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Why choose John Lewis Life Cover?


Cover when it's needed most - pays out a cash sum should you die or if you are diagnosed with a terminal illness before your cover ends.


Know how much you're paying each month - depending on the type of cover or options you choose, your premiums are guaranteed to stay the same as you get older, unless you increase or extend your cover.


Cover to suit your needs - you choose how long you’d like cover for and the amount your family or partner would need.


We’ll help you all the way through the claims process - with a dedicated claims handler.

John Lewis Life Cover is provided by Friends Life and Pensions Limited.

Please read the Key Facts and Membership Handbook for full details of the cover. The Membership Handbook is also commonly known as 'policy conditions' or 'terms and conditions'.

A John Lewis Life Cover Plan doesn't have a cash-in value and if you stop paying premiums before the end of the cover term, the plan stops and you won't receive anything back.

It's important to remember that the buying power of any money paid out will reduce with inflation and changing your cover will change the cost of the plan.

* Please remember, as we can't offer you advice, you will need to decide if Life Cover is suitable for you. If you're not sure, a financial advisor can help you decide.

Any questions?
Please call us on
0800 916 6840*

What type of Life Cover do you need?

It’s simple to get the protection you need with John Lewis Life Cover. We offer the following covers:

Pays a one-off cash sum, the level of which stays the same throughout the cover period.

Pays a one-off cash sum the level of which reduces each month in line with the capital outstanding on a repayment mortgage with an interest rate of 8% a year. Premiums will stay the same throughout the cover period.

  • Decreasing Term Cover

Pays a one-off cash sum, the level of which decreases each month at an equal rate throughout the cover period. Premiums will stay the same throughout the cover period.

  • Family Income Benefit Cover

The cash sum is paid in annual installments for each year remaining in the cover period after a claim is accepted.

  • Renewable Term Cover

Pays a one-off cash sum, where your cover is renewed every five or ten years. This will either increase or decrease what you pay based on current premium rates and your age, without the need for further medical evidence. Terms and conditions apply which may change at renewal.

You can apply for any of the cover options to cover just you, you and another person, or one or two people not including you.


All our policies are designed to look after you right from the beginning. As soon as your cover starts, you could benefit from these additional features.

  • 24/7 medical advice with Bupa HealthLine: If you have our Life Cover policy and have any questions about your health, you can call the Bupa HealthLine. Their team of qualified and experienced nurses are ready to answer your call at a time that’s convenient for you.
  • Expert Second Opinion by Best Doctors®: If you’re diagnosed with a serious illness, we can help provide you with peace of mind by referring your case to a world-class medical expert.
  • Optional Fracture Cover: To help you cope with a fracture and the inconvenience that comes with it, you can claim a lump sum of up to £2,100 during any 12 month period for just £2.00 a month extra. This is providing that you suffer one of the fractures specified in your policy document.
  • Optional Premium Waiver: If an illness or injury prevents you from working for over three months, we’ll waive your premiums until you’re well enough to work again, or until your cover ends. Premium waiver is available at an additional cost.

Second Opinion and Bupa HealthLine are non-contractual benefits that may be withdrawn at any time without notice. Bupa HealthLine is provided by or through subsidiary companies of the Bupa Group.

Best Doctors is a registered trademark of Best Doctors, Inc. in the United States and other countries. Used with permission.


Friend's Life and John Lewis Insurance

We have carefully selected Friends Life and Pensions Limited to provide John Lewis Life Cover.

Terms, conditions, limitations, exclusions and eligibility criteria apply.

John Lewis Life Cover is provided by Friends Life and Pensions Limited - please read Important information (PDF). Once your policy begins you may receive documents and correspondence from Friends Life. These will always be relevant to your application or policy and will never be unsolicited.