Churchill Life Insurance Review 2025

Churchill Insurance was founded in 1989 as one of the UK’s first direct motor insurance companies. A year later, its portfolio expanded to include home insurance, and since then, the firm has added other types of coverage, including travel, pet, and life insurance.

Types of Life Insurance Offered by Churchill

Churchill has an extensive portfolio of life insurance policies to meet various clients’ needs

As an insurance-focused company, Churchill has an extensive portfolio of life insurance policies to meet various clients’ needs. The main types are:

• Level Term: Where the payout stays the same throughout the coverage period. It is ideal for interest-only mortgages and for leaving an inheritance for loved ones.
• Decreasing Term: Where the payout decreases during the coverage period. It is ideal for covering debt or mortgage payments.
• Critical Illness Cover: This is an add-on option called Critical 3, which is provided by AIG. It can be included with your primary policy for an extra fee.

As Churchill offers an array of life insurance options and add-ons, it’s always best to consult a professional to discuss the best option for you.

Does Churchill Offer Over 50s Life Insurance?

The company offers whole of life coverage for clients over 50, ensuring coverage until the policyholder passes away. Applicants are also not required to undergo a medical examination to receive coverage. Churchill guarantees approval for anyone up to 85 years of age (or 81 if you’re a smoker).

Your beneficiary can use the payout to cover funeral costs, debt, mortgage payments, or living costs.

Features and Benefits of Churchill Life Insurance

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When considering a life insurance policy, it’s beneficial to be aware of the additional benefits offered. Churchill offers several benefits, including:

• 24/7 access to a GP.
• Flexible cover periods ranging from 3 to 50 years.
• Fixed monthly payments (provided the policy terms remain unchanged).
• Critical Illness Cover for an extra fee.
• A mortgage guarantee on decreasing term policies.
• Up-front payment of £10,000 in the event of claim approval delays due to necessary checks or legal requirements.
• High claim payout rate: 99% of claims are paid
• Children’s support services

Overview of Churchill Life Insurance Key Policy Details

It’s also worth noting that the company doesn’t provide income protection insurance and that if you miss a payment, Churchill gives you up to 30 days to make the payment from when it was overdue.

What Policy Modifications Are Possible?

Churchill Insurance allows you to make various changes to your policy, including:

• The amount covered by your life insurance
• Policy term
• Convert a joint life policy into a single policy or separate policies
• Reduce or remove critical illness cover

Defaqto Ratings for Churchill Life Insurance (2025)

Defaqto ratings are an independent assessment of financial products, helping consumers understand the quality of different offerings. A 5-star rating from Defaqto indicates the highest quality. Churchill’s Defaqto ratings, updated as of March 7, 2025, show a mix of strong and moderate performance across its life insurance products.

• 5 out of 5 stars: Life assurance (direct) and Over 50s life assurance
• 4 out of 5 stars: Critical illness (direct with life cover)
• 3 out of 5 stars: Critical illness (decreasing), Life assurance (decreasing), Life assurance (level term), and Critical illness (level term)

Compared to competitors, Churchill excels in direct life assurance, matching top providers like Aviva and Legal & General who also hold numerous 5-star ratings in life assurance categories. However, in critical illness cover, particularly level term and decreasing options, Churchill’s 3-star ratings are less competitive than Aviva, Legal & General, and Zurich, many of whom boast 5-star ratings for similar critical illness products. For consumers, this means Churchill is a strong choice for straightforward life cover, especially direct and over 50s plans, but those seeking comprehensive critical illness options may find better-rated alternatives elsewhere.

How Much Does Churchill Life Insurance Cost?

The cost of taking out a policy with Churchill Insurance depends on a range of variables. Like most providers, the company will factor in your age, medical history, occupation, and smoking status. It also depends on what type of coverage you want. For example:

A single-life, level-term insurance policy with a coverage of £150,000 over 25 years for a non-smoking 30 year old will cost around £8 per month. This figure does not include any optional critical illness cover or a joint-life policy.

The same application for a decreasing life insurance policy will cost around £6.80 per month.

The premium will go up if you are older, smoke, or are in a dangerous job. To get a definitive quote, get in touch with the provider and discuss your options.

Is Churchill Life Insurance Right For You?

Churchill Insurance offers a range of benefits that could make it the ideal provider. Here, we provide an overview of its services to hopefully help you decide whether Churchill is the right company for you.

• Flexibility: Churchill allows you to choose a term policy period of between 3 to 50 years. Many companies aren’t that flexible with their coverage, so if this is an essential element for you, Churchill is a great fit.
• Mortgage Guarantee: If you need to make a claim and the payout is less than what’s left of your mortgage, Churchill will cover the outstanding amount.
• 24/7 Access to a GP: Policyholders are eligible for the company’s Smart Health Services for free, putting you and your family in touch with health professionals and giving you the ability to hold GP consultations over the phone.
• Churchill is a specialist in coverage for over 50s: Many of the company’s benefits seem to cater to older customers.

As evidenced by this list, Churchill Insurance offers some great perks to its customers. Perhaps one of the downsides is that critical illness cover will cost you extra and that Churchill doesn’t have a countrywide network of physical branches. If you’re not confident with using online services, you might find it challenging to navigate their extensive website.

On the other hand, if you prefer to handle things online, you’ll benefit from Churchill’s operational method. You’re able to take out a policy, make changes and get professional help over the phone or through the company’s website.

The best way to ensure you’re getting the best policy for you is to get various quotes and compare prices and policies. Prices can differ massively between companies, so make sure to look for a good deal.

Defaqto ratings