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Level Term Cover


Why choose John Lewis Life Cover?

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The cash sum can be used to cover your family’s expenses such as your mortgage, childcare fees and everyday living costs.

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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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Waive your premiums - if an illness or injury prevents you from working for over three months, for an additional cost we'll waive your premiums until you're well enough to work again or until your cover ends.

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

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

Any questions?
Please call us on
0800 916 6840*

What is Level Term Cover?

Level Term Cover (also known as level term assurance or level term insurance) pays out a cash sum which stays the same throughout the cover period, if you die or suffer a terminal illness before the end of the cover.

This could be used to compensate for the sudden loss of income and help with:

  • paying off a mortgage
  • paying bills
  • paying childcare costs
  • paying for other everyday living expenses.

By taking out John Lewis Life Cover, you could help ease your family's financial worries should you die or be diagnosed with a terminal illness.

If you only want to cover the cost of paying off a repayment mortgage, you may like to consider our Mortgage Protection Term Cover instead.

Other cover options are available. To find out more please call us on 0800 916 6840 or read the Key Facts (PDF).

A John Lewis Life Cover Plan doesn't have a cash-in value and if you stop paying 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 be aware, as we can't offer you financial advice, you will need to decide if Life Cover is suitable for you. If you're not sure, a financial adviser can help you decide.


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.