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Level Term Cover

Why choose John Lewis Life Cover?


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


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


Waive your premiums - for an additional cost you can have your premiums waived if you can’t work due to illness or injury for over three months. This will continue until you return to work, your 65th birthday or 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 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.

* 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.