It is an insurance policy, available to members of the armed forces and veterans, that pays out a lump sum when you die.

How to get life insurance if you work for the military?

You can get quotes for life insurance from the insurers in this table by completing our broker form.

Although you can apply for life insurance, it is not guaranteed that an insurer will accept your application.

When you apply for cover, an insurer uses the following to decide if you can have cover:

  • Your age: The younger you are, the more insurers you are likely to get accepted by.

  • Your health: If you are healthy and do not smoke, you have a better chance of getting accepted for cover.

How to choose the best policy

Before you can apply for the right life insurance policy, you need to decide:

  • How long you want cover for: The term of your policy is important because it gives you a timescale when your loved ones can claim on your behalf. The longer the policy, the better the chances your family get a payout.

  • How much cover you want: This will be the payout your family could get if you die during the term of your policy. The bigger the payout, the more expensive your monthly premiums will be.

Compare quotes by using our broker form, then choose the cheapest policy that gives you the cover you need.

Do you need life insurance in the military?

When you work for the armed forces you should get death in service compensation, but the amount given will depend on your time in service and cause of death.

If you want to guarantee a specific payout amount when you die, you should consider a service life insurance policy.

Service life insurance FAQs


Do any insurers specialise in service life insurance?


No, but most insurers should consider your application if you work for the military.


Can I have life insurance and a death in service benefit?


Yes, if you want a guaranteed payout with a life insurance policy you can use this comparison to get quotes to find the best price.


How much does life insurance cost?


The price is based on your age, how much cover you want, how long you want it for, and your medical history. Here is how to cut the cost of life insurance.


Is life insurance guaranteed to pay out?


Only if your cause of death is covered in your policy, and you die during the term of the policy. Here is more on how life insurance works.

About our service life insurance comparison


Who do we include in this comparison?


We include life insurance from our panel of insurers that cover members of the armed forces. They are regulated by the Financial Conduct Authority (FCA).

Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.