of these terms, you must, if we ask, return or destroy any copies of the materials you’ve made.

3. We amend these terms from time to time

We may amend these terms occasionally, and if we do, we’ll publish the changes on the website. The date at the top of this page tells you when we last changed them. By using or continuing to use the website after this, you agree to be legally bound by the new terms.

4. Our website may not always be available

You can use our website for free. We don’t guarantee that it – or any content – will always be available or uninterrupted, but we’ll try to give you reasonable notice of any planned suspension or withdrawal.

You must ensure that anyone who accesses our website through your internet connection is aware of these terms – and other terms and conditions that might apply – and that they comply with them.

We may transfer our rights and obligations under these terms to another organisation. We’ll always tell you in writing if this happens, and we’ll ensure that the transfer won’t affect your rights.

The website is intended only for people living in the UK.

5. You must keep your account details safe and secret

Suppose you choose or are given a user identification code, password or any other information as part of our security procedures. In that case, you must treat it as confidential and never disclose it to anyone else.

We may disable your user identification code or password if you breach our terms.

If you know or suspect anyone other than you knows your user identification code or password, you must immediately inform us at alexa@bequest.com.

6. We’re liable for only certain losses or damage you suffer

Whether you’re a consumer or a business user:

  • We don’t exclude or limit in any way our liability to you where that would be unlawful. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
  • Different limits and exclusions of liability apply to our products or services, as set out in our terms of use.

If you’re a business user:

  • We exclude all implied conditions, warranties, representations or other terms that may apply to our website or its content.
  • We won’t be liable to you for any loss or damage from using – or not being able to use – our website or the from using or relying on any of its content.
  • In particular, we won’t be liable for loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage.

If you’re a consumer:

  • Our website is for domestic and private use only. You mustn’t use it for any commercial or business purposes, and we have no liability for any loss of profit, business interruption, or loss of business opportunity.
  • If any digital content we’ve supplied damages your device or digital content because we’ve not taken reasonable care, we’ll either repair the damage or pay you compensation. However, we won’t be liable for damage you could have avoided by applying an update we offered you free of charge or because you didn’t follow installation instructions correctly or have the minimum system requirements.
7. We don’t give advice, and you shouldn’t rely on our content

The content on our website is for general information only. It’s not intended as advice, and you shouldn’t rely on it. You should get professional or specialist advice before taking, or refraining from, any action based on what we say on our website.

Although we make every effort to keep the information up to date, it’s possible that it may not be accurate, complete or up to date at all times.

8. We’re not responsible for viruses, and you mustn’t introduce them

We can’t guarantee our website is secure or free from bugs or viruses, so you should always use your virus protection software.

You mustn’t try to gain unauthorised access to the website, the server it’s stored on or any server, computer or database connected to it. What’s more, you mustn’t knowingly introduce viruses, trojans, worms, logic bombs or anything else that’s malicious or technologically harmful. Under the Computer Misuse Act 1990, we’ll report any denial-of-service attacks or distributed denial-of-service attacks to the relevant law enforcement authorities.

9. We’re not responsible for other sites or content

Any links we’ve included to other websites and resources provided by third parties are for your information only. We have no control over them, so you need to check them out yourself. We’re not responsible for and won’t be liable to you for those websites or their content.

10. You need permission to link to our website in some instances

You may link to our home page, so long as you do it in a way that’s fair and legal and doesn’t damage our reputation or take advantage of it. You mustn’t suggest any form of association, approval or endorsement on our part where none exists. And you mustn’t establish a link on any website you don’t own. You mustn’t frame our website on any other site or create a link to any part other than the home page.

We reserve the right to withdraw linking permission without notice.

If you’d like to link to or use the content on our website other than as set out above, please contact us at alexa@bequest.com.

11. There are restrictions on how you may use our website

You mustn’t:

  • Modify our website or any part of it, or create anything based on it.
  • Distribute, publish, communicate to the public or share in any other way any text, images, graphics, videos or other content without getting our written consent first.
  • Frame, deep-link, or scrape our website or any part without getting our written consent first.
  • Interfere with our website or do anything that interferes with anyone else’s access to or use of it.
  • Remove or obscure any copyright notice, trademark notice, or other proprietary rights notice from our website or from any downloads or copies you make under Section 3 of these terms.
12. Different laws govern these terms in different circumstances

If you’re a consumer, these terms are governed by English law. The courts of England and Wales will have exclusive jurisdiction unless you live in Northern Ireland or Scotland and want to bring proceedings there.

If you’re a business, these terms are governed by English law and subject to the English courts’ exclusive jurisdiction.

13. You must not use our trademark without approval

‘Bequest’ is a UK-registered trademark of FF Bequest Ltd. You mustn’t use it without our approval unless it’s part of your material, as permitted under Section 2.

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.