Life Insurance.
Help protect your loved ones if you can't be there for them. And if you're diagnosed with a critical illness, our Critical Illness plan can provide financial security as you recover.
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.
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 £5 millionCover of up to £5 million
- 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)
- Critical Illness cover (optional extra)Critical Illness cover (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 £5 millionCover of up to £5 million
- A policy term of 5 to 50 yearsA policy term of 5 to 50 years
- Critical Illness cover (optional extra)
Get ready for your quote
Please check the things below, and make sure you’re ready to continue.
If you’ve got any questions, our partners at Aviva will be happy to help.
Information about you
To apply for Tesco Life Insurance, you must:
- Be aged between 18 and 77 years old.Be aged between 18 and 77 years old.
- Answer all the questions accurately and honestly.Answer all the questions accurately and honestly.
- Be in the UK, with a legal right to live there.Be in the UK, with a legal right to live there.
- Think of your main home as the UK (not including the Channel Islands, the Isle of Man or Gibraltar) and have no plans to permanently live abroad.Think of your main home as the UK (not including the Channel Islands, the Isle of Man or Gibraltar) and have no plans to permanently live abroad.
- Be prepared to take a medical exam, if Aviva ask you to. Normally, you won’t need to, and they’ll pay for it if you do.Be prepared to take a medical exam, if Aviva ask you to. Normally, you won’t need to, and they’ll pay for it if you do.
- Whether you’d like Family Protection (level cover) or Mortgage Protection (decreasing cover).Whether you’d like Family Protection (level cover) or Mortgage Protection (decreasing cover).
- Whether you’d like Critical Illness cover.Whether you’d like Critical Illness cover.
- How much cover you needHow much cover you need
- How long you need the cover for (the policy term).How long you need the cover for (the policy term).
- Whether you want a single or joint policy.Whether you want a single or joint policy.
- Who you want to leave a lump sum to (your beneficiaries).Who you want to leave a lump sum to (your beneficiaries).
- Your personal details, such as your name, email address and date of birth.Your personal details, such as your name, email address and date of birth.
- If you smoke.If you smoke.
We use some specialist terms to talk about our Life Insurance. If you’re not sure what any of them mean, you can find out in our life insurance glossary.
For full cover details, please see the policy documents.
Information about you
To apply for Critical Illness as part of your Life Insurance application you must:
- Be aged between 18 and 64 years old.Be aged between 18 and 64 years old.
- Answer all the questions accurately and honestly.Answer all the questions accurately and honestly.
- Be in the UK, with a legal right to live there.Be in the UK, with a legal right to live there.
- Think of your main home as the UK (not including the Channel Islands, the Isle of Man or Gibraltar) and have no plans to permanently live abroad.Think of your main home as the UK (not including the Channel Islands, the Isle of Man or Gibraltar) and have no plans to permanently live abroad.
- Be prepared to take a medical exam, If Avia ask you to. Normally, you won’t need to, and they’ll pay for it if you do.Be prepared to take a medical exam, If Avia ask you to. Normally, you won’t need to, and they’ll pay for it if you do.
What is life insurance?
Life insurance is cover that pays out a cash lump sum if one of the following happens during the term of the policy:
- you dieyou die
- you’re diagnosed with a terminal illness and aren’t expected to live longer than 12 monthsyou’re diagnosed with a terminal illness and aren’t expected to live longer than 12 months
It’s designed to give your family some financial support after you’re gone. For example, by helping to pay off the mortgage or covering the cost of their living expenses.
You can learn more in our guide - What is life insurance?
How does life insurance work?
Tesco Life Insurance is term life insurance. That means it covers you for the length - or term - of the policy.
When you take out a policy, you decide:
- the type of cover you want: Family Protection or Mortgage Protectionthe type of cover you want: Family Protection or Mortgage Protection
- the amount of cover you needthe amount of cover you need
- how long you want cover for - from 5 to 50 years (the policy term). This depends on the policyholder's age at the beginning of the policyhow long you want cover for - from 5 to 50 years (the policy term). This depends on the policyholder's age at the beginning of the policy
You cover ends if there’s a payout or at the end of the policy term.
How much does life insurance cost?
The cost of life insurance usually depends on the type of policy you go for and the amount of cover you choose.
There are a few things your insurer will ask about you that can also affect the price. These include your: age, lifestyle, health, family medical history, job, and smoker status.
You can learn more in our guide - How much does life insurance cost?
Why do I need life insurance?
Life insurance can help to give your family some financial support if you’re no longer around to provide for them. Especially if they rely on you for money.
The payout from a life insurance policy can help to pay off a mortgage. It can also help with the cost of raising children, university fees and monthly bills.
You can learn more about the benefits in our guide - What are the benefits of life insurance?
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.
Tesco Critical Illness Insurance
If you decide to take out Tesco Critical Illness Insurance alongside your Life Insurance, then you are giving your family additional peace of mind if you are diagnosed with a critical illness.
Our Critical Illness plan pays out your full amount of cover if:
- You are diagnosed with one of our 52 listed conditions and survive more than 10 days.You are diagnosed with one of our 52 listed conditions and survive more than 10 days.
- Depending on the definition of the critical illness, we may pay on diagnosis only, when the condition has progressed to a specified severity or when treatments or surgeries are performed.Depending on the definition of the critical illness, we may pay on diagnosis only, when the condition has progressed to a specified severity or when treatments or surgeries are performed.
- You’re diagnosed with a terminal illness and aren’t expected to live longer than a year.You’re diagnosed with a terminal illness and aren’t expected to live longer than a year.
Our Critical Illness plan will also pay out:
- Up to £25,000, or 50% of the cover amount (whichever is lower) for one of our 11 additional critical illness benefit definitions.Up to £25,000, or 50% of the cover amount (whichever is lower) for one of our 11 additional critical illness benefit definitions.
- Up to £25,000, or 50% of the cover amount (whichever is lower), for children that are diagnosed with and meet one of either our full or additional critical illnesses. Children are not covered for terminal illness.Up to £25,000, or 50% of the cover amount (whichever is lower), for children that are diagnosed with and meet one of either our full or additional critical illnesses. Children are not covered for terminal illness.
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
- 98.7% payout rate on life insurance claims98.7% 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.
As well as your Tesco benefits, you’ll get health and wellbeing services with the Aviva DigiCare+ app, provided by Square Health and other selected partners.
This includes:
- unlimited Digital GP consultations - 24/7, 365 days a yearunlimited Digital GP consultations - 24/7, 365 days a year
- physical health supportphysical health support
- mental health supportmental health support
- nutrition advicenutrition advice
- bereavement supportbereavement support
- second medical opinion servicesecond medical opinion service
- an annual health check - with a follow-up clinician to discuss your results*an annual health check - with a follow-up clinician to discuss your results*
*The health check is a chargeable service.
Life Insurance at Clubcard Prices
Choose Tesco Life Insurance to provide financial support for your family and save money with your Clubcard.
What’s covered by Tesco Life Insurance?
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 £5 million 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.
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 £5 millionCover of up to £5 million
- 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
Critical Illness – level cover
With Critical Illness cover, you can take out a policy to worry less about your finances and focus on your health. Our Critical Illness cover is designed to pay out a lump sum if you are diagnosed with a critical or terminal illness covered by the policy during the policy term.
A payout could help your family cover living costs, medical bills and other expenses whilst you are unable to work. We will also cover your children by paying up to £25,000, or 50% of the cover amount (whichever is lower), for children that are diagnosed with a critical condition that meets with our definition.
If you take out our critical illness plan your premiums and cover stay the same throughout the term of your policy.
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 health and wellbeing services with the Aviva DigiCare+ app, provided by Square Health and other selected partners.
This includes:
- unlimited Digital GP consultations - 24/7, 365 days a yearunlimited Digital GP consultations - 24/7, 365 days a year
- physical health supportphysical health support
- mental health supportmental health support
- nutrition advicenutrition advice
- bereavement supportbereavement support
- second medical opinion servicesecond medical opinion service
- an annual health check - with a follow-up clinician to discuss your results*an annual health check - with a follow-up clinician to discuss your results*
Aviva Digicare+ is a non-contractual benefit that could be changed or withdrawn by Aviva at any time.
*The Health Check is a chargeable service
What's covered by Tesco Critical Illness Insurance?
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 Critical Illness Insurance is provided by Aviva, who will also manage your policy.
What’s covered
Important to know
What’s covered
Lump sum payment
Lump sum payout if you survive more than 10 days after being diagnosed with any of the critical illnesses listed in our policy definition. See policy documents for the list of 52 conditions.
Flexible length of cover
Your policy could last anywhere between 5 and 50 years - up to the age of 75.
Cover for your children
We’ll pay up to £25,000, or 50% of the cover amount (whichever is lower), for children diagnosed with critical illnesses (not terminal). It's valid from when they're 30 days to their 18th birthday (or 21st if they're in full time education). See policy documents for full conditions.
Changing from a joint policy to a single policy
If you separate from your partner after taking out a joint policy, Aviva could split your joint policy into 2 single policies.
Cover up to £1 million
To help you when you need it most.
Additional critical illness benefit
You can claim for some additional critical illnesses - and the policy won’t end if we pay a successful claim.
Important to know
If you’re diagnosed with a critical illness outside the policy term
You’re only covered during the policy term.
If you die
Your policy will end and we won’t pay out. This is also the case if you die within 10 days of diagnosis. If you have a joint policy and one person dies, the policy will still cover the other person.
This is not a savings or investment plan
We'll only pay out on a successful claim. As this is not a savings or investment plan, there is no cash-in value at any time. If you stop paying premiums when they're due or if you cancel the policy, your cover will end.
If you’re diagnosed with a critical illness not listed in our policy
You’re only covered for the conditions listed.
This policy ends if it pays out
The policy only pays out once, unless it’s a children’s claim or an additional critical illness claim.
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 98.7% 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 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.
Key policy documents
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
- To qualify for a £100 Tesco Gift card, you must have a current Tesco Life Insurance policy and have paid 6 months' premiums.To qualify for a £100 Tesco Gift card, you must have a current Tesco Life Insurance policy and have paid 6 months' premiums.
- We will aim to send the gift card via email within one month of us receiving your 6th monthly premium. Please allow time for delivery.We will aim to send the gift card via email within one month of us receiving your 6th monthly premium. Please allow time for delivery.
- We will only issue one gift card per current Tesco Life Insurance policy irrespective of the number of people covered under that policy.We will only issue one gift card per current Tesco Life Insurance policy irrespective of the number of people covered under that policy.
- We limit the number of Tesco Gift Cards you'll receive to one per person even if you hold multiple current Tesco Life Insurance policies with us.We limit the number of Tesco Gift Cards you'll receive to one per person even if you hold multiple current Tesco Life Insurance policies with us.
- 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 98.7% of life insurance claims*.
*Aviva UK individual claims report 2026, based on claims paid in 2025.
To check your cancellation rights, and the charges for changing or cancelling your policy, please see Aviva's insurance services and the cancellation section of the policy terms and conditions.
Your Tesco Clubcard data
We'll search our records for your Tesco Clubcard number. If you have a Clubcard, we may access and use information from it (including your name, address and details about your transactions). This'll help us, and your insurer, to assess your premium - but don't worry, it'll only be used to make a positive impact on your premium.
How we collect and use your data
Tesco Personal Finance Ltd takes the security of your data seriously. You can find detailed information about how we collect and process your data, and your rights under data protection law, in our Privacy Policy.
We collect data when you browse our website (for example, your IP address), request a quote, partially complete a quote, don't purchase a policy or provide data indirectly via a price comparison website. We keep quote data for up to 7 years and may use this information if you apply for one of our products again in the future.
We'll use your data to give you quotes, provide our services to you, carry out eligibility checks, work out insurance risk, manage debt, protect you and us against fraud and financial crime, and manage and develop our business. Automated decisions may be taken to detect crime.
We use data such as your name and address to find any Clubcards that are linked to your address. That might be your Clubcard, the Clubcard of other family members, or the Clubcard of house or flat mates. We may use this information to tailor our communications to you, and to try to bring you better terms, deals or offers, which may include profiling on an on-going basis. We may also award Clubcard points.
Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies (FPAs). The FPAs will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, this may be shared with other organisations and you could be refused certain services, finance or employment.
Tesco Life Insurance is arranged, administered and underwritten by Aviva Life & Pensions UK Limited. To find out how they process and share your data, see Aviva’s Privacy Policy.
By proceeding with your application you acknowledge that we can use your data in this way.
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.
Life insurance guides
Tesco Insurance will be paid commission from Aviva for any life insurance that you purchase, and this commission will be included in your premium.