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Sainsburys life insurance
  • £150,000 cover for £5.74 per month.*
  • You can add critical illness cover.
  • Select single or joint cover.
  • Compare plans from leading insurers.

Life insurance pays out a lump sum of cash upon your death, so that your loved ones can carry on their lives, without added financial burden.

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Sainsburys Life Cover

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Sainsburys Life Insurance

Various Types of Life Cover

There are various types of life insurance policy available. Standard life insurance, critical illness, mortgage cover, single or joint policies over various years. Request a call back from our advisors if you'd like some help.

Sainsburys Life Insurance UK

Protect Family Finances

It's a daunting thought, but with daily expenses and increasing costs in living, it is vital that you secure the future of those you love. Life Insurance will provide a lump sum to help with the mortgage and other household bills.

Why Buy Life Insurance?

It's a daunting thought, but with daily expenses and increasing costs in living, it is vital that you secure the future of those you love - and this is exactly what Life Insurance is for.

Life Insurance provides financial protection to your loved ones in the event of your death. No one likes to think about dying, which is why many of us either delay or fail to take out a policy when the time is right.

Without life insurance, the income you once provided for your family goes with you when you die. This could leave your family in a financial crisis at a time when they already have so much to cope with.

What length of life insurance policy should I choose?

Most people usually take out life insurance that lasts until some key date in the future. It could be when they intend to retire, when their mortgage is paid off, or when they feel their children may leave home.

Should I get a joint life or single life insurance policy?

Joint life insurance policies are available, but advisers will typically recommend two single life insurance policies as they usually cost hardly any extra and will provide double cover. (This means that if both people die together, both policies pay out, rather than just one joint policy).

Policies that include critical illness cover are almost certainly better split into two separate life insurance plans. For example, if one person is diagnosed with an illness like cancer, their partner will not want their insurance to be lost, which would be the case on a joint life, first claim policy.

Critical Illness Cover

If you are looking for a life insurance policy, then you might also want to consider adding critical illness cover. It’s a very popular option. Sadly, at least one in five men and one in six women will suffer from a serious medical condition at some stage in their lives.

How does critical illness insurance work?

Critical illness cover provides a lump-sum payment should you become seriously ill with a condition covered by your policy. Cover can be added to a life insurance or mortgage protection policy.

Most critical illness policies cover at least seven major medical conditions including cancer, heart attack, multiple sclerosis, stroke, major organ transplants and kidney failure.

The benefit is tax free and can be used to replace your income, help pay off your mortgage, help you cope with bills and living expenses and let you concentrate on getting better.

Mortgage Protection Insurance

If you have a partner, loved ones or dependents who rely on your income, and the house you live in is covered by a mortgage, then making plans as to how it will be paid in the event of your death is crucial. The solution to this problem is mortgage protection insurance.

Mortgage protection insurance, also known as mortgage life insurance and decreasing term life insurance, is designed to repay the outstanding balance of a standard repayment mortgage if you were to die during the period of cover. This means your family won't have to worry about continuing to pay the mortgage following your death.

What is the difference between decreasing term and level term life assurance?

Decreasing term life assurance is the cheapest form of life assurance. As time passes, and your mortgage debt reduces, the payout on death also reduces leaving your dependants with the money to pay the rest of the mortgage. Level term cover, which tends to be more expensive, pays out a set lump sum during the mortgage term.

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Sainsburys Life Insurance Info

Sainsbury's Bank plc, trading as Sainsbury's Bank is a British bank wholly owned by Sainsbury's, a national supermarket chain in the United Kingdom.

Sainsbury's was the first major supermarket to open a bank in the UK.

Sainsburys bank began trading on 19 February 1997 as a joint venture between J Sainsbury plc and Bank of Scotland. Sainsbury's took full ownership of the bank in January 2014.

Sainsburys bank's head office is at 3 Lochside Avenue, Edinburgh EH12 9DJ, and it runs operations from various locations across the UK. In 2017 it had over 1.8 million active customers.

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Sainsbury's History

Sainsbury's and Bank of Scotland (later a subsidiary of Lloyds Banking Group) formed the bank as a joint venture, and it received a full banking licence from the Bank of England in January 1997. It launched on 19 February 1997.

On 8 May 2013, Sainsbury's announced it would buy the 50% share in the business owned by Lloyds Banking Group. The transfer was completed on 31 January 2014, and Sainsbury's Bank became a wholly owned subsidiary of J Sainsbury plc

Sainsbury's Services

Sainsbury's Bank offer an award-winning range of financial products with attractive rewards for Sainsbury's shoppers. This includes credit cards, savings and loans, travel money and car, home, pet, travel and life insurance which they provide online and by telephone.

Sainsbury's Bank have travel money bureaux at various Sainsbury's supermarkets across the UK and a large ATM estate.

Sainsburys Life Insurance Offer

Sainsburys life insurance is provided by Legal & General

What’s covered?

You can decide how long you want the policy to run and how much cover you need

You can choose between a single or joint policy

If your circumstances change, then you may be able to make changes to your policy. Terms & Conditions apply.

If your application is not accepted straight away, Accidental death Benefit is automatically included for no extra cost while your application is processed. Terms & Conditions apply.

Terminal Illness Cover (with a life expectancy of less than 12 months) is automatically included at no extra cost on policies with a term of at least 2 years.

Add Sainsburys Critical Illness Cover

If you suffer a critical illness, it can often have a significant impact on your life. You may have to reduce your working hours, stop work completely or there might be lifestyle changes to make or modifications to your home.

All of these can have a serious effect on your finances. Critical Illness Cover can be added for an extra cost, when taking out a Life Insurance policy.

Accidental Death Benefit

Serious accidents are an unfortunate and unexpected fact of life. Sometimes when you apply for life insurance an immediate decision cannot be given. That’s why Accidental Death Benefit is included with your life insurance policy, at no extra cost. The cover will last for 90 days or until your application is accepted, postponed or declined or you give notification that you no longer with to proceed, whichever is earliest. The maximum payment would be the amount of cover you applied for (across all applications) or £300,000, whichever is lower.

Sainsburys Level Term Life Insurance

With Sainsbury's Level Term Life Insurance, the amount of cover you have remains the same during the length of the policy. It could be used to help protect the family's lifestyle and everyday living expenses or help to protect a mortgage (interest only).

Sainsburys Decreasing Term Life Insurance

Sainsbury's Decreasing Term Life Insurance is designed to help protect a repayment mortgage, so the amount of cover reduces roughly in line with the way a repayment mortgage decreases.

Add Sainsbury's Critical Illness Cover

Critical Illness Cover is an optional extra that can be added for an additional cost when taking out life insurance. This cover could help ease the financial strain if you become critically ill. For more information on the conditions covered, read the guide to Critical Illness Cover.

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