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Getting started

It’s quick and easy to get a Sainsbury’s Over 50s Life Insurance quote. Just have the following details ready:

  • Your full name and address
  • Your Nectar card – by entering your card number, you could take advantage of any Nectar card promotions that may be on offer

If you're happy with your quote and wish to proceed, you will also need your bank or building society details to set up your direct debit.

Before you apply:

Only you can be responsible for ensuring the product meets your needs. Before you apply please make sure you read all the information available including the Policy Summary document and our privacy policy statement.

Choose your plan
Plan Description Select Plan

Increasing Plan

Your premium and cash sum are reviewed each year to help keep pace with inflation.

Increasing plan quote

Fixed Plan

Your premium and cash sum are guaranteed to remain the same. Inflation will reduce the value of the cash sum in the future.

Fixed plan quote


To apply by phone please call 0800 197 3373. Lines are open Monday-Friday 8.30am-8pm and Saturday 9am-1pm. Calls may be monitored and recorded. Calls free from a landline or mobile when calling from the UK.

Things you need to know

Fixed and Increasing Plans

  • A claim can be made after one year – regardless of the cause of death, or within one year due to accidental death. If you die within the first year of starting your plan for any reason other than accident, only the premiums already paid will be returned.

  • Depending on how long you live, the total premiums paid may be greater than the cash sum payable on death.

  • This is not a savings or investment product and has no cash value unless a valid claim is made.

  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.

Fixed Plan only

  • Inflation will reduce the value of the cash sum in future.

Increasing Plan only

  • With the Increasing Plan your cash sum is reviewed each year in line with the change in the Retail Prices Index (RPI). Your premium will also be reviewed each year and will increase by one and a half times the change in RPI. RPI may not rise at the same pace as funeral costs.

  • If you’re worried you won’t be able to afford the increase in premium, you can decline the increase following your annual review. If you do this the cash sum will remain the same from that point, and inflation will reduce its value in the future. You won’t be able to increase your cash sum or premium in future years.

Further information

  • The Policy Summary does not include the full terms and conditions of Sainsbury's Over 50s Life Insurance, these will be sent to you with your policy documents

  • When you complete the application online, you will be automatically accepted. The policy document and cancellation notice will be sent to you within seven working days

  • Any mistakes on the application form cannot be rectified online once you've clicked on the 'apply now' button. You'll need to wait for your policy documents and then contact us.

Sainsbury's Over 50s Life Insurance is provided by Legal & General Assurance Society Limited (registered in England and Wales no. 166055). Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Terms, conditions and exclusions apply to all life insurance policies. Legal & General do not provide advice or personal recommendations on this product. If you are unsure of the suitability of this product for your needs, please contact your financial adviser.