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- Existing medical conditions covered
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- Feefo award winning service
Churchill, famous for its nodding bulldog adverts, offers a wide range of insurance products, including life, car, travel, pet and home insurance.
Churchill was established in 1989 and became part of the Royal Bank of Scotland Group after being acquired in 2003. Since 2012, it has been part of the Direct Line Group.
Churchill life insurance policies taken out between 1 January 2013 and 20 July 2019 are administered by L&G.
Policies taken out after 22 July 2019 are administered by AIG.
Churchill offers two types of life insurance:
Each type of life insurance is available in the following options:
Life insurance cover from Churchill includes the following elements:
To make a claim for critical illness and terminal illness, you can be living anywhere in the world (as long as your consultant is in an eligible country). For a death claim, you can be anywhere in the world.
A life insurance policy from Churchill does not include the following cover:
Your cover will become invalid if you fail to pay your premiums (you will be given 30 days to pay if you miss a payment).
Some exclusions apply to the mortgage guarantee and critical illness cover. Always read your policy documents carefully to make sure you know exactly what is and isn’t included.
You (or someone claiming on your behalf) should call one of the following numbers (depending on when the policy was taken out):
If your policy was taken out after 22 July 2019, call 03303 039986 (AIG).
Lines are open Monday-Thursday 8:30am-8pm and Fridays 8:30am-5:30pm (closed on bank holidays).
If your policy was taken out between 1 January 2013 and 19 July 2019, call 0800 137 101 (Legal & General).
Lines are open Monday-Friday 9am-5:30pm.
You can help make an unpleasant task go as smoothly as possible by having important information to hand, including the policy number and either medical reports from a doctor or an original death certificate, depending on what you’re claiming for.
You get an online account when you take out an insurance policy with Churchill and can take certain actions through it (like viewing your policies and saving, retrieving or creating new quotes).
However, the best way to make changes to your policy is to contact Churchill directly. You can do this by using the company’s virtual assistant service on its website.
You can also contact Churchill by phone:
If your policy was taken out after 22 July 2019, call 03303 900521 (AIG).
Lines are open Monday-Thursday 8:30am-8pm and Fridays 8:30am-5:30pm (closed on bank holidays).
If your policy was taken out between 1 January 2013 and 19 July 2019, call 0370 060 2040 (Legal & General).
Lines are open Monday-Friday 9am-5:30pm.
Online customer reviews are for Churchill as a company.
On Trustpilot, Churchill has 5 out of 5 stars and a rating of “Excellent”, based on more than 3,000 reviews.
Customers praise the ease of getting a quote and the great customer service, but a few complain of a convoluted claims process.
Churchill offers a couple of strong options for life insurance. The mortgage guarantee and unlimited 24/7 access to a GP are particularly strong benefits.
Additionally, should the worst happen, your children will have access to support through Winston’s Wish.
The downsides are that critical illness cover will cost you extra and that there is no handy app to manage your policy through. If either of those things is important to you, consider shopping around to find a deal with a different provider.
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