Before you get a Life Insurance quote.
It’s important to check the cover you’ll get with Tesco Life Insurance. And the information Aviva, our life insurance provider, needs from you.
Tesco Life Insurance is provided, administered and underwritten by Aviva Life & Pensions UK Limited.
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 oldBe aged between 18 and 77 years old
- Answer all the questions accurately and honestlyAnswer 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 abroadThink 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.
What Aviva need you to tell them
- 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)
- 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 policyWhether 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 birthYour personal details, such as your name, email address and date of birth
- If you smokeIf 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.
Get your Life Insurance quote
If you’ve checked everything, and you’ve got all the information Aviva need, you’re ready to get your Life Insurance quote. You’ll get your quote from Aviva, who provide and manage the policy.
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.
Cancelling or changing your policy
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
When you get a quote, we'll search our records for your Tesco Clubcard number. We may also access and use information (including transactional information, name and address) from your Tesco Clubcard account.
This’ll help us and your insurer to assess your premium, and it’ll only be used to make a positive impact on your premium.
How we collect and use your data
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.