INSURANCE
Barclays Simple Life Insurance
Protect your loved ones
Give them financial security through a single payout with cover from just £6 a month. Terms, conditions, eligibility and exclusions criteria apply.
Get a £75 e-voucher when you take out Barclays Simple Life Insurance(1) between 1 June 2024 and 30 June 2025. T&Cs apply.
We've partnered with Legal & General to provide you with quality life insurance.
Legal & General help over 10 million people around the world to protect their financial futures. Their insurance is 5 Star-rated by Defaqto.
Why should you get Simple Life Insurance?
If you die or become terminally ill with a life expectancy of less than 12 months, your loved ones will get a single payout to help them cover costs. All from £6 a month.
Protection for your loved ones
You'll get cover for living costs and other essentials with level term insurance. Whether you have a mortgage or not, your loved ones will get a single payout to spend where necessary.
A single payout to cover costs
If you die or become terminally ill, your family will get a single payout. This can help them cover costs, whether it's for mortgage payments, rent or education.
Easy cover support
If you don’t know how much cover to get, our cover calculator can help you work out a recommended amount.
Next steps
Try our cover calculator if you’re unsure how much cover you need. If you’re ready to take out your policy, get a quick quote.
Getting your policy
Once you've decided which policy is right for you, you can get a quote, apply and buy. Here's how it works:
- Get a quick quote – answer five questions to get an initial price
- Apply – Legal & General will ask you a few questions to understand your needs
- Buy – if your application is approved, you can buy it straight away.
What you need for your quick quote
Prepare for your quick quote by checking you have everything you need to answer any questions Legal & General might ask you.
Cover amount
Make sure you know how much cover you need. If you're unsure, our cover calculator can help give you an idea.
Important details
Legal & General might ask about you and your lifestyle to get an idea of what your quote could be.
Read the policy details
Before taking out your life insurance policy, read the Barclays Simple Life Insurance policy summary (PDF, 4.1MB) and policy booklet (PDF, 246KB).
Before you get your quote, you can work out how much cover you need with the cover calculator.
What you need to know
For more information, read the Guide to Barclays Simple Life Insurance (PDF, 4.1MB).
Coverage
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Covered
Death – you'll be covered if you die before the end of your policy
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Covered
Terminal illness – you’ll be covered if you’re expected to die within a year
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Covered
One-time payment – your cover amount will only be paid out once. On a joint policy, this will be when the first person dies or makes a valid claim. The remaining person will need to take out a new policy to stay covered.
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Not covered
Incorrect information – if you don't answer the Legal & General questions honestly and in full before your policy starts, they won't pay out
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Not covered
Suicide – if you die within the first year of the policy and your death is caused by suicide or intentional and serious self-injury, you won't be covered.
Important Information
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Action
Work out how much money your family would need – use our cover calculator if you need help. Go to ‘Insurance’ on barclays.co.uk for more information
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Action
Have a look at the Barclays Simple Life Insurance policy booklet (PDF, 246KB) and 'About Barclays Insurance Services' (PDF, 4.1MB) for more details on how the policy works.
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Detail
Choose how much cover you want and how long you want to be covered for. If you’re unsure about how much cover you need, use our cover calculator. Go to ‘Insurance’ on barclays.co.uk for more information, or get independent financial advice
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Detail
You can apply in online or in the Barclays app
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Detail
Life insurance policies have no cash value and Legal & General won’t pay out if you reach the end of the policy without making a valid claim
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Detail
Legal & General won't pay out if you're diagnosed with a terminal illness that doesn't meet their definition
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Detail
Legal & General might restrict some elements of your cover based on your information. If they do, they'll tell you what they've excluded in your policy summary
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Detail
If you stop paying, your cover will end 60 days after the first missed payment
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Detail
Your monthly cost and amount of cover will stay the same throughout your policy, unless you make any changes
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Detail
You might be able to increase your cover amount without further reassessment or application. You can do this as many times as you need, but you can't increase it by more than £200,000. You'll also need to meet certain conditions and limits
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Detail
If the policy is to help pay off a mortgage or is linked to any other financial product, make sure your amount of cover matches your outstanding balance. You'll also need to update your policy if your finances change – it won't happen automatically
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Detail
You can cancel your policy any time. If you cancel within 30 days of starting your policy, Legal & General will return any payments you've made. If you cancel after 30 days, you won't get any payments back and future payments will stop from that point
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Detail
You can find benefits, exclusions and other relevant information in the Barclays Simple Life Insurance policy booklet. [PDF, 246KB]
Age
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Allowed
You need to be at least 18 to apply
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Not allowed
You can't apply if you're older than 74
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Allowed
You can get covered up to your 90th birthday.
Duration
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Feature
The minimum duration is 5 years
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Feature
The maximum duration is 50 years.
Cover amount
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Feature
The maximum cover amount is £5 million.
Who can apply for life insurance?
You need to be a UK resident, and be at least 18 and no older than 74 to apply.
How much life insurance do I need?
This will depends on your individual circumstances. You might want to think about leaving a single payout to your loved ones or helping pay off a mortgage if you die. If you’d like more help, try our cover calculator.
Can I add Critical Illness Cover?
You can add Critical Illness Cover to your mortgage protection policy for an extra fee, which will cover you until you’re 75. You can do this in the Barclays app or with our mortgage advisers.
To apply for a level life insurance policy with Critical Illness Cover, you need to be at least 18 and no older than 67. For Critical Illness Cover on a decreasing policy, you need to be at least 18 and no older than 64.
You can't add Critical Illness Cover to Simple Life Insurance.
Can I put my policy in trust?
Yes, putting your policy in trust can help make sure that the right people get paid if there’s a claim. Payouts are also generally faster when the policy is put in trust. It’s a good idea to put your policy in trust from the beginning, but you can do this at any time.
For more information, read Legal & General Trust Information or call their help desk on 0370 010 4080. Lines are open Monday to Friday, 8:30am to 6pm and Saturday, 9am to 1pm.
Can I cancel my policy if I no longer need it?
You can cancel your policy at any time. If you cancel within 30 days of starting your policy, Legal & General will return any payments you've made. If you cancel after 30 days, you won't get back any payments you've already made, but you won't need to make any future payments.
To cancel your policy, log in to ‘My Account’ on the Legal & General website, or call them on 0370 010 4080. Lines are open Monday to Friday, 8:30am to 6pm and Saturday, 9am to 1pm.
How is the cost of life insurance calculated?
Legal & General can give you a quick quote based on multiple factors like your age, amount of cover, length of term, type of policy and whether you smoke. To finalise the price, they’ll ask more questions about your health and lifestyle. Your monthly cost could increase based on your answers. In some cases, they might need information from your doctor. When they have all the details, you’ll need to tell Legal & General when you want to start your policy –– this can be the same start date as your mortgage.
What affects the cost of life insurance?
Factors such as your health, age and whether you smoke can affect the cost of your life insurance.
What happens if I move abroad?
If you move abroad during your policy, it might be affected. For more information, check the Barclays Simple Life Insurance policy booklet. [PDF, 246KB]
Important documents
Barclays Simple Life Insurance Policy Summary (PDF, 4.1MB)
Barclays Simple Life Insurance Policy Booklet (PDF, 246KB)
Call Legal & General on
0800 001 5032
Legal & General are our life insurance partner.
Lines are open Monday to Friday from 8:30am to 8pm, and Saturday from 9am to 1pm. Calls may be monitored and recorded.
Join over 10 million Barclays app customers
Make money work for you by opening an account in a few simple steps. If the account is just for you and you’re over 18, you can use our app(2).
Legal information
Life Insurance is arranged by Barclays Bank UK PLC through Barclays Insurance Services Company Limited and provided and underwritten by Legal & General Assurance Society Limited. Registered in England and Wales no: 166055. Registered office: One Coleman Street, London, EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No 759676). Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No 312078). Registered Office for both: 1 Churchill Place, London E14 5HP England.
Important information
Get a quote for Simple Life Insurance or life insurance for mortgage protection and take out a policy before the quote expires, and we’ll give you a £75 e-voucher to spend on a range of gifts including days out and vouchers for high-street brands. Simply Thank You will email you between month five and six of the policy’s start date to let you know how to claim your reward. You’ll need to use your voucher by 30 June 2026. Terms, conditions and exclusions criteria apply.(Return to reference)
You need to be 18 or over to access this product or service using the app. Terms and conditions apply.(Return to reference)