Choose the cover you want
As the name suggests, level term cover provides a level amount of protection over the term of the policy.
If you selected £100,000 of protection at the start of the policy for 25 years, you would be covered for this amount until the policy ended 25 years later.
Decreasing term could provide you with the cover amount you need right now, then gradually decreases as the policy ages.
If you select £100,000 of protection at the start of the policy for 25 years, gradually this will reduce to £0 by the end of the policy 25 years later.
Count on us to care
- Free simple will writing service*
- Free legal advice*
- Accidental Death Benefit
- Loved ones email service*
- Put your policy in Trust*
- We ensure a search of the death records is carried out to make sure no valid claims are left unpaid
Add critical illness cover
You can also choose to add Critical Illness Cover to your Life Insurance.
If you choose to add critical illness cover to your policy the sum assured is a fixed amount which won't decrease over time. We only cover the critical illnesses we define in our policy.Find out more
Expert rated cover
Our product features and benefits have been independently rated by the experts at Defaqto.
Key policy details
Before you get a quote, read these documents to make sure this insurance is right for you
Fancy a chat?
If you would prefer to speak to someone, please give us a call.
Call us on
0800 294 7575
We're here from 8am to 8pm Monday to Friday, 9am to 5pm on Saturdays.
|03 numbers||Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.|
|084 numbers||Maximum of 7p per minute, plus your phone company's access charge.|
|087 numbers||Maximum of 13p per minute, plus your phone company's access charge.|
|0800 numbers||Free from UK landlines and personal mobile phones.|
Calls may be monitored or recorded.
How much cover do I need?
View our helpful guide to see which policy might be best for you.
How to make a claim
If you need to make a claim, here's everything you need to know.
Accidental death benefit
Short term cover when we cannot provide an immediate decision on your application.
Questions and answers
View our most frequently asked questions about life insurance.
Concerned about covid? We’re here to help.
*Based on a 30 year old who has never smoked. £200,000 decreasing term cover is possible for under £6 per month for 20 years. Price as of August 2021.
Virgin Money Life Insurance is promoted by CYB Intermediaries Limited and arranged and administered by BISL Limited. CYB Intermediaries Limited - registered in England and Wales (company no. 04056283). Registered office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. BISL Limited - registered in England and Wales (company no. 3231094). Registered office - Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CYB Intermediaries Limited are authorised and regulated by the Financial Conduct Authority.