Life insurance for young adults.
Learn more about life insurance for young adults. And find out what your options are with Tesco Life Insurance.
Published: 24 March 2026
Page contents
Why should I take out life insurance as a young adult?
Life insurance can help protect the people you care about, no matter what age you are.
Some young adults have family that rely on them financially. Or they might have a mortgage that their partner wouldn’t be able to pay on their own. According to our research, almost a third of UK adults say they would have to sell the family home if their partner died*.
Tesco Life Insurance helps give your loved ones some financial support after you’re gone. It pays out a cash lump sum if:
- you die during the length of the policy - known as the termyou die during the length of the policy - known as the term
- oror
- you’re diagnosed with a terminal illness and aren’t expected to live more than a yearyou’re diagnosed with a terminal illness and aren’t expected to live more than a year
Learn more about the basics of life insurance in our beginner’s guide - What is life insurance?
What age can I get life insurance?
Tesco Life Insurance, provided by Aviva, is available for young adults over the age of 18. You can choose how long you’d like the policy for, from 5 to 50 years.
If you have kids, a partner or dependents that rely on you, then you might want to think about taking out a life insurance policy. This can provide some peace of mind and financial assistance if you’re no longer around.
Is life insurance more expensive for young adults?
No, life insurance is usually cheaper the younger you are.
That’s because, as you age, there’s a higher risk of developing a medical condition that could affect how long you’re likely to live.
With Tesco Life Insurance, your premium also won’t change as you get older. That’s because it’s based on your health and lifestyle at the time you took out the policy for the duration of the term.
How much does life insurance cost as a young adult?
The amount you pay for life insurance usually depends on things like:
- the type of policy you choosethe type of policy you choose
- how much cover you wanthow much cover you want
- the length of the policy termthe length of the policy term
- information about you, such as age, lifestyle, health and occupation information about you, such as age, lifestyle, health and occupation
When applying for life insurance with Tesco Insurance, you’ll need to answer a few questions. It’s important to be as accurate and honest as possible to make sure your policy’s valid.
Learn more about the cost of life insurance in our guide - How much does life insurance cost?
How much cover do young adults need?
The amount of cover you need depends on your own individual circumstances. Before applying for life insurance, it helps to think about things like:
- do you have a mortgage?do you have a mortgage?
- do you have children?do you have children?
- do you have dependents?do you have dependents?
- are you married or in a civil partnership?are you married or in a civil partnership?
- do you have a partner who depends on your income?do you have a partner who depends on your income?
Learn more about getting the right amount of cover for you in our guide - How much life insurance do I need?
What kind of life insurance can I get at Tesco Insurance?
With Tesco Life Insurance, you can choose from 2 types of cover:
- Family Protection - also known as level cover. This lets you leave a lump sum to your loved ones if you can’t be there for them.Family Protection - also known as level cover. This lets you leave a lump sum to your loved ones if you can’t be there for them.
- Mortgage Protection - also known as decreasing cover. This can help to pay off a repayment mortgage after you’re gone.Mortgage Protection - also known as decreasing cover. This can help to pay off a repayment mortgage after you’re gone.
You can also choose whether to get a single policy on your own or a joint policy with a partner. Find out more about joint life insurance policies in our guide - Life insurance for couples.
Remember, Tesco Life Insurance has no cash-in value. If you cancel it or your payments stop, so does your cover. And you won’t get any money back. The policy only pays out once, and it ends after that.
Why get Tesco Life Insurance?
At Tesco Insurance, we want to help you with the things that matter most. That’s why Tesco Life Insurance comes with a Big Win and lots of Little Helps.
- Clubcard Prices – Get an exclusive discount on Tesco Life Insurance with your Clubcard.Clubcard Prices – Get an exclusive discount on Tesco Life Insurance with your Clubcard.
- Your Big Win - Get a welcome gift after you've paid 6 months' premiums. Available on policies with a 3‑year minimum term. T&Cs apply.Your Big Win - Get a welcome gift after you've paid 6 months' premiums. Available on policies with a 3‑year minimum term. T&Cs apply.
- Your Little Helps - Get a full year of coupons in your Tesco grocery app to help you shop at Tesco. Available on policies with a 3‑year minimum term, Clubcard app required and must be opted in to Tesco marketing. T&Cs apply.Your Little Helps - Get a full year of coupons in your Tesco grocery app to help you shop at Tesco. Available on policies with a 3‑year minimum term, Clubcard app required and must be opted in to Tesco marketing. T&Cs apply.
As well as your Tesco benefits, you’ll also get Aviva DigiCare+ - a health and wellbeing service from Aviva that includes unlimited Digital GP consultations and the Bupa Anytime HealthLine.
Tesco Life Insurance is provided and administered by Aviva, who have a 5-star Defaqto rating for life insurance and pay out on 98.8% of claims.
About our research
*All figures are taken from an online survey conducted by WALR on behalf of Tesco Insurance between 11 and 25 July 2025. The survey included a sample of 2,008 UK consumers under 55 years of age.
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).
About Bupa Anytime HealthLine
Bupa Anytime HealthLine is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London, EC2R 7HJ. Bupa Anytime HealthLine is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Aviva Digicare+ is provided by Square Health and other selected partners and is a non-contractual benefit that can be changed or withdrawn by Aviva at any time.
We do not provide personal recommendations to customers.
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.
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.
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.
Learn more about Life Insurance
Find the right cover to give financial support to your family after you’ve gone. Tesco Life Insurance comes with Clubcard Prices, some great Tesco shopping benefits and Aviva DigiCare+.