Tesco Life Insurance Review [2025]

Q: How to cancel Tesco life insurance?

To cancel your Tesco life insurance policy, you’ll need to contact Aviva. Tesco life insurance policies come with a 30-day cooling off period. This means you can cancel your policy within this time and receive a refund of the premiums you’ve paid. You can still cancel your policy after the 30-day cooling off period but you won’t be refunded for the premiums you’ve paid.

Home
Insurer reviews
Tesco life insurance review

Tesco life insurance UK [key points]

Tesco life insurance is life insurance sold through Tesco but the cover is actually provided by Aviva
Policies are available to UK residents aged 18 – 77
Options include level (with an increasing option) and decreasing term life insurance
Policies can have a minimum term of 5 years up to a maximum term of 50 years
Premiums are guaranteed (stay the same) unless you increase your cover amount
Terminal illness cover is included at no extra cost, allowing you to make an early claim if you’re diagnosed with a terminal illness and given 12 months or less to live

Tesco life insurance

Tesco have launched a new partnership with Aviva, allowing them to offer life insurance to customers.

You don’t have to be a Clubcard member to take out a policy, but Clubcard holders get special benefits such as discounted premiums, a £100 gift card and monthly coupons via their app.

Tesco previously offered life insurance through Tesco Bank, however these services ceased in 2017.

These policies were originally provided by Direct Line, but were transferred to Countrywide Assured Plc in 2014.

Tesco life insurance isn’t available through Reassured but we can help you compare Aviva life insurance policies with other leading UK insurers.

Let’s look into the policies currently offered by Tesco life insurance…

Compare Life Insurance » Find Our Best Deals

What Tesco life insurance policy options are there?

The following policies are available through Tesco:

Family protection (level term life insurance)

Family protection allows you to leave a fixed lump sum pay out to your loved ones if you pass away during the policy term.

Your pay out will remain the same (or you have the option to protect your pay out from inflation, with this option your pay out will increase in line with Consumer Prices Index up to a maximum increase of 10%. Your premiums will also increase with this option)
Maximum cover amount up to £5 million
Cover can last from 5 to 50 years
You can take out a single or joint policy

Mortgage protection (decreasing term life insurance)

Mortgage Protection can help your loved ones to pay off the mortgage should you pass away during the policy term.

Your pay out will reduce at the same rate as a repayment mortgage (using a fixed interest rate of 8%)
Maximum cover amount up to £5 million
Cover can last from 5 to 50 years
You can take out a single or joint policy

The policies mentioned above also include the following features:

Terminal illness cover – make an early claim on your policy if you’re diagnosed with a life-threatening illness and predicted to pass away within 12 months.
Separation benefit– if you buy a joint life insurance policy with your partner but you divorce or separate, separation benefit allows you to split your joint policy into two single policies.
House purchase cover– if you buy a policy while you’re in the process of buying a house, you can get up to 90 days of free life insurance once your application has been accepted and your contracts have been exchanged/completed.
Make changes to your policy– you can make changes to your policy up to six months from the policy start date. These changes include reducing your cover amount and reducing/increasing your policy term. If you reduce your cover amount or policy term you won’t be asked any further questions. If you increase your policy term you may be asked for health and lifestyle information. If you need to increase your cover amount the extra coverage will be issued as an additional policy with your original policy remaining in place.

How much life insurance do you need?

Work out how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply fill in the fields which apply to you for an instant calculation.

£ -

Your total cover estimate

£ 0

Let us find you our best quote.

Compare Quotes »

How much is Tesco life insurance?

Tesco life insurance is advertised from £5 per month but the exact price you pay will depend on your personal circumstances.

The following factors will determine the cost of your monthly life insurance premium:

Age
Health
Occupation
Lifestyle
Smoking status
Type of policy
Policy term
Cover amount

These factors help insurers to assess your level of risk (the riskier they perceive you to be, the more you’ll pay for cover).

Regardless of what your premium price is, if you’re a Tesco Clubcard holder you’ll get a discount on your life insurance.

Save Money » Compare Life Insurance

Can I get a free gift with Tesco life insurance?

Yes, when you buy life insurance through Tesco you could be eligible to receive a £100 Tesco gift card.

You’ll need to keep your policy and pay premiums for 6 months in order to receive the gift.

Once you’ve paid 6 months premiums an eGift card will be sent to the email that you used when applying for the policy.

Unlike other free gift offers on the market, the value of the gift card you receive isn’t based on the cost of your monthly premium. Everyone that is eligible will receive a £100 voucher.

There’s currently no end-date stated for this offer.

If you have the Tesco app, you can also benefit from Tesco’s ‘Little Life Helps’ offers. These are monthly coupons to spend on your shopping.

How to cancel Tesco life insurance?

To cancel your Tesco life insurance policy, you’ll need to contact Aviva.

Tesco life insurance policies come with a 30-day cooling off period. This means you can cancel your policy within this time and receive a refund of the premiums you’ve paid.

You can still cancel your policy after the 30-day cooling off period but you won’t be refunded for the premiums you’ve paid.

What is the Tesco life insurance contact number?

If you need to contact Tesco about your life insurance policy, you’ll actually need to contact Aviva.

You can contact Aviva about your Tesco life insurance policy in the following ways:

Phone: 0800 285 1098 (lines are open Monday – Friday 8am – 6pm)
Post: Aviva Customer Relations, PO Box 3182, Norwich, NR1 3XE

You can also easily manage your policy, check policy details and make changes to your policy on the MyAviva app.

Compare life insurance quotes (find our best quotes)

While we can’t help you compare life insurance options from Tesco, we can help you compare quotes from some of the UK’s best insurers (including Aviva).

Here are just some of the benefits of using our award-winning broker service:

We’ve got over 15 years of industry experience and can provide you with all the information you need to know
We can find you our best quotes, with prices starting from just 20p^† per day
Our service is FCA (Financial Conduct Authority) regulated, so you’re in safe hands

Quotes are fee-free and no obligation so why not financially protect your loved ones with life insurance today?

Compare Life Insurance Quotes »

Tesco life insurance FAQs

Is Tesco life insurance provided by Aviva?

Yes, Tesco life insurance is actually provided by leading insurer Aviva.

This means you’ll have access to benefits offered by Aviva such as Aviva DigiCare+

Does Tesco sell life insurance and critical illness cover?

Critical illness cover isn’t mentioned on Tesco’s website or in the policy documents, so it appears this option isn’t offered.

Typically, critical illness can be added to term life insurance for an additional cost to allow you to make an early claim if you’re diagnosed with a specific serious illness during the policy term.

The pay out can help to replace lost income while you’re unable to work or help to cover any related medical expenses.

Does Tesco sell over 50 life insurance?

No, the only options currently offered by Tesco are level and decreasing term life insurance.

Policies are available up to the age of 77, so if you’re aged 50 or over it could still be possible to take out a Tesco life insurance policy – it just won’t be a dedicated over 50s plan.

If you’re looking for an over 50s plan, why not use our award-winning broker service?

Can you get Tesco life insurance with Clubcard points?

No, Tesco life insurance can’t be purchased with Clubcard points and you won’t get Clubcard points when buying life insurance.

However, Clubcard holders will benefit from discounted premiums when buying Tesco life insurance.