Cignpost Life Insurance Review 2025
Cignpost is a relatively recent entrant to the life insurance market, focused on providing simple and intelligent coverage.
This policy addresses concerns about inflation over the contract period.
Cignpost is a relatively recent entrant to the life insurance market, focused on providing simple and intelligent coverage.
This policy addresses concerns about inflation over the contract period.
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Cignpost is a relatively recent entrant to the life insurance market, focused on providing simple and intelligent coverage. They offer straightforward life insurance plans that can be easily obtained online, with a questionnaire process that can provide coverage in minutes.
This review will examine the features and quality of Cignpost as a life insurer.
Contents
Cignpost is a relatively new entity in the UK life insurance market compared to other providers. Their offerings are focused on two main types of coverage designed to meet client needs and expectations.
The two offered life insurance policies are term life insurance and critical illness cover, which are detailed below.
Cignpost offers multiple types of term life insurance policies that pay out a lump sum to a beneficiary if they pass away during an agreed term. The plans available include level term, increasing, and decreasing terms outlined below.
Cignpost’s level term plans provide the same amount of coverage throughout the policy term. This means that whether death occurs early or late in the term, the beneficiary will receive the same amount.
This plan is designed for policyholders who want to ensure financial protection for their families should something happen to them during the policy term.
With the increasing term plan, the payout increases by 3% annually over the term, while premiums increase by 3.75%.
This policy addresses concerns about inflation over the contract period.
The decreasing term policy payout is linked to your mortgage balance, making it suitable for those primarily concerned with covering their mortgage if they pass away. The amount paid to beneficiaries decreases over time as the mortgage debt reduces.
UK residents up to age 54 can apply for term life insurance from Cignpost, with the option to add critical illness cover for an additional premium.
Cignpost’s critical illness cover is designed for individuals concerned about the financial impact on loved ones if a serious condition prevents the policyholder from providing support. The plans pay out if the insured individual is diagnosed with a condition listed in the policy, including:
UK residents up to age 49 can apply for critical illness cover, but it is only available as an add-on to a term life insurance policy.
With these plans outlined, let’s review the key policy details of Cignpost life insurance.
Key details of Cignpost’s life insurance policies are provided below.
| Cignpost will pay out on your policy if: | The policyholder dies or becomes critically ill during the contracted term. |
| Options: | Term Life Insurance (level, increasing, decreasing) |
| Policy Coverage: | Single/Joint Coverage |
| Terminal Illness Cover: | No |
| Critical Illness Cover: | Yes (as an add-on to life insurance) |
| Minimum Entry Age: | 18 |
| Maximum Entry Age | 54 |
| Guaranteed Insurability: | No |
Cignpost aims to be a direct insurer, offering quick online application and coverage. While their policy range is more limited compared to some providers, this does not necessarily indicate a lack of quality.
Let’s examine peer reviews of Cignpost life insurance to understand public opinion.
We compare plans from the leading life insurance providers
Given that Cignpost is a relatively new insurer, there are not many publicly available reviews of their products. However, there is sufficient information to understand core opinions and key features of the provider.
Generally, Cignpost is viewed positively, offering a focused selection of stable insurance products with good customer service. Key advantages of Cignpost are listed below:
So, what do customers and industry professionals say about the insurer?
Key features of Cignpost’s products include:
Now let’s consider Cignpost’s ratings.
As previously mentioned, limited reviews are available for Cignpost, providing only a few opinions to assess the insurer. However, the available feedback is generally positive, particularly on trust platforms Feefo and Defaqto.
Customers who reviewed the term life insurance policy on Feefo rated the product 5 out of 5. They praised the ease of obtaining coverage, helpful follow-up support, and customer service that demonstrated care for their needs.
The peer-reviewed platform Defaqto rates Cignpost term life insurance a 3 out of 5, likely reflecting the limited options and broadly defined features of their offerings. However, their quality is comparable to many popular UK life insurers, a notable achievement for a smaller provider.
If Cignpost interests you as an insurer, it is recommended to contact a broker to determine if their plans align with your specific needs.
| Type | Plan name | Rating |
|---|---|---|
| Critical illness (decreasing) | Term Life Insurance | 2 |
| Critical illness (level term) | Term Life Insurance | 2 |
| Critical illness (level term) | Term Life Insurance Increasing | 3 |
| Life assurance (decreasing) | Term Life Insurance | 2 |
| Life assurance (decreasing) | Cignpost Term Life | 3 |
| Life assurance (level term) | Term Life Insurance | 2 |
| Life assurance (level term) | Term Life Insurance Increasing | 2 |
| Life assurance (level term) | Cignpost Term Life | 3 |
