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Life Insurance for Armed Forces

Life insurance is especially 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.

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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.

  • 15 Minute Read Time

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.

Read More

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.
Read More

Why Choose The Insurance Surgery?

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:

Your job title

Whether you’re on active duty

Which armed service you work for

Your location of deployment

Your health status

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 a clearer idea of the average cost of 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
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Call us on 0800 083 2829

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.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

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Frequently Asked Questions

How much is military life insurance?

The cost of military life insurance will depend on your personal circumstances. Factors such as your job title, which armed force you work for, active duty, deployment location, and your health will all be considered.

Working in the military, you may have access to certain employer benefits or government schemes like the ​​Armed Forces Compensation Scheme (AFCS) and the Death in Service scheme, but they may not offer you the full financial security that you require, which is why we recommend considering Armed Forces life insurance.

Whether or not life insurance for the armed forces covers mental health depends on the policy and the insurer. Some may cover mental health problems like depression, anxiety, or PTSD. Others may not cover them or charge more.

Yes, absolutely. We’re keen to help active members of the military protect the financial futures of their families with life insurance policies that are tailored to their needs. Get in touch with The Insurance Surgery, and we will find you a suitable army life insurance policy that meets your requirements.

With 25 years of experience in finding suitable policies for our clients, we’re more than equipped to support you through your armed forces life insurance journey. We’ll find bespoke policies and premiums that meet your requirements and offer you the security you’re looking for.

Get in touch with The Insurance Surgery today to be partnered with one of our experts. Offering free advice, they’ll be proud to support a member of the British Armed Forces. They’ll talk to you about what life insurance will pay for and why many people who are part of the armed forces choose to take out their policies. So, contact us today.

For a clearer idea of the average cost of life insurance, visit our Guide.

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

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

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

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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