FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Life Insurance for Armed Forces

Life insurance is valuable for those working in dangerous occupations. In the Armed Forces, you may operate in conflict zones, be exposed to toxic materials or face combat, which is why army life insurance is so important.

What Is Armed Forces Life Insurance?

Military life insurance is designed to meet the needs of members of the Armed Forces. It recognises the high risks you face in your job without ramping up the costs. Should anything happen to you, a military life insurance policy will pay out a lump sum to support your beneficiaries.

People may take out Armed Forces life insurance in order to:

Cover funeral expenses
Clear debts
Cover mortgage payments
Pay school fees
Cover lost income

How Does Armed Forces Life Insurance Work?

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

If you are part of the British Armed Forces, you will know better than anyone else how quickly your life can change if you get sick or are hurt in combat. That’s where military life insurance comes in.

Our team of experts at The Insurance Surgery will be proud to support anyone who serves as part of the Armed Forces. You put yourself in danger every day to protect your country, so the options that we offer give us a chance to return the favour. With our expertise and contacts, we can match you with the best life insurance company for your family.

We’ll take the time to learn about you and your family and figure out what kind of life insurance you need. Then, we’ll work with you to find a policy that fits your needs and find an insurance company to give you the right financial protection.

There are different types of benefits and policies available for members of the British Armed Forces, depending on the circumstances of your injury, illness, or death. Here are some of them:

Armed Forces Compensation Scheme (AFCS)

AFCS pays out for any injury, illness or death caused by service on or after 6 April 2005. It offers a tax-free lump sum and a Guaranteed Income Payment (GIP).

Death in Service benefit

A Death in Service benefit is a tax-free lump sum provided to the dependents of a person who dies while in service.

Service pension

Paid to service personnel who have completed a minimum period of service. They also include benefits for dependents in case of death in service or after retirement.

Do You Need Life Insurance?

Life insurance provides financial security for your loved ones in case of your death, helping cover expenses like mortgages and daily living costs. It’s particularly important for parents, homeowners, and business owners. Different policy types, including whole of life and level term insurance, offer varying levels of coverage.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Why Choose us

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Income Protection for the Armed Services.

Income protection insurance provides a regular income if you cannot work due to illness or injury. It can help you maintain your lifestyle and support your family without relying on savings or benefits. For members of the armed services, income protection is especially important because of the high level of risk you face at work. You may already be covered by government schemes or employer benefits, but there is no guarantee that these will be enough to meet your needs. For example, the Armed Forces Compensation Scheme only pays a lump sum and a monthly payment for pain and suffering, not for loss of income. That’s why income protection insurance can be a valuable addition to your Armed Forces life insurance plan, covering a percentage of your income until you can return to work. If your illnesses or injuries are career-ending, an income protection plan can offer you financial assistance until you reach retirement age.

How Much Does Army Life Insurance Cost?

As with all policies, the cost of life insurance for the Armed Forces can differ on a person-to-person basis. After a discussion with one of our experts, you’ll be given a clearer idea of how much you can expect to pay. But first, we’ll need to know some information regarding:

Don’t hesitate to get in touch with us for a free consultation; we’re more than happy to offer advice before offering you a bespoke policy.

For more information on What medical conditions affect life insurance? Visit our Guide.

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Price Promise.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our Price Promise ensures that we will find you the right cover for your circumstances.

Frequently Asked Questions

Do you need life insurance for a mortgage?

No, when it comes to getting a mortgage in the UK, having life insurance is by no means a necessity. It is a time, however, when many people begin to look into life insurance quotes to protect their family’s financial security. Whilst majority do not, you may find that some mortgage lenders do stipulate that life insurance is required.

How much life insurance do I need?

Your personal life insurance needs are completely unique to your circumstances. For a clearer idea of your life insurance needs, get a quote from one of our experts or submit your information into our Life Insurance Calculator.

Can you have more than one life insurance policy?

Yes, you are able to have more than one ongoing life insurance policy. If you have doubts about your previous policy, however, and are looking for an updated one please speak to a member of our team – we can look at your current policy details and compare them to newer quotes.

If we can find you a better life insurance deal that offers better cover, or lower premiums we will make our recommendations. We will only ever suggest a switch to a new life insurance provider if we think that it is the right option for you.

Do you have to pay taxes on life insurance payouts?

Most life insurance payouts are not taxed in the UK. You may, however, have to consider inheritance tax following the passing of a loved one.

What age should you get life insurance?

There is no correct age to begin considering life insurance. Everyone has their own needs and reasons when it comes to life insurance. Life insurance tends to be cheaper the younger you are, but most people begin to seek out life insurance quotes when they have a long-term partner, children, or a home.

For more information on What medical conditions affect life insurance? Visit our Guide.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Men

Life Insurance for Women

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

What Are the Most Dangerous Occupations?

Is Income Protection Insurance Worth It?

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

What is Income Protection

Is Income Protection Insurance Worth It?

Life Insurance for Armed Forces

What Is Armed Forces Life Insurance?

How Does Armed Forces Life Insurance Work?

Armed Forces Compensation Scheme (AFCS)

Death in Service benefit

Service pension

Do You Need Life Insurance?

Life Cover Terminology

Why Choose us

Rated ‘Excellent’ on Trustpilot.

25 years Experience

Access to a range of insurers.

Award-winning broker.

Income Protection for the Armed Services.

How Much Does Army Life Insurance Cost?

For more information on What medical conditions affect life insurance? Visit our Guide.

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Price Promise.

Obtain a cheaper quote elsewhere, we'll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For more information on What medical conditions affect life insurance? Visit our Guide.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Men

Life Insurance for Women

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Speak to our team of experts for FREE
specialist advice today.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*