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Churchill Insurance was founded in 1989 as one of the UK’s first direct motor insurance companies. A year later, its portfolio expanded to include home insurance, and since then, the firm has added other types of coverage, including travel, pet, and life insurance.
As an insurance-focused company, Churchill has an extensive portfolio of life insurance policies to meet various clients needs. The main types go as follows:
As Churchill offers an array of life insurance options and add-ons, it’s always best to consult a professional to discuss the best option for you.
The company caters to clients over 50, with a whole of life coverage until you pass away. Applicants are also not required to undergo a medical examination to receive coverage. Churchill guarantees approval for anyone up to 85 years of age (or 81 if you’re a smoker).
Your beneficiary can use the payout to cover funeral costs, debt, mortgage payments, or living costs.
We compare plans from the leading life insurance providers
When taking out a life insurance policy, it’s good to know that your investment comes with some perks to sweeten the deal. Churchill offers a range, such as:
|Cover Options||Level and Decreasing term policies.|
|Cover Period||Between 3 to 50 years.|
|Critical Illness Cover||Available for an additional fee.|
|Maximum Applicant Age||Applications can be made up to 75 years of age.|
|Minimum Entry Age||17.|
|Whole of Life Policy||Not available for under 50s.|
|Joint Life Policy||Both single and joint-life policies are available.|
It’s also worth noting that the company doesn’t provide income protection insurance and that if you miss a payment, Churchill gives you up to 30 days to make the payment from when it was overdue.
Churchill Insurance allows you to make various changes to your policy, including:
An excellent way to compare insurance providers is to check the ratings attributed by reputable, third-party companies that weigh up the pros and cons of services.
The research and rating firm Fairer Finance awarded Churchill the following ratings:
The financial information and rating company Defaqto awarded Churchill a 3 Star Rating for its Life Insurance with optional Critical 3 cover. The company also received a 5 Star Rating for its Over 50s Life Plan.
The cost of taking out a policy with Churchill Insurance depends on a range of variables. Like most providers, the company will factor in your age, medical history, occupation, and smoking status. It also depends on what type of coverage you want. Here’s an example quote:
A single-life, level-term insurance policy with a coverage of £150,000 over 25 years for a non-smoking 30 year old will cost around £8 per month. This figure does not include any optional critical illness cover or a joint-life policy.
The same application for a decreasing life insurance policy will cost around £6.80 per month.
The premium will go up if you are older, smoke, or are in a dangerous job. To get a definitive quote, get in touch with the provider and discuss your options.
Churchill Insurance offers a range of benefits that could make it the ideal provider. Here, we provide an overview of its services to hopefully help you decide whether Churchill is the right company for you.
As evidenced by this list, Churchill Insurance offers some great perks to its customers. Perhaps one of the downsides is that critical illness cover will cost you extra and that Churchill doesn’t have a countrywide network of physical branches. If you’re not confident with using online services, you might find it challenging to navigate their extensive website.
On the other hand, if you prefer to handle things online, you’ll benefit from Churchill’s operational method. You’re able to take out a policy, make changes and get professional help over the phone or through the company’s website.
The best way to ensure you’re getting the best policy for you is to get various quotes and compare prices and policies. Prices can differ massively between companies, so make sure to look for a good deal.
|Critical illness (decreasing)||Life Insurance||3|
|Critical illness (level term)||Life Insurance With Optional Critical 3||3|
|Critical illness (direct with life cover)||Life Insurance With Optional Critical 3||4|
|Life assurance (direct)||Life Insurance With Optional Critical 3||5|
|Life assurance (decreasing)||Life Insurance||3|
|Life assurance (level term)||Life Insurance With Optional Critical 3||3|
|Over 50s life assurance||Over Fifties Life Plan||5|
|Defaqto ratings were reviewed on 01/10/2023|