Post Office life insurance review

If you've been searching for a life insurance policy that will give you peace of mind, the Post Office is worth considering.

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Post Office
Customer rating
Satisfaction survey
Reliable and trusted brand, according to customers
Claims process can be complicated by multiple suppliers
People get life insurance for many different reasons. Some can’t get a mortgage without life cover in place. Others sign up for it when they’re either expecting a baby or have just welcomed a little one into the world and want to ensure their family will be provided for even in the event of their death.

There is no right or wrong reason for deciding to take out life insurance. There is comfort in knowing that your loved ones will benefit from an income when you’re gone and any debts left behind will be covered.

The Post Office offers several life insurance policies and we’ve analysed what you get from each one to help you decide if it could be the right provider for you.

The insurance surgery is a UK insurance broker offering insurance comparison & free advice. The insurance surgery is authorised and regulated by the Financial Conduct Authority (reg no. 501109).

Who is the Post Office?

The Post Office has over 370 years of service in the UK. It offers more than 170 products and services to customers every day and has more than 11,500 branches nationwide. The Post Office is a widely trusted brand.

What are my cover options with Post Office life insurance?

At the Post Office, you choose from three different policies: Life Insurance, Over 50s Life Insurance and Free Parent Life Cover.

The policy you would choose depends on your personal circumstances as well as on which policy you qualify for.

What is covered under my policy?

Cover TypeCoverBenefit
Life InsuranceCover for your family, home and income in the event of your deathUp to £500,000
Over 50s Life InsuranceHelp towards your funeral costs or leave a gift behind for your loved onesUp to £10,000
Free Parent Life CoverIf you have children under four years of age, you can take out cover for a year for freeUp to £15,000 for each child under the age of 4

What is my excess?

An excess is the agreed amount that you will need to pay out of your own pocket in the event of a claim before the provider would pay out.

However, excess does not apply when it comes to life insurance. Instead, you will pay an agreed monthly premium up until your death.

What is the claims process for Post Office life insurance?

There are two claim numbers, based on when you purchased the policy.

For policies purchased after 31 January 2017, you’ll need to contact
  • The Royal London Mutual Insurance Society Ltd

Phone: 0345 266 1483
Lines are open: 8am – 7pm, Monday – Friday & 9am – 5pm, Sat
Closed: Christmas Day, Boxing Day, New Year’s Day, Good Friday, Easter Sunday

For policies purchased prior to 31 January 2017, the contact details are
  • Aviva Life & Pensions UK Limited

Phone: 0800 015 1142
Lines are open: 8:30am – 5:30pm, Monday – Friday
Closed: Saturday, Sunday and bank holidays

Pros and cons for Post Office life insurance


  • Post Office is a trusted household brand
  • Tailor your policy to your financial preferences
  • If you’ve got children under the age of four, you and your partner can take out a free policy for a whole year.


  • When it comes to making a claim, you’ll need to know when the policyholder initially took out their policy in order to ensure that you contact the correct provider.

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 798 customers carried out in December 2020.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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