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Why choose John Lewis Life Cover?

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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.

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

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Early payment - receive payment if you’re diagnosed with a terminal illness before the cover ends, where death is expected within 12 months.

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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 requires you to make monthly payments. The cost of your cover will depend on your individual needs and circumstances and cover period and amount and any options you choose.

It's important to remember that the buying power of any money paid out will reduce with inflation, so you need to make sure that you take out sufficient life cover and regularly review your arrangements with us.

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 cash sum that stays the same throughout the cover period unless you increase or extend your cover.

Pays a cash sum, the level of which reduces each month in line with the capital outstanding on a repayment mortgage with an interest rate of 10% a year. Premiums will stay the same throughout the cover period.

  • Decreasing Term Cover

Pays a lump 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 fixed 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.

* Please be aware that although we can talk through the different options with you, we can't give you financial advice. A professional financial adviser can help you decide whether a life cover plan is suitable for you. You may have to pay for this advice.


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.