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All Churchill life insurance policyholders get unlimited, 24/7 access to a GP and fixed monthly payments.

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7.8 /10
Based on 18810 reviews
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#7 of 10 decreasing term life insurers
  • 18810 reviews found on websites such as TrustPilot

Price Band

£ £ £ £ £

Good for

  • Maximum cover limit of £9.9m
  • One of the cheapest quotes for standard life insurance
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Quotes our team received

Life Insurance Pricing Image One

Details

Decreasing term cover quote for £150,000

Decreasing Term Quote

£8.52
Per Month

Second Medical Opinion

Yes

Claims Paid

98%
Life Insurance Pricing Image Two

Details

Includes £37,500 critical illness cover

With Critical Illness Cover

£24.94
Per Month

Second Medical Opinion

Yes

Claims Paid

98%
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Why choose Churchill life insurance?

Churchill life insurance policies are provided by AIG, an award-winning specialist. Churchill life insurance has a 5 Star rating by Defaqto, an independent researcher of financial products. Here are some reasons why you might want to take out a life insurance policy with Churchill:
 
  • Claims support fund – claim up to an additional £300 for any unexpected expenses that relate to the cause of the eligible claim, such as hospital car park charges and transport. 
  • Unlimited 24/7 access to a GP – all policyholders have access to Smart Health Services for free, providing you and your family with unlimited 24/7 access to health and wellbeing experts, including GP appointments over the phone.
  • Flexible length of cover – choose a policy term that suits you, between 3 and 50 years. Although the policy must end when the policyholder reaches their 86th birthday. 
  • Support for children – Churchill works with Winston’s Wish to provide bereavement support and guidance to children that lose a parent or sibling. 
  • Fixed monthly payments – your monthly costs will stay the same if you don’t make changes to your policy. 
  • £10,000 advance payment – receive a payment of up to £10,000 if your claim has been agreed but delayed due to legal requirements or other checks. 
  • Optional critical illness cover – choose to add Critical 3 to your policy for an additional cost. Critical 3 pays out a lump sum of money if you are diagnosed with one of three specified critical illnesses and survive for 14 days after. The illnesses covered include cancer (excludes less advanced cases), heart attacks of specified severity and strokes of specified severity. 
  • Mortgage guarantee for decreasing policies – if you choose decreasing term life insurance and at the time of making a successful claim, the payout is less than the amount left on your mortgage, AIG will cover the remaining amount so that your mortgage is paid off. 

Frequently asked Questions

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Churchill offers two levels of cover; Long term and Decreasing term life insurance.

Yes, Churchill offers an over 50s life insurance policy that covers you until the end of your life without having to go through any medical assessments.

Churchill’s customer service team recommend calling them directly to discuss any pre-existing medical issues.

Yes, they offer single and joint policies.

You can take out critical illness cover for an additional fee. The sum of money will be paid as long as you survive for 14 days after your diagnosis.

Decreasing Term Life Insurance Guides

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