About Military Life Insurance


MOD-endorsed military life insurance

An essential MOD approved life insurance policy designed for men and women in the armed forces. 


Dedicated military life insurance team

Specialist military customer team here to help you from 9am to 5pm on Monday to Friday.


Optional family cover

You can choose to extend the cover to your family so you don’t need to take out a separate policy.

Direct Debit

Spread the cost

You can pay for your policy by spreading the cost over monthly direct debit instalments.

Features of Military Personal Accident Insurance

Standard cover

Covers more conditions than other military life insurers

Life and serious illness covers more conditions than policies from other insurers.

Cover against illness and death

Valuable protection against the financial impact of illness or death whether you are single, married or have a family.

Military life cover for serving and former personnel

Whether you are serving or if you are retired military personnel, there are life and serious illness cover options for you to choose from. Cover is available for a large number of different medical conditions and give you the option to insure your children on the policy too.

Life cover when on military deployment

This military life insurance is MOD-endorsed, and provides cover while you are at war and where there’s a high risk of terrorism.

Military Life Insurance FAQs


What is military life insurance and what does it cover?


Armed forces life insurance can offer you various levels of cover and you can cover yourself or your family, whether you serve in the Army, RAF, Marines or another part of the military. These military insurance products have been developed for those with an understanding of what military life is like.


Do I need military life insurance?


These policies are constructed specifically for military personnel with your job roles and situations in mind. We offer military personnel the comfort of knowing that they will have the support of a knowledgeable adviser to arrange their insurance.


How much does military life insurance cost?


This military life insurance policy offers different cover levels, therefore it's difficult to give an average cost. However, with a range of cover levels and benefits, military insurance advisers can talk you through the options available.


Where can I find full details of my policy?


We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.


What happens if I leave the military?


This product is designed for those currently serving in Her Majesty’s Forces. If you do leave the military, please let the team now know and if you still require personal accident cover in your day-to-day civilian life there is an alternative product offering.


What is the maximum age limit covered by military life insurance?


Cover cannot be offered to anyone aged over 60 years old at the start of the insurance.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01243 621 356 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim