This article was published on 21 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Military life insurance provides financial protection for your loved ones if the worst were to happen. For serving members of the UK Armed Forces, having cover that reflects the realities of military life can offer real peace of mind. In this article, we’ll explain what military life insurance is, how it works, what it might cost, and why it’s worth considering for you and your family.

So, what is life insurance?

Life insurance is a policy designed to pay out a lump sum to your chosen beneficiaries if you pass away during the policy term. This payout can help cover essential costs such as mortgage payments, childcare, household bills, or general living costs, giving your family financial support at a difficult time.

For military personnel, life insurance can be especially important. Serving in the Armed Forces can involve unique risks, frequent relocations, and deployments that some life insurance policies may not always cover.

Life insurance for the military works in the same way as civilian life insurance, but it is tailored to the needs of those serving. This can include:

• Cover that remains valid during deployments
• Cover for higher-risk duties or postings
• Flexible terms to suit a mobile lifestyle
• Options to add additional protection, such as critical illness cover

Military life insurance can help ensure your loved ones aren’t financially impacted if something happens while you’re serving.

How much does military life insurance cost?

The cost of life insurance varies from person to person. Insurers consider several factors when calculating your premium, including:

• Your age
• The amount of cover you choose
• The length of the policy term
• Smoking status
• Your health and medical history

Your role in the Armed Forces may also play a part, especially if you work in a higher-risk area. Because there is no one-size-fits-all solution, the right level of cover depends on your personal circumstances such as whether you have dependants, a mortgage, or other financial commitments.

Do I need life insurance?

Life insurance is not a legal requirement, but it can be hugely valuable. If you have a partner, children, or anyone who relies on your income, life insurance could provide essential financial support for them if you were no longer around. The lump-sum payout can help with ongoing living costs, debt repayment, or future expenses such as education.

For serving Armed Forces personnel, life insurance can also complement other benefits you may already receive, offering an additional layer of security tailored to military life.

Forces Mutual is here to help

Life insurance is ultimately about protecting the people who matter most to you. Whether you’re deployed overseas, training in the UK, or planning your family’s future, having the right cover can give you and your loved one’s reassurance.

That’s where our friendly advisors are here to help. Let us take the hassle out of finding Life Insurance & Critical Illness Cover.

Forces Mutual is an insurance intermediary acting on your behalf. We offer an advised service for life insurance and critical illness cover, where a personal recommendation will be made once we have assessed your needs. We offer restricted advice from a panel of insurance companies. This means that our advice is restricted to products from a limited number of companies that Forces Mutual has selected. Restrictions on cover may apply if under orders to deploy to an area of conflict within 6 months.

This article was published on 16 June 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

You’ve dedicated your life to serving and protecting others. But have you considered how you can protect your own family’s financial future? Life insurance and critical illness cover ensures that you and your loved ones are safeguarded – both on and off duty.

Why Life Insurance Matters

While you may receive some protection for incidents that occur while on duty, accidents, illnesses, and unforeseen circumstances can happen at any time. Without a financial safety net, your family may struggle with everyday expenses, such as mortgage payments, childcare, and household bills.

Life insurance provides a cash lump sum or income* in the unfortunate event of your passing. This payout can help ease financial burdens, ensuring that your family maintains stability even in difficult times.

The Importance of Critical Illness Cover

Serious health conditions can impact your ability to work, whether temporarily or permanently. Critical illness cover provides a cash lump sum or income* if you are diagnosed with one of the covered illnesses, offering financial support during treatment and recovery.

Having the right cover means you can focus on your health without worrying about household expenses or lost income.

Tailored Advice for Armed Forces Personnel

We understand the unique challenges faced by members of the armed forces. That’s why we provide free advice from specialists who understand your needs. Our expert advisors will assess your situation and offer personal recommendations based on your requirements.

We work with a select panel of insurance providers, ensuring you get access to policies that best suit your circumstances. While restrictions may apply if you are under orders to deploy within six months, we will guide you through your options.

Take the Next Step

Protect your family’s future today. Speak to our dedicated advisors to arrange a consultation and find the right life insurance or critical illness cover for you.

Call us on 0151 363 5290 or 0044 (0)151 363 5920 (Monday to Friday 09:00 – 17:00)

Find out more about Life Insurance and Critical Illness cover here.

*T&Cs apply.