Post Office Life Insurance Review 2025

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 27th September 2025

Welcome to our Post Office life insurance review. In the United States, the Post Office is where residents mail letters and packages and buy stamps.

The UK Post Office is much different, offering broadband packages, savings accounts, car and life insurance, and mail services.

This Post Office is heavily invested in helping UK residents online, connected, and in excellent financial shape. Consumers can shop online or visit a branch to handle all related needs.

At Insurance Hero, we can compare a variety of other market leaders to ensure you get the best deal. By using our services, we can compare Post Office policies with those of other leading companies, ensuring you receive a tailored life insurance solution.

Without proper life insurance protection, would your loved ones be able to do the following if you weren’t around to help?

Pay off the mortgage.
Clear any outstanding debts in your name
Fund their current lifestyle
Buy a new home
Plan for a funeral
Deal with inheritance tax

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Life Insurance From The Post Office

Post Office Life Insurance is provided by Aviva Life & Pensions UK Limited. UK residents between the ages of 18 and 66 may apply for between £5,000 and £500,000 worth of term life cover.

Post office over 50 life cover is also an option. Premiums begin at just £5 per month, are fixed throughout the policy term, and must be paid via direct debit.

While conducting our post office life insurance review, we discovered that this policy has no cash-in value.

Still, if the policyholder dies or is diagnosed with a terminal illness during the final 18 months of cover and is expected to live less than 12 months, it pays a lump sum. The payout is not subject to capital gains or income tax but may be subject to inheritance tax.

The terminal illness benefit is payable only once, and after payment is issued, the policy is cancelled. Cancellation may also occur if a policyholder fails to pay; in such cases, previously paid premiums will not be refunded.

Therefore, it is crucial to consider this investment seriously and ensure monthly premiums are affordable throughout the policy term.

It’s Your Choice

Consumers decide the length of the term and the level of cover. They have a choice between level cover in which the lump sum payout remains fixed throughout the policy term and decreasing cover in which the sum declines over the term.

Common-law partners, civil partners, husbands and wives, and those sharing mortgages and loans who would suffer financial losses if the older individual died are eligible for joint cover.

With a joint policy, the lump sum is paid upon the death of one policyholder, and the plan ends. Couples can purchase two single policies to cover each life and provide two payouts.

Premiums are based on age, medical history, smoking status, and the selected type and length of cover.

The total lifetime premium is determined by multiplying the monthly premium by 12 and multiplying the result by the policy term.

Level-term monthly premiums are higher than monthly premiums for decreasing term policies, and premiums for smokers are higher than those for non-smokers.

Making Decisions

To determine what is the best life insurance policy to get and whether a level or decreasing term policy is more appropriate, consider the purpose of the cover.

Benefits from level-term policies are typically used to provide for dependents or pay off mortgages.

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Benefits from decreasing term policies are often used to pay off repayment mortgages whose balances decrease throughout the cover term.

Post Office Life Insurance Over 50

The Post Office also offers over 50s life cover to consumers between 50 and 80 years of age. Post Office life insurance with over 50 plans is one of the most comprehensive and flexible policies we’ve encountered.

We hope our Post Office life insurance reviews have been insightful, and we look forward to answering any further questions you might have.