Barclays life insurance

Barclays Life Insurance

Cover for the people you care about the most

Make sure that your family has financial protection should the worst happen, with Barclays Life Insurance provided by our partner Aviva. Not just covered, Barclaycovered.

  • Provides a lump sum on death
  • Premiums stay the same throughout the policy term and start from £6
  • Apply online
  • How it works

    The policy provides a cash lump sum if you die during the term of the policy.

    • Premiums start at £6 and stay the same throughout the policy term
    • Cover is available up to £500,000 depending on monthly premiums and your personal circumstances
    • Cover is for a fixed amount which stays the same throughout the term you select
    • Cover is available for individuals only. We don’t offer joint cover
    • Get a quick quote online in under 2 minutes

    This policy will not pay out on diagnosis of a terminal illness, only if you die during the policy term. This product is only available to UK residents aged 18-68, and your cover must end before your 70th birthday.

    Further terms, conditions and exclusions apply – make sure you read our insurance guide 220 KB1 so you know what's covered and what's not.

    The BSI Kitemark™ provides assurance of easy to understand and transparent financial products2

  • Choose your cover

    Choose your cover in 2 steps

    Step 1 – Choose the term that’s right for you

    From 1 to 51 years to match your needs and depending on your circumstances.

    Step 2 – Pick the amount of coverage you need

    You can choose the monthly payment you can afford to pay or you can choose the amount of cover you would like.

  • What you need to know

    Key exclusions

    This product is only available to UK residents aged 18-68. Cover must end before your 70th birthday.

    When the plan will not pay out

    If you die as a result of intentional self-inflicted injury or suicide within the first 12 months of taking out your policy.

    What if I stop paying?

    If you cancel your plan or stop paying your premiums during the term, your cover will end after 30 days from the date the last premium was due and you will not be covered. The plan has no cash-in value.

    Can I make changes to my policy?

    • You’ll be able to make some changes to your policy. You can change how long you’d like your cover to last and the amount of cover you’ve got
    • Depending on the type of change you’d like to make, we might have to change or replace your original policy, or you might have to take out a new policy. We might also need you to provide us with some medical information
    • It’s important that you review your cover regularly to make sure that it’s adequate as your circumstances change over time

    Further terms, conditions and exclusions apply – make sure you read our insurance guide1 so you know what's covered and what's not.

Life cover calculator

How much life cover might I need?

Our calculator gives you an idea of how much life cover you should consider based on the information you supply.

It's only a general guide to help you identify areas and isn't an actual quotation or advice. You should make your own decisions about the terms and level of cover.
You should only include your contribution to the family income, as the calculation is based on 1 person.

For help in contacting an independent financial adviser, you can visit unbiased.co.uk

How it works

First, select the categories that apply to you and complete the relevant information. If you don't feel something applies to you, you don't need to include it. Then select 'Next' to complete the section.

If you leave any section blank, that's fine but it will not be included in the final result.

Once you've provided the relevant information, 3 figures will be displayed. The first is the amount of cover based on your input – it may be needed to provide your contributions to family/day-to-day living. The second is the amount to cover mortgages and debt. The third figure is a total based on the sum of the first two amounts. If at any point you are in doubt about your needs, you should contact an independent financial advisor –
for help finding one, go to unbiased.co.uk.

What do you require cover for?

The estimate for your family/day-to-day living is based on your monthly estimates multiplied by 12 (for an annual figure), multiplied by the number of years you selected. You can change the number of years to get a different estimate if you want. Any existing cover you include will be subtracted from this figure.

Mortgages and debts

If you want to leave a lump sum to help pay off your mortgage, please input the amount outstanding. If you're renting, don't include it in this category as there is a section for it in the Day-to-day living category.

Press 'Next' to submit your totals or 'Back' to start again.

Providing for your family

Simply enter the monthly amounts you expect to pay for future education, childcare and child maintenance costs.

For education, consider the cost of any school or university fees, school material and trips.

For childcare and maintenance costs, dont forget the cost of child minders and nurseries, as well as after school and breakfast clubs.

Press 'Next' to submit your totals or 'Back' to start again.

Day to day living

Just enter the amounts you anticipate spending each month on day-to-day living expenses like clothing, food, bills (including insurance), leisure, activities, holidays and travel costs. It's important to think about all the everyday costs you are responsible for.

Press 'Next' to submit your totals or 'Back' to start again.

Consider any existing cover

If you want to leave a lump sum to help pay off your mortgage, please input the amount outstanding. If you're renting, don't include it in this category as there is a section for it in the Day-to-day living category.

Press 'Next' to submit your totals or 'Back' to start again.

Select the term of cover

If you want to leave a lump sum to help pay off your mortgage, please input the amount outstanding. If you're renting, don't include it in this category as there is a section for it in the Day-to-day living category.

Press 'Next' to submit your totals or 'Back' to start again.

How it works

Remember, this is intended as a guide and isn't meant as advice. It's based on 1 person, so only covers your contribution to the family income and is based on the information you provided.

The maximum amount of cover with a Barclays Life Insurance from Aviva policy is £500,000.

Your calculation results

Based on what you've just told us about the different areas of your life, here's the amount of cover you may wish to consider for the next 20 years:

Providing for your family/day-to-day living

£0

Mortgages & debts

£0

Total

£0

Recalculate if you wish, to amend the number of years or any other details.

Level term cover

Get a quote

  • Provides a fixed lump sum, which stays the same throughout the term
  • The lump sum is ideal for covering things like living expenses, mortgage payments, bills or childcare
  • The policy will only pay out once within the agreed term and the cover will end. Terms and conditions apply