Product Overview

Military life insurance designed for those in the UK Armed Forces from the UK’s top Life Insurers.

Protect the ones that matter most with military life insurance. from Trinity. Specialist life insurance for the needs of Army, Royal Navy and Royal Marines; and Royal Air Force. Trinity offers affordable Armed Forces Life insurance that will support your loved ones, and make life financially easier, if you are no longer able to.

The Armed Forces Compensation scheme would offer a lump sum in the event of injury whist only on duty. In the event of death on or off duty the Armed forces Pension Scheme pays the benefit and is not affected by any separate insurance cover you have in place.

Who is this suitable for?

This Military Life Insurance is Suitable for Regulars and Reservists serving in the United Kingdom’s Armed Forces: The Royal Navy/Royal Marines, the British Army and the Royal Air Force.

Do I need life insurance?

Life insurance is probably the most important form of protection depending on your personal circumstances and gives security to you and your loved ones. Those important to you will have financial security should anything happen. With life insurance you have flexibility to have the insurance for a set amount that would meet their needs e.g an outstanding mortgage and you are covered even when deployed with no change to the premium you pay.

Choosing the right military life insurance cover

Through our Direct Life partner, you are able to protect you and your family in the event of your death, or if you were to suffer a critical or serious illness. Having life insurance in place gives you peace of mind that your loved ones are protected and looked after financially should the worst happen.
You can insure yourself on a level term basis (insuring yourself for a guaranteed sum of money) or on a decreasing basis (to cover a debt such as a repayment mortgage) based on your own personal circumstances and protection needs.

Deciding on the amount of cover you need

When thinking about your life insurance policy and the protection you need, it is useful to think about all your financial commitments including your mortgage, any dependents you support financially and any debts or outstanding loans. You might also like to consider if you would wish to leave a further sum to family in the event of your death.

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How much does life insurance cost?

For those not due to go to an active theatre of operations in the near future will find our life insurance competitive and comparable to a civilian life insurance policy.
Once the cover is in place if you are then subsequently posted to an area of conflict you are rest assured that you have cover in place.

Critical illness cover

Critical illness can be added to your policy and will provide financial support on diagnosis of a critical or serious illness such as cancer, kidney failure, strokes or heart attacks. This gives additional financial security if you are unable to work.
Some of the insurers offer the option to include additional cover. This can include covering fractures, increasing the number of critical illnesses, covering dependents (including covering dependents for serious illness) and hospital benefits.

Example quotes

  1. 29 year old non-smoker
    £200,000 life cover for 25 years
    Costs £7.23 per month*
  2. 29 year old non-smoker
    £200,000 life cover for 25 years
    £30,000 critical illness cover for 25 years
    Costs £14.25 per month*

*Quotes correct as of May 2022

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