Beagle Street life insurance review 2026
A look at Beagle Street’s life insurance policies, included benefits, claims record and independent ratings.
- Trustpilot
- 4.5 / 5
- 4,734 reviews
- Defaqto
- 5 out of 5 stars
- Direct life assurance
- Claims paid
- 99.5%
- Underwriter’s protection claims, 2025
- Entry age
- 18–77
- Direct life cover, 5–40 year terms
In a nutshell
Beagle Street is a dedicated life insurance brand founded in 2012 and part of the mutual OneFamily Group since 2022. It sells fixed-term life cover with optional critical illness cover.
- Sells level and decreasing term life insurance as single or joint policies, with terminal illness cover included free.
- Critical illness cover can be added to a life policy, but you can’t buy it on its own.
- Policies are provided by Family Assurance Friendly Society Limited, a friendly society that also trades as OneFamily.
- Direct life cover is for ages 18 to 77 (18 to 64 with critical illness), over 5 to 40 years, for up to £750,000 depending on age. Through financial advisers, Life Protection runs for up to 50 years with up to £1,000,000 of cover, depending on age.
- Beagle Street promises your premiums won’t increase unless you ask to change your policy.
- Beagle Street lists an estate planning kit, accidental death benefit (short-term cover while an application is assessed) and an early funeral payout of up to £5,000 as included with every policy.
- Its underwriter paid out 99.5% of all protection claims in 2025.
- Rated 4.5 out of 5 on Trustpilot from 4,734 reviews, and 3 to 5 stars by Defaqto depending on the policy and category.
Who are Beagle Street?
Beagle Street is a trading name of Family Assurance Friendly Society Limited, a friendly society registered under the Friendly Societies Act 1992, with its registered office in Brighton. The society provides Beagle Street’s life and critical illness policies, and it also trades as OneFamily.
- Life insurer
- Family Assurance Friendly Society Limited
- Friendly society number
- 939F
- FCA / PRA firm reference
- 110067
- Registered office
- 16-17 West Street, Brighton, BN1 2RL
- Part of
- OneFamily Group (a mutual)
- Families protected (Beagle Street’s figure)
- Over 311,000
Beagle Street was founded in 2012 and was part of BGL Insurance before its sale. OneFamily, a mutual owned by its members, announced in October 2022 that it would buy Beagle Street, which joined the OneFamily Group that year.
For quotes obtained before 31 August 2023, Beagle Street was a trading name of BGL Direct Life Limited. It sold term and critical illness cover provided by Scottish Friendly, and over 50s cover provided by Covea Life Limited. Those Scottish Friendly term policies are now administered by OneFamily Advice Limited, and the Covea policies by Covea Life Limited. For quotes from 1 September 2023, Family Assurance Friendly Society Limited is the provider.
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1975
Family Assurance Friendly Society begins
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2004
Family Assurance is renamed Family Investments
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2012
Beagle Street launched, in a partnership between Scottish Friendly and BGL Group
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2022
OneFamily acquires Beagle Street
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2023
Family Assurance Friendly Society Limited becomes the provider for new quotes
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2026
Adviser range launched; merger with Scottish Friendly proposed
In February 2026, the boards of OneFamily and Scottish Friendly announced proposals to merge. The merger is expected to take effect in early 2027, subject to regulatory approval. The enlarged group will keep the Scottish Friendly, OneFamily and Beagle Street brands.
Beagle Street sells policies online, by phone and through price comparison sites. In June 2026, it also launched a separate range called Life Protection through financial advisers.
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Beagle Street life insurance ratings and reviews
Customers rate Beagle Street 4.5 out of 5 on Trustpilot, while Defaqto scores its policies between 3 and 5 stars. Trustpilot notes that Beagle Street hasn’t invited customers to review recently, so its reviews may not be representative.
| Review site | Rating | What it means |
|---|---|---|
| Trustpilot | 4.5 / 5 · Excellent | Based on 4,734 reviews, with 64 in the last 12 months. 85% of reviewers gave 5 stars and 4% gave 1 star. View on Trustpilot (opens in a new tab) |
| Smart Money People | 4.46 / 5 · Good | Based on 18 product reviews. The profile is shown as an unverified business. View on Smart Money People (opens in a new tab) |
| Defaqto | 3–5 stars | Defaqto rates each product from 1 to 5 stars. Beagle Street’s products score between 3 and 5 stars, depending on the policy and category. View on Defaqto (opens in a new tab) |
| Fairer Finance | 86.16% | A customer experience score for life insurance, reviewed Spring 2026, which put Beagle Street 2nd of the providers Fairer Finance reviewed. It scored 96.95% for claims, 96.3% for complaints performance and 65.24% for transparency. View on Fairer Finance (opens in a new tab) |
Defaqto ratings for each Beagle Street policy
Defaqto rates two Beagle Street ranges from 1 to 5 stars: Life Insurance With Critical Illness (sold direct) and Life Protection With Critical Illness (sold through financial advisers).
| Policy | Range | Defaqto rating |
|---|---|---|
| Life assurance (level term) | Life Protection With Critical Illness | 5 out of 5 stars |
| Life assurance (level term) | Life Insurance With Critical Illness | 3 out of 5 stars |
| Life assurance (decreasing) | Life Protection With Critical Illness | 5 out of 5 stars |
| Life assurance (decreasing) | Life Insurance With Critical Illness | 3 out of 5 stars |
| Life assurance (direct) | Life Insurance With Critical Illness | 5 out of 5 stars |
| Critical illness (direct with life cover) | Life Insurance With Critical Illness | 4 out of 5 stars |
| Critical illness (level term) | Life Insurance With Critical Illness | 3 out of 5 stars |
| Critical illness (level term) | Life Protection With Critical Illness | 3 out of 5 stars |
| Critical illness (decreasing) | Life Insurance With Critical Illness | 3 out of 5 stars |
| Critical illness (decreasing) | Life Protection With Critical Illness | 3 out of 5 stars |
Ratings checked on 24 September 2026 and may have changed since. Defaqto ratings: defaqto.com (opens in a new tab)
Beagle Street also won the life insurance provider category at the YourMoney.com Personal Finance Awards 2026 for the fourth year in a row. Shortlisted firms were rated by consumers on service quality, the buying experience and overall satisfaction.
What does Beagle Street life insurance cover?
Beagle Street life insurance pays a lump sum if you die during the policy term. It also pays out early if you’re diagnosed with a terminal illness and expected to live less than 12 months. Cover stops when a claim is paid or the policy reaches its end date.
You can take out a single policy for yourself or a joint policy covering you and another person. A joint policy pays out once, and if it isn’t in trust, a valid death claim goes to the surviving policyholder.
You decide how much cover you need and how long the policy should last. Your family could use the payout towards:
- Mortgage or rent payments
- Household bills and everyday living costs
- Childcare, school or university costs
- Outstanding loans and credit cards
- Funeral costs
Beagle Street sells its direct policies without financial advice. Its phone team can’t advise on how much cover suits you or which policy to buy.
Beagle Street life insurance policy options
Beagle Street sells fixed-term life insurance, which pays out if you die or are diagnosed with a terminal illness during the term. You can choose level or decreasing cover and add critical illness cover, with direct terms from 5 to 40 years.
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Level termThe payout stays the same throughout the term.
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Decreasing termThe payout reduces over the term, in line with a debt such as a mortgage.
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Life & critical illnessAlso pays out if you’re diagnosed with a covered critical illness.
Level term life insurance
With level term cover, the sum assured (the amount paid out) stays the same for the whole policy. People often use it to protect family living costs or an interest-only mortgage where the debt doesn’t go down.
You can take out Beagle Street’s direct Life Insurance aged 18 to 77 for 5 to 40 years. Cover must end before the oldest person covered turns 90, and the sum assured can be up to £750,000, depending on age.
Decreasing term life insurance
With decreasing term cover, the payout reduces over the term, roughly in line with a repayment mortgage. Because the cover amount falls over time, premiums are usually lower than for level term cover with the same starting amount.
Beagle Street also calls this mortgage term life insurance. Its direct decreasing cover is modelled on a 6% interest rate, so if your mortgage rate is above 6%, the payout might not clear the remaining debt.
Life insurance with critical illness cover
You can only buy Beagle Street’s critical illness cover with life insurance, not on its own. It covers conditions including cancer (excluding less advanced cases) and heart attack or stroke of specified severity. You must live for 10 days after diagnosis before a claim can be accepted.
Bought direct, there are two ways to add it. Life Insurance with Critical Illness pays the sum assured once on death, terminal illness or critical illness. Additional Critical Illness is a separate policy alongside Life Insurance, so your life cover continues after a critical illness claim if you keep paying premiums.
For both options, you can apply aged 18 to 64 for up to £300,000 of cover, depending on age. Cover must stop before the oldest person covered turns 80, and it complies with the ABI Guide to Minimum Standards for Critical Illness Cover.
Joint life insurance
A joint policy covers two people and pays out once. Beagle Street says a joint policy is typically cheaper than two single policies, though only one claim can be made. Terminal illness cover applies to both people, but once it pays out the policy ends and the other person needs a new policy to stay covered.
Beagle Street policies through financial advisers
In June 2026, Beagle Street launched Life Protection and Life Protection with Critical Illness through financial advisers. Life Protection runs for 5 to 50 years with up to £1,000,000 of cover, depending on age, on a level, decreasing or increasing basis.
On decreasing cover, you choose the rate it decreases by, any whole number from 3% to 10%. Increasing cover rises each year with the Retail Price Index (by no more than 10% in any year), and monthly payments rise by 1.5% for each 1% increase in cover. Beagle Street says Life Protection with Critical Illness covers 23 conditions, including cancer, heart attack, stroke and multiple sclerosis.
Optional extras include waiver of premium for ages 18 to 54 (it pays your premiums if illness or injury stops you working for at least 6 months) and, with critical illness cover, total permanent disability cover. Guaranteed increase options let you raise cover after certain life events before the oldest person covered turns 55, up to £150,000 in total. A joint policy can also be split into two single policies after divorce, dissolution or separation.
Beagle Street direct policies vs the adviser range
Beagle Street sells Life Insurance direct and Life Protection through financial advisers, each with optional critical illness cover:
| Feature | Direct | Adviser range |
|---|---|---|
| Level or decreasing cover | Included | Included |
| Increasing cover | Not available | Included |
| Longest term (life cover) | 40 years | 50 years |
| Maximum life cover | £750,000 | £1,000,000 |
| Maximum cover with critical illness | £300,000 | £500,000 |
| Terminal illness cover | Included | Included |
| Waiver of premium | Not available | Optional |
| Total permanent disability | Not available | Optional, with critical illness |
| Guaranteed increase options | Not available | Before age 55 |
| Change cover or term after the start | Website says no (new or top-up policy) | Can reduce |
Details checked 24 September 2026.
Beagle Street direct life insurance at a glance
These are the main limits for Beagle Street’s direct policies. The age of the oldest person covered may reduce the maximum cover offered.
| Limit | Level term | Decreasing term | Life & critical illness |
|---|---|---|---|
| Age when you apply | 18–77 | 18–77 | 18–64 |
| Cover must stop before | 90th birthday | 90th birthday | 80th birthday |
| Policy term | 5–40 years | 5–40 years | 5–40 years |
| Maximum cover | £750,000 | £750,000 | £300,000 |
| Single or joint | Both | Both | Both |
| Terminal illness cover | Included | Included | Included |
Limits checked 24 September 2026.
What affects the cost of Beagle Street life insurance?
Your price depends on your circumstances and the cover you choose. Beagle Street lists these factors:
- Your age
- Your health and lifestyle
- Your job
- Whether you have ever smoked
- How much cover you want
- The type of cover you choose
- Any optional benefits
- How long you want cover for
- Any medical information from your doctor
Beagle Street advertises £200k of cover for less than £6 a month, based on a 30-year-old non-smoker taking £200k of decreasing term cover over 20 years.
Premiums are paid monthly by direct debit on the day of the month you choose. Beagle Street promises they won’t increase with age or health changes unless you ask to change your policy. Premiums can still change if your application details were incomplete or inaccurate, or after an Additional Critical Illness claim.
In general, cover costs less the younger and healthier you are when you apply, and decreasing term costs less than level term. Adding critical illness cover increases the premium.
Beagle Street life insurance benefits & extras
Beagle Street lists an estate planning kit, accidental death benefit and an early funeral payout as included with every policy, and terminal illness cover comes free with its life policies. Its adviser pages say all its policies also include access to Reframe Cancer and the Clinic in a Pocket GP app:
| Benefit | What it does | Available with |
|---|---|---|
| Terminal illness cover | Pays out early if you’re diagnosed with a terminal illness and expected to live less than 12 months. It won’t pay if there’s a known cure or Beagle Street’s medical officer expects you to live longer than 12 months. | Available with: All Life Insurance and Life Insurance with Critical Illness policies |
| Accidental death benefit | Free short-term cover while you wait for an application decision, if Beagle Street can’t give one straight away. It pays up to £100,000 (or the cover applied for, if lower) and ends when a decision is made. It covers accidental death only, not death from a pre-existing medical condition or suicide, and other exclusions apply, such as dangerous sports. | Available with: Life insurance applications that don’t get a decision straight away |
| Early funeral payout | If a payout is delayed by probate, Beagle Street can advance up to £5,000 of an approved life claim towards funeral costs. | Available with: Every policy |
| Free simple will | A simple will through a regional partner, leaving your estate to up to six beneficiaries without trusts or tax planning. Joint policyholders get one simple will or a joint mirror will. Beagle Street can recover the full cost if you cancel within six months of taking up the offer. | Available with: Policyholders whose policy is active and paid up to date |
| Free legal advice | An hour of free legal advice from Lyons Davidson Solicitors, which you can split over several calls. | Available with: Customers with an active Life Insurance policy who live in the UK |
| Companions service | A dedicated personal nurse, managed by RedArc, for long-term practical advice and emotional support throughout a claim. | Available with: During a claim, and for your loved ones afterwards |
| Reframe Cancer | Nurse-led cancer support, carer support and a free screening risk assessment for six common cancers (breast, bowel, cervical, skin, prostate and lung). Any tests it arranges do cost money. The service isn’t part of the policy terms and can be changed or withdrawn without notice. | Available with: Listed for all policies on Beagle Street’s adviser pages |
| Clinic in a Pocket | A Square Health app with 24/7 access to UK-based GPs for you and your partner, plus appointments for children up to 23 in full-time education. It isn’t part of the policy terms and can be changed or withdrawn without notice. | Available with: Listed for all policyholders on Beagle Street’s adviser pages |
Beagle Street describes the funeral pledge, estate planning kit and RedArc support as non-contractual benefits.
With critical illness cover on a direct policy, you can also add this optional extra:
| Optional extra | What it does |
|---|---|
| Children’s critical illness | Pays the lower of 25% of your sum assured or £25,000 if your child is diagnosed with a covered critical illness between 10 days old and their 18th birthday. It covers all your children (one claim per child) and stops if a critical illness claim is paid for you. |
Writing a Beagle Street policy in trust
Beagle Street offers a free trust tool so a payout can be made without going through probate (the legal process of dealing with an estate). Writing your policy in trust may also keep the cover outside your estate for inheritance tax. Beagle Street says beneficiaries can usually receive the payout within a few days of claim approval.
For direct customers, Beagle Street says it currently only lets single life policies be written in trust, as its Life Policy Trust form isn’t suitable for joint policyholders. A separate Discretionary Survivor’s Trust form for joint policyholders is published on Beagle Street’s adviser website.
- You can add up to four trustees, who must be 18 or over.
- A policy can only be written in trust once, though you can amend the trust to add, change or remove trustees or beneficiaries.
- If the policy includes critical illness cover, critical or terminal illness payouts are still paid directly to you.
- A policy assigned as security on a loan, such as a mortgage, can’t be put in trust.
- The trust form asks you to send Beagle Street a copy by post or to trusts@beaglestreet.com, and gives 0800 247 247 as a contact number.
Read how trusts work, and what other insurers offer, in our guide to life insurance in trust.
Beagle Street free gift offers
Note: Free gifts are offered by select brokers only, our life insurance brokers do not offer free gifts.
Beagle Street offers an e-gift card worth up to £100, plus a free beagle soft toy, when you buy a policy directly through Beagle Street. The card’s value depends on your monthly premium:
- Under £10 a month
- £25 e-gift card
- £10–£19.99 a month
- £50 e-gift card
- £20–£29.99 a month
- £75 e-gift card
- £30 a month or more
- £100 e-gift card
- You must hold the policy for six months and pay all six premiums in full when due. Beagle Street emails you within 30 days of the sixth monthly payment, and you then have 90 days to claim the card.
- Choices include Amazon.co.uk, Marks and Spencer, a pre-paid Mastercard, Love2shop, Tesco, John Lewis and Morrisons.
- The soft toy is usually sent within 60 days of the second premium being paid, with up to two per household.
- A joint policy gets one e-gift card.
- Applications through third parties, affiliates, comparison or cashback websites aren’t eligible, and neither are quotes retrieved from them.
Beagle Street also has a refer-a-friend scheme where both you and a friend can get a £25 e-gift card when they buy online through your referral link. It can be used together with the main gift card offer.
The offer terms were amended as of 1 August 2023, and Beagle Street can change or withdraw the offer at any time.
See other insurers’ offers and their conditions in our guides to life insurance with a free gift and over 50 life insurance with a free gift.
Does Beagle Street pay out?
Yes. Beagle Street’s underwriter, Family Assurance Friendly Society Limited, paid 99.5% of all protection claims in 2025. That figure covers all of the society’s protection claims, not Beagle Street life insurance on its own:
- Protection claims paid in 2025
- 99.5%
- Protection claims paid in 2024
- 99.8%
- Paid out in claims
- £158m+
Source: Beagle Street website, checked 24 September 2026. The percentages are for all protection claims paid by Family Assurance Friendly Society Limited.
Beagle Street says it will pay a life insurance claim as long as the application questions were answered honestly and accurately. A claim may be declined if important information about your medical history, lifestyle, hazardous pursuits or occupation wasn’t disclosed when applying.
Beagle Street searches official death records so no claim goes unseen, and its claims handlers complete bespoke bereavement training. It holds PDG Claims Charter status and signed up to the PDG Funeral Payment Pledge in December 2024.
How to make a Beagle Street life insurance claim
You can make a claim by calling Beagle Street’s free claims line on 0800 072 9831, by emailing claims@beaglestreet.com or by post. Within 48 hours of being told about a life claim, Beagle Street sends a claim form and an Access to Health Records form, and updates you every two weeks.
On a joint policy, a verified life claim is paid to the surviving policyholder. For a single policy not in trust, the next of kin may need a Grant of Probate (or Confirmation in Scotland). Once a claim is approved, up to £5,000 can be released early towards funeral costs.
Beagle Street gives three payment times. Its claims page says a validated claim is paid within 2 to 3 working days of approval, once all checks are complete. Its life claim guide says within 5 working days once the claim is verified and all paperwork is in, and its June 2026 adviser launch announcement says within three working days of receiving the required evidence.
Critical illness payouts go into the bank account held on the policy. Beagle Street also covers the cost of any doctor or specialist report it requests for a critical or terminal illness claim.
- Claims phone (free)
- 0800 072 9831
- Opening hours
- Mon–Fri 9am–5:30pm (Wed from 9:30am)
- Claims email
- claims@beaglestreet.com
- Customer team
- 0800 048 0480
Key policy terms
These are the main rules and exclusions on Beagle Street’s direct policies. Always check the policy terms and conditions for the exact product you’re offered.
| Term | Beagle Street direct policies |
|---|---|
| Cooling-off period | 30 days from the policy start date, with a refund of premiums paid |
| Cancelling later | No refund of payments after the first 30 days, and no fee to cancel |
| Suicide exclusion | No death claim paid in the first 12 months for suicide, intentional and serious self-injury, or where Beagle Street reasonably believes you took your own life |
| Terminal illness | Claim if life expectancy is less than 12 months |
| Write in trust | Yes, with a free trust tool (single life policies) |
| Health and doctor checks | You answer questions about your health, lifestyle, family history, height and weight. Beagle Street may ask your doctor for information during the application, as a post-sale check after offering cover, after the policy starts or at claim |
| Changing cover | Beagle Street says the cover amount and term can’t be changed once a direct policy starts. Its team can help you set up a new policy or add one to top up your cover |
| Missed premiums | Cover ends if missed premiums aren’t paid by the end of the grace period |
| Cash-in value | None at any time |
| Residency | You must be a permanent UK resident (not including the Channel Islands or the Isle of Man) |
| Tax | Generally paid free of UK income tax and capital gains tax, but may be subject to inheritance tax. A claim may not be if the policy is written in trust |
Is Beagle Street life insurance good?
Beagle Street offers straightforward fixed-term life cover, with premiums it promises won’t rise with age or health changes. Its underwriter paid 99.5% of protection claims in 2025, and customer ratings are positive, with 4.5 out of 5 on Trustpilot. Extras include terminal illness cover, accidental death cover while you wait for a decision, a free simple will and an early funeral payout.
The main drawbacks are on the direct range: Beagle Street says you can’t change your cover amount or term once the policy starts, and only single life policies can be written in trust. Extras like waiver of premium and increasing cover are only sold through financial advisers, and critical illness cover isn’t sold on its own.
Pros
- Premiums won’t rise with age or changes to your health
- Terminal illness cover included at no extra cost
- Free accidental death cover while an application is assessed
- Free simple will and an hour of free legal advice
- Early funeral payout of up to £5,000 if probate delays a claim
- Free trust tool so payouts can bypass probate
- Rated 4.5 out of 5 on Trustpilot from 4,734 reviews
Cons
- Critical illness cover is only available with life cover
- On direct policies, Beagle Street says the cover amount and term can’t be changed after the policy starts
- Waiver of premium and increasing cover only through advisers
- Direct trust form is for single life policies only
- Claims figure covers all protection claims, not life claims alone
- Gift card offer not available through comparison or cashback sites
- Policies have no cash-in value
Beagle Street life insurance policy documents
Before you take out a policy, it’s worth reading the policy summary and terms and conditions for the exact product you’re offered. These official Beagle Street documents are a good place to start:
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Life Insurance and Critical Illness Cover policy summary (opens in a new tab)
The main features, limits and exclusions of Beagle Street’s direct policies (document 31589 003, 04.2026).
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Life Cover & Critical Illness Cover terms and conditions (opens in a new tab)
The full terms of the direct policies, including definitions, benefits and exclusions (document 31590 002, 04.2025).
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Life Policy Trust form (opens in a new tab)
The trust form for single policyholders. It is not suitable for joint policyholders.
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Life Claim Fact Sheet (opens in a new tab)
How a life claim works, what Beagle Street needs and when it pays.
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Critical Illness Claim Fact Sheet (opens in a new tab)
How a critical illness claim works and what Beagle Street needs from you.
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Life Protection and Critical Illness policy summary (opens in a new tab)
The main features and limits of the adviser range (document 32116 002, 04.2026).
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Life Protection and Critical Illness terms and conditions (opens in a new tab)
The full terms of the adviser range (document 32117 002, 04.2026).
Documents are published by Beagle Street and open on its websites. Beagle Street may update them, and the version you receive with your policy is the one that applies.
Beagle Street life insurance FAQs
You can apply for Beagle Street’s direct life cover aged 18 to 77, or 18 to 64 with critical illness cover. Cover must stop before the oldest person covered turns 90, or 80 with critical illness cover.
Yes. Beagle Street’s underwriter, Family Assurance Friendly Society Limited, paid out 99.5% of all protection claims in 2025 and 99.8% in 2024. Beagle Street says it has paid out over £158m in claims.
Beagle Street policies are provided and underwritten by Family Assurance Friendly Society Limited, which also trades as OneFamily.
Policies from quotes obtained before 31 August 2023 were sold by BGL Direct Life Limited. Its term and critical illness cover was provided by Scottish Friendly, and those term policies are now administered by OneFamily Advice Limited.
When you apply for cover you will be asked questions about your health and lifestyle, and based on this and the amount of cover requested, the insurer will decide if a medical is required or not.
Beagle Street asks about your health, lifestyle and family history, plus your height and weight to work out your BMI. It may also ask your doctor for information during your application, after offering cover as a post-sale check, after the policy starts or if you make a claim.
Yes. Beagle Street offers a free trust tool so a policy can pay out without going through probate. Direct customers can currently only put single life policies in trust, but a Discretionary Survivor’s Trust form for joint policyholders is published on its adviser website.
No, it’s only available alongside life cover. Bought direct, you can get up to £300,000 of critical illness cover (depending on age) either combined with life cover or as a separate Additional Critical Illness policy. Through financial advisers, Life Protection with Critical Illness offers up to £500,000, depending on age.
On a direct policy, Beagle Street says the cover amount and term can’t be changed after the policy starts. Instead, its team can help you cancel and set up a new policy, or add a second policy to top up your cover. You can choose your monthly direct debit date, and there’s no fee to change or cancel.
On the adviser range, you can reduce the sum assured or term mid-policy. Where guaranteed increase options are shown on your policy schedule, they let you raise cover after certain life events before the oldest person covered turns 55.
Yes, and there’s no fee to cancel. Cancel within 30 days of the start date and you get a full refund of the premiums paid. After 30 days, payments aren’t refunded. To cancel, call 0800 247 247.
Not in the first year. Beagle Street won’t pay a death claim in the first 12 months for suicide, intentional and serious self-injury, or where it reasonably believes you took your own life. It won’t pay for any exclusion listed on your policy schedule either.
If you're struggling or thinking about suicide, our guide to suicide and life insurance lists where to get support straight away.
No. Beagle Street’s current policies are for a fixed term of 5 to 40 years direct, or up to 50 years through financial advisers. Its adviser-range documents say people who need cover for the whole of their lives, not for a fixed term, are less likely to need its policies.
Up to 31 August 2023, BGL Direct Life Limited (which then traded as Beagle Street) did sell over 50s life cover provided by Covea Life Limited. Those existing policies are still administered by Covea Life Limited.
Sources
The facts on this page come from these sources.
- Wikimedia Commons — Wikimedia Commons: Family Investments Building, West Street, Brighton (November 2011).JPG (opens in a new tab), commons.wikimedia.org, accessed 24 September 2026.
- OneFamily — OneFamily (parent group) about us and history timeline (opens in a new tab), onefamily.com, accessed 24 September 2026.
- Beagle Street — Life insurance (level and decreasing term, single and joint) (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Why Beagle Street (about Beagle Street) (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Press release: Beagle Street launches into the intermediary market (19 June 2026) (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Press release: Beagle Street named Best Life Insurance Provider for fourth year running (March 2026) (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Life Insurance and Critical Illness Cover policy summary (31589 003 04.2026) (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Critical illness cover (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Life Cover & Critical Illness Cover policy terms and conditions (31590 002 04.2025) (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Terminal illness cover (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Beagle Street — Fair value assessment (32225 002 11.2025) (opens in a new tab), beaglestreetadviser.com, accessed 24 September 2026.
- Beagle Street — Life Protection and Critical Illness policy summary (32116 002 04.2026) (opens in a new tab), beaglestreetadviser.com, accessed 24 September 2026.
- OneFamily — OneFamily regulatory information: Family Assurance Friendly Society Limited, trading names and pre-September 2023 Beagle Street policies (opens in a new tab), onefamily.com, accessed 24 September 2026.
- Beagle Street — What is accidental death benefit (ADB)? (opens in a new tab), beaglestreet.com, accessed 24 September 2026.
- Trustpilot — Trustpilot: Beagle Street (beaglestreet.com) company reviews (opens in a new tab), uk.trustpilot.com, accessed 24 September 2026.
- Defaqto — Defaqto Star Ratings (Life & Protection) for Beagle Street (opens in a new tab), defaqto.com, accessed 24 September 2026.
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Related pages
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Best life insurance
What to compare when you choose a policy.
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Term life insurance
Cover for a set number of years, with level or decreasing cover.
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Decreasing term life insurance
The payout falls over the term, often in line with a mortgage.
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Joint life insurance
One policy for two people, compared with two single policies.
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Critical illness cover
A lump sum on diagnosis of a serious illness your policy covers.
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Life insurance in trust
How a trust works and how it can affect the payout.
