Why is life insurance worth having today
Life insurance isn't just for the future. Find out how it can support you from day one, and what to consider when choosing cover.
Published: 9 July 2026
Tesco benefits you get from day one
When you take out Tesco Life Insurance, you get more than just long-term cover. You also receive benefits you can enjoy right now, helping with everyday costs and making the decision to get covered feel even more worthwhile.
Welcome gift when you take out a policy
When you take out Tesco Life Insurance, you’ll receive a welcome gift as a thank you for choosing us. It’s a simple way to enjoy something extra from your cover. T&Cs apply.
Little Life Helps coupons
You’ll also receive Tesco money off coupons each quarter in your Clubcard app as part of our Little Life Helps. These can be used towards your regular shopping, helping stretch your budget even further. Clubcard app required. T&Cs apply.
Clubcard member discount
If you’re a Clubcard member, you’ll receive a lower premium for Tesco Life Insurance. It’s a simple way to help keep your cover affordable from the start, while protecting the people who matter most.
Wellbeing support you can use immediately
Alongside your Tesco benefits, your policy also gives you access to a range of wellbeing services provided by Aviva through the DigiCare+ app. These are designed to support your everyday health and wellbeing from day one.
These wellbeing services are extras that come with your cover today. They’re designed to give you additional support, but they may change over time.
These services currently include:
24/7 digital GP appointments
Unlimited online GP consultations for you and your family, available any time of day or night.
Mental health support
Up to 8 sessions a year with a qualified therapist to help support emotional wellbeing.
Nutrition consultations
Up to 8 video sessions a year with a trained nutritionist for personalised healthy eating guidance.
Personal training support
Up to 8 online personal training consultations each year, helping you build fitness with tailored support.
Second medical opinion service
An independent expert opinion on a diagnosis or treatment plan, providing additional reassurance when you need it.
Bereavement support
Practical and emotional help for adults and children following the loss of a loved one.
Legal and practical services
Guidance on topics such as funeral support, discounted legal services and will writing support.
Annual health check
A convenient at home health check (available for a small charge) that looks at a range of health markers including cholesterol, liver and kidney function and diabetes risk.
24/7 nurse helpline
Access to qualified nurses for everyday health questions, day or night. These everyday wellbeing services mean you can benefit from your policy even if you never need to make a life insurance claim.
Taking something off your mind today
Many people delay buying life insurance because they feel they don’t need it yet. But having a policy in place can offer peace of mind straight away:
- You know your partner, children or other loved ones would receive financial support if something were to happen to youYou know your partner, children or other loved ones would receive financial support if something were to happen to you
- You avoid the risk of paying higher monthly premiums if you wait until later in lifeYou avoid the risk of paying higher monthly premiums if you wait until later in life
- You can choose to put your policy into a trust if you want the payout to reach loved ones quickly You can choose to put your policy into a trust if you want the payout to reach loved ones quickly. Find out more about putting your policy in a trust with our guide - Life insurance in a trust
- You can name beneficiaries today, helping avoid claim delays in the futureYou can name beneficiaries today, helping avoid claim delays in the future
Even though the payout is there to help the people you care about long term, the reassurance starts as soon as your policy begins.
Extra support
Tesco Life Insurance gives you not just financial protection, but also practical tools and services that can help make life a little easier. From your Tesco gift card and shopping coupons to the wellbeing services available through the Aviva app, your policy offers value you can use right away — not just in the future.
So, why is life insurance worth having today?
Because with Tesco Life Insurance, you don’t have to wait years to see the value. You can:
- Start saving money on your shoppingStart saving money on your shopping
- Use wellbeing services that support your everyday healthUse wellbeing services that support your everyday health
- Access practical guidance when you need itAccess practical guidance when you need it
- Feel reassured that your family is protectedFeel reassured that your family is protected
- Receive benefits while staying in control of your budgetReceive benefits while staying in control of your budget
Life insurance is still there for life’s “what ifs”, but with Tesco, it also helps you feel supported in the here and now.
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 access to health and wellbeing services with the Aviva DigiCare+ app, provided by Square Health and other selected partners.
Tesco Life Insurance is provided and administered by Aviva, who have a 5-star rating from Defaqto 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.
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 98.7% of life insurance claims*.
*Aviva UK individual claims report 2026, based on claims paid in 2025.
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+.