Protecting those who serve – affordable Military Life Insurance for the British Armed Forces
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The Insurance Surgery
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- Access to high street and independent insurers
- 20 years’ experience & price match promise
Proudly Supporting Our Armed Forces
You serve in the armed forces, so you know you face higher risks at work than in a standard office role. You may operate in conflict zones, handle toxic materials, or face combat. That’s why life insurance is so important to protect your loved ones should the worst happen.
A standard life insurance policy may be too expensive because of the risks you face. That’s where military life insurance comes to the rescue.
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.
No one can predict what could happen – both here in the UK or abroad.
But we know that no matter what happens, you can make plans for your future.
Policies such as critical illness, life insurance and income protection can help you stay financially stable in a variety of circumstances.
This is where we are proud to support anyone who serves as part of the armed forces.
You put yourself in danger every day to protect your country.
Our armed forces life insurance policies 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 so we can figure out what kind of life insurance you need. Then, we’ll work with you to make a policy that fits your needs and find an insurance company to give you the right financial protection.
We’ve worked with big and small insurance companies for over twenty years. We’ll only recommend insurance companies we know will pay out when they should and look out for you and your family.
What is Military 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 cover funeral expenses, clear debts, and secure your family’s financial future.
How much does Military Life Insurance cost?
The cost of your life insurance premium will depend on your:
- job title
- which armed service you work for
- active duty
- location of deployment
- health status
The different services, for example, Army, Navy, or RAF carry varying levels of risk, but military life insurance is assessed on a case-by-case basis.
We don’t offer online life insurance quotes because we think you deserve more.
Our life insurance costs are not based on computer software. Instead, we take the time to get to know you. We create bespoke life insurance costs based on your needs, guaranteeing that you and your family have the right protection.
What can armed forces life insurance be used for?
Clients have come to us for over twenty years because they know we can help them.
If you’ve never bought life insurance before, it can be hard to figure out the different kinds of cover available and what policy is right for you. We won’t assume that you know the difference between life cover and life insurance or that you understand the jargon and terms used in your policy documents.
Instead, we’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.
A life insurance policy will protect your family financially if you die or if you have a terminal illness and are told you only have a year to live.
The pay out from your life insurance policy can be used for any of your family’s financial needs. That might be:
- monthly mortgage payments or rent
- existing debts
- school fees
- ongoing financial support
or anything else your family needs help with when you’re no longer around.
What insurance and benefits are available to the British Armed Forces?
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): 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: Provided to the dependants 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 dependants in case of death in service or after retirement.
While the above may provide income for your loved ones, it’s worth investigating how much that would be.
A military life insurance policy could make all the difference.
Why is income protection so important for the Armed Forces?
Income protection can provide a regular income if you are unable to 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 think that you are already covered by government schemes or employer benefits, but these may not 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 can be a valuable addition to your financial plan. It can pay you a percentage of your income until you are able to 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 can The Insurance Surgery help find the right policy for you?
We are a life insurance specialist for hazardous occupations such as serving in the armed forces. We can help you find the best life insurance and income protection options from a wide range of providers across the UK.
We care about your family’s financial security.
Frequently Asked Questions
We answer your most frequently asked questions.
The cost 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.
The amount of money you pay into your life insurance each month will depend on your personal circumstances. Military life insurance is designed to pay out a lump sum for your loved ones, should the worst happen.
The British Armed Forces have two schemes to pay money if you die: the Armed Forces Compensation Scheme (AFCS) and the Death in Service scheme. This may not be enough for your family, so many armed service members buy a life insurance policy from another provider.
You may be entitled to an armed forces pension if you are a current or former member of the British Armed Forces. The amount of your pension will depend on your rank, your length of service, and how old you were when you joined.
It 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.
Our customers love us.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.