Life Insurance
Help to protect your loved ones in case you can't be there for them. Tesco Life Insurance is 5-star rated by Defaqto and comes with exclusive Tesco benefits.
Tesco benefits T&Cs apply.
Tesco Life Insurance is provided, administered and underwritten by Aviva Life & Pensions UK Limited.
Why choose Tesco Life Insurance?
Clubcard Prices
Cover from only £5 a month. And you'll get a discount with your Clubcard.
Learn more about Tesco Life Insurance
With Tesco Life Insurance, you can help to give your family some financial security in case you can’t be around to look after them.
You can choose Family Protection or Mortgage Protection. And it pays out during the term of the policy if:
- you dieyou die
or
- you're diagnosed with a terminal illness and aren't expected to live longer than a yearyou're diagnosed with a terminal illness and aren't expected to live longer than a year
A payout could help to replace your income if you have a family to support. It could also help to pay off your mortgage, clear your debts or send your children to university.
Bear in mind, life insurance isn't a savings or investment plan, and the policy has no cash-in value at any time.
You'll find full details about the payout in the policy booklet.
Provided by Aviva - helping families protect their finances
We’ve partnered with Aviva to bring you affordable and reliable life cover. They’re experts in life insurance and a provider you can trust.
- 5-star rated for life insurance by Defaqto5-star rated for life insurance by Defaqto
- 98.8% payout rate on life insurance claims*98.8% payout rate on life insurance claims*
- Market leaders in life insurance, with 325 years' experience in providing insuranceMarket leaders in life insurance, with 325 years' experience in providing insurance
Aviva provides the policy and they’ll manage it for you too.
Aviva DigiCare+
As well as your Tesco benefits, you’ll get complimentary health and wellbeing services with the Aviva DigiCare+ app, provided by Square Health and other selected partners.
This includes:
- an annual health check - with a follow-up GP appointment to discuss your resultsan annual health check - with a follow-up GP appointment to discuss your results
- second medical opinion servicesecond medical opinion service
- eating well adviceeating well advice
- mental health supportmental health support
- bereavement supportbereavement support
Choose the type of life insurance that meets your needs
Apply today and get a £100 Tesco Gift Card, a year of Tesco shopping benefits and Aviva DigiCare+. T&Cs apply.
Family Protection - Level Cover
Leave a lump sum to your loved ones if the worst happens. You can choose:
- A single or joint policyA single or joint policy
- Cover of up to £5millionCover of up to £5million
- A policy term of 5 to 50 yearsA policy term of 5 to 50 years
- To protect your policy from the effects of inflation (optional extra)To protect your policy from the effects of inflation (optional extra)
Mortgage Protection - Decreasing Cover
Arrange to pay off a repayment mortgage if you pass away. You can choose:
- A single or joint policyA single or joint policy
- Cover of up to £5millionCover of up to £5million
- A policy term of 5 to 50 yearsA policy term of 5 to 50 years
Life Insurance at Clubcard Prices
Choose Tesco Life Insurance to provide financial support for your family and save money with your Clubcard.
Tesco Life Insurance cover - options and additional benefits
Family Protection - level cover
With Family Protection, you can leave a lump sum to your loved ones if you die during the term of the policy. You can also make a claim if you become terminally ill and aren’t expected to live longer than 12 months.
A payout could help your family cover living costs and other expenses if you’re not around to support them. It could also help to pay off debts or help to send your children to university.
If you go for Family Protection, your premiums and cover stay the same throughout the term of your policy. It's also called level cover, and you can choose:
- A single or joint policyA single or joint policy
- Cover of up to £5millionCover of up to £5million
- A policy term of 5 years to 50 yearsA policy term of 5 years to 50 years
- To protect your policy from the effects of inflation (optional extra). This means increasing your cover - and your premiums - each year, in line with the Consumer Prices Index (CPI). It’s also known as increasing cover.To protect your policy from the effects of inflation (optional extra). This means increasing your cover - and your premiums - each year, in line with the Consumer Prices Index (CPI). It’s also known as increasing cover.
Mortgage Protection - Decreasing Cover
With Mortgage Protection, you can help your family pay off a repayment mortgage if you die during the term of the policy.
You'll pay the same premium each month, but your cover will gradually go down over time, just as a repayment mortgage does. It’s also known as Decreasing Cover, and you can choose:
- A single or joint policyA single or joint policy
- Cover of up to £5millionCover of up to £5million
- A policy term of 5 years to 50 yearsA policy term of 5 years to 50 years
Joint policies
You can take out a joint policy if you and your partner want combined cover. Be aware, though, that Aviva will only pay out once - if one of you dies during the term of the policy - and then your cover will end.
If you'd like cover to continue after one of you dies, you could take out 2 single policies. But this might be more expensive.
A Big Win and a year of Little Life Helps
With Tesco Life Insurance, you’ll get some great benefits from Tesco.
A Big Win
We’ll email your gift card to you after you’ve paid 6 months’ premiums with instructions on how to use it. You’ll need a current Tesco Life Insurance policy to be eligible. And it’s one gift card per policy.
Little Life Helps
Your coupons will appear automatically in your Tesco app after your policy starts. You’ll need to have the Tesco app on your phone and be opted in to marketing to get them.
Aviva DigiCare+ - health and wellbeing benefits
You’ll also get complimentary health and wellbeing services with the Aviva DigiCare+ app, provided by Square Health and other selected partners.
This includes:
- an annual health check - with a follow-up GP appointment to discuss your results second medical opinion servicean annual health check - with a follow-up GP appointment to discuss your results second medical opinion service
- second medical opinion servicesecond medical opinion service
- eating well adviceeating well advice
- mental health supportmental health support
- bereavement supportbereavement support
Aviva Digicare+ is a non-contractual benefit that could be changed or withdrawn by Aviva at any time.
What does Tesco Life Insurance cover?
Here’s what we cover, and what to bear in mind before you apply. To find out exactly what you’re covered for, it’s always best to check the policy documents.
Tesco Life Insurance is provided by Aviva, who will also manage your policy.
What’s covered
Important to know
What’s covered
Lump sum payment
You can choose cover of up to £5million and Aviva will pay out your chosen amount after a successful claim.
Protection if you die
Aviva will pay a cash lump sum if you die during the term of the policy. If they pay out, your policy ends, and they won’t pay any more claims.
Terminal illness
You’ll get your lump sum payment early if you’re diagnosed with a terminal illness, as defined in the policy terms and conditions, and you’re not expected to live longer than 12 months. If Aviva pay out, your policy ends, and they won’t pay any more claims.
A separation benefit
If you separate from your partner after taking out a joint policy, Aviva could split your joint policy into 2 single policies.
House purchase cover
If you’re taking out cover when buying a house, Aviva will give you free life insurance for up to 90 days. This begins when they’ve accepted your application and you’ve exchanged contracts or completed missives, as long as you’ve given them a future start date that ties in with the completion of your house purchase. Terms apply. See policy conditions for full details.
Important to know
Length of cover
You can choose the length of cover you need - from 5 to 50 years, or until you’re 90 years old.
Not paying your premiums
If you stop paying your premiums, your cover will end, and you won’t get anything back.
No cash-in value
Aviva will only pay out on a successful claim. Your Tesco Life Insurance policy doesn’t have a cash-in value at any time. There’s only one exception: if you cancel within 30 days of the policy start date or the date you get your policy documents, whichever is later. In that case, Aviva will refund any premium you've paid.
Suicide and self-inflicted injuries in the first year
Aviva won't pay out the lump sum if you die from suicide or intentional, self-inflicted injury in the first 12 months of the policy.
Get a Life Insurance quote
You’ll get your quote from Aviva, who provide and administer our Life Insurance policy. They have a 5-star rating for life insurance and pay out on 98.8% of claims*.
Important information
About Tesco Life Insurance
Tesco Life Insurance is arranged, administered and underwritten by Aviva Life & Pensions UK Limited.
Tesco Personal Finance Ltd acts as an introducer to Aviva Life & Pensions UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Member of the Association of British Insurers. Firm Reference Number 185896.
Aviva Life & Pensions UK Limited. Registered in England & Wales No. 3253947. Registered Office: Aviva, Wellington Row, York, YO90 1WR. Tesco Personal Finance Ltd and Aviva Life & Pensions UK Limited. are not part of the same corporate group.
About Tesco Insurance
Tesco Insurance is a trading name of Tesco Personal Finance Ltd, Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ (registered in Scotland, no SC173199) which is authorised and regulated by the Financial Conduct Authority (register no. 186022).
Aviva DigiCare+ app
With the Aviva DigiCare+ app, you can start using a range of health and wellbeing services, at no extra cost, when you take out your policy.
Members of your family can use it too, as long as they're eligible.
The Aviva DigiCare+ app is provided by Square Health. The services are provided by Square Health and other selected partners.
You'll find full details about the services in the app, along with the terms and conditions, residency restrictions and privacy policy.
Aviva DigiCare+ is a non-contractual benefit that could be changed or withdrawn by Aviva at any time. So, it won't appear in any contract you've signed, or in any terms and conditions.
Life Insurance policy booklets
Please check the policy documents to make sure the cover you’ve chosen meets your needs.
The policy booklet and product information documents tell you about the benefits, limitations and exclusions that’ll apply to your cover.
The Big Win - £100 Tesco Gift Card
Terms and conditions
- You’ll get a £100 Tesco Gift Card once you’ve paid 6 months’ premiums, if you have a current Tesco Life Insurance policy.You’ll get a £100 Tesco Gift Card once you’ve paid 6 months’ premiums, if you have a current Tesco Life Insurance policy.
- Customers are entitled to one Tesco Gift Card per policy.Customers are entitled to one Tesco Gift Card per policy.
- We'll send your Tesco Gift Card to the email address you used when applying for your Tesco Life Insurance policy.We'll send your Tesco Gift Card to the email address you used when applying for your Tesco Life Insurance policy.
- Tesco Gift Cards should be treated like cash. Lost or stolen cards can’t be replaced.Tesco Gift Cards should be treated like cash. Lost or stolen cards can’t be replaced.
- You'll get an e-gift card, which can be used in any UK Tesco store. Please note, your Tesco Gift Card can’t be used in Tesco Petrol Stations.You'll get an e-gift card, which can be used in any UK Tesco store. Please note, your Tesco Gift Card can’t be used in Tesco Petrol Stations.
- Tesco’s change of mind policy does not apply to gift cards. If you change your mind, you can’t return your Tesco Gift Card for a refund. Your legal rights are not affected.Tesco’s change of mind policy does not apply to gift cards. If you change your mind, you can’t return your Tesco Gift Card for a refund. Your legal rights are not affected.
- Your Tesco Gift Card and balance will expire five years after the date you activated your card, or the date you last used your card, whichever comes later.Your Tesco Gift Card and balance will expire five years after the date you activated your card, or the date you last used your card, whichever comes later.
- Damaged, altered or cancelled cards won’t be accepted as payment.Damaged, altered or cancelled cards won’t be accepted as payment.
- Your Tesco Gift Card can’t be used to buy another Tesco Gift Card, or to buy other gift cards sold in-store or online at tescogiftcards.com. Your Tesco Gift Card can’t be used to buy another Tesco Gift Card, or to buy other gift cards sold in-store or online at tescogiftcards.com.
- We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.
Little Life Helps - Tesco shopping benefits
Terms and conditions
- You’ll get money-off coupons to spend on your Tesco shopping for one year, starting from the date you get your first coupon.You’ll get money-off coupons to spend on your Tesco shopping for one year, starting from the date you get your first coupon.
- You’ll need to have the Tesco app on your mobile phone and be opted in to marketing.You’ll need to have the Tesco app on your mobile phone and be opted in to marketing.
- The coupons will appear automatically in your Tesco app.The coupons will appear automatically in your Tesco app.
- You'll get up to 5 Tesco coupons throughout the year, which could include £15 off your total shop and £5 off fruit & veg.You'll get up to 5 Tesco coupons throughout the year, which could include £15 off your total shop and £5 off fruit & veg.
- We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.
Tesco Life Insurance is provided, administered and underwritten by Aviva Life & Pensions UK Limited.
Aviva have a 5-star rating for life insurance from Defaqto. And they pay out on 98.8% of life insurance claims*.
*Aviva UK individual claims report 2025, based on claims paid in 2024.
Help for Life Insurance customers
If you’re already a Tesco Life Insurance customer, find out how to manage your policy, get in touch or make a claim.
Frequently asked questions
If you’ve got a mortgage, it might be a good idea to get life insurance. If you die during the term of the policy, the lump sum can help to pay off the outstanding balance on your mortgage, so your family can stay in their home. Some lenders strongly recommend taking out life insurance as part of their mortgage offer.
Mortgage Protection, also known as decreasing term life insurance, is built with mortgages in mind. And it’s one of the options with Tesco Life Insurance.
You can learn more about life insurance and mortgages in our guide - Do you need life insurance for a mortgage?
With Tesco Life Insurance, you can have more than one policy. However, if your total cover is high, Aviva, our life insurance provider, might need to do a more in-depth financial assessment to make sure they’re insuring you for the right amount.
There isn’t an average monthly cost. The price you pay for life insurance depends on: the type of policy, how much you’re covered for, the term of the policy, and the things your insurer will want to know about you, like your age and health.
Tesco Life Insurance starts from only £5 a month. And, whatever your monthly premium, you’ll get a discount with your Clubcard.
Getting life insurance cover to meet your needs depends on your own individual circumstances. For example, if:
- you’re married or have a partneryou’re married or have a partner
- you have childrenyou have children
- you’ve got a mortgageyou’ve got a mortgage
You can find out more about the different types of life insurance in our guide - Types of life insurance explained.
With Tesco Life Insurance, you can choose from 2 options: Family Protection (Level Cover) or Mortgage Protection (Decreasing Cover). And they’ll pay out if you die, or become terminally ill, during the term of the policy.
Family Protection, also called Level Cover, lets you leave a cash lump sum, which can help your loved one with living expenses if you’re no longer around to look after them.
Mortgage Protection, also known as Decreasing Cover, can help to pay off a mortgage, so your family can continue to live in their home after you’re gone. You can learn more about life insurance and mortgages in our guide - Do you need life insurance for a mortgage?
Get in touch
Need to talk to someone about Tesco Life Insurance? Our partners at Aviva will be happy to help.
Tesco Insurance will be paid commission from Aviva for any life insurance that you purchase, and this commission will be included in your premium.