SPECIALIST MILITARY INSURANCE BROKER
MILITARY LIFE INSURANCE
Tailored military life insurance for serving Army, Navy, RAF and Reservist personnel protecting your family whether you’re at home or on deployment. Quotes from £5 a month.
From £5
per month
5 mins
to get a quote
24 hours
typical cover start
18 +
age range
SPECIALIST MIILTARY INSURANCE BROKER
MILITARY LIFE INSURANCE
Tailored military life insurance for serving Army, Navy, RAF and Reservist personnel protecting your family whether you’re at home or on deployment. Quotes from £5 a month.
From £5
per month
5 mins
to get a quote
24 hours
typical cover start
18 – 69
age range
Who is our military life insurance for?
Absolute Military’s life insurance is designed specifically for British Armed Forces personnel and the wider military family. We understand the unique circumstances of service life postings, deployments, hazardous roles and we underwrite accordingly, so you’re not penalised for the job you do.
Cover is available to individuals aged 18 + across all of the following groups:
British Army
All ranks, corps and regiments
Royal Air Force
Aircrew, ground crew and support
Royal Navy and Marines
Including submariners
Reservists
All reserve forces
Ex Military Personnel
Transition to civilian life
MOD Civil Servants
And the wider military family
Why take out military life insurance?
Armed forces personnel face significantly higher occupational risk than those in civilian desk-based roles. Whether you’re operating complex or dangerous machinery, working with hazardous materials, or serving in an active conflict zone, the risks you accept are real and your family’s financial security should reflect that.
The MOD provides some death benefits through the Armed Forces Compensation Scheme, but these have limitations. A separate life insurance policy sits entirely independently and covers you around the clock not just when you’re on duty.
Would your family be able to manage without your income?
Think through what your loved ones would face if you were no longer here. The typical financial pressures are significant:
Pay off or maintain the mortgage
Maintain their current standard of living
Clear outstanding personal debts
Cover childcare and education costs
Fund a deposit on a new home if needed
Replace lost income over the long term
How much does military life insurance cost?
Military life insurance through Absolute Military starts from around £5 per month, though the exact premium depends on a number of personal factors. To give you a realistic sense of what cover might cost, here are three worked examples based on typical serving personnel profiles:
Real-world pricing examples
PETTY OFFICER, ROYAL NAVY
Indicative premiums only, based on good health and standard underwriting. Your actual premium will depend on your age, health history, role, cover amount, and policy term. These examples use tailored military underwriting and are for illustration purposes.
What affects the price?
Your Age
Younger applicants typically pay less. The earlier you take out cover, the lower the premium you lock in.
Health History
Pre-existing medical conditions may affect your premium or result in specific exclusions. We’ll explain all of this clearly
Your role
Combat roles, hazardous postings and specialist duties are all factored into our tailored military underwriting.
Level of Cover
The higher the sum assured, the higher the premium. We’ll help you work out how much cover your family actually needs.
Policy Length
Longer terms cost more. Many people align the term with their mortgage or until their youngest child is financially independent.
Smoking Status
Smokers typically pay approximately twice the premium of non-smokers for the same level of cover.
Do I need life insurance if I already have death-in-service benefits?
The Armed Forces Compensation Scheme (AFCS) provides automatic financial support if you are injured or killed in service, and it is an important safety net. However, it has limitations that many serving personnel are not fully aware of. A personal life insurance policy fills those gaps directly.
| Feature | AFCS (MOD) | Personal Life Insurance |
|---|---|---|
| Covers death on active duty | Yes | Yes |
| Covers death off-duty (at home) | Yes | Yes 24/7 |
| Covers illness-related death | Yes | Yes |
| You choose the payout amount | Fixed by MOD rules | Yes, tailored to you |
| Continues after leaving service | No | Yes |
| Affected by your personal policy | Not affected | Entirely separate |
Importantly, having a personal life insurance policy has no impact on any AFCS award your family may receive. The two are entirely independent you can hold both without one affecting the other.
Deploying within the next 6 months?
Don’t leave it until after you return. We can arrange cover for personnel who are due to deploy. It’s strongly recommended to have life insurance in place before you leave speak to one of our advisers today.
Can I cover my partner too?
Yes. When taking out military life insurance, you can choose to include your partner on the same policy. The premium will be adjusted to reflect the additional risk of covering two lives.
However, in many cases we recommend considering two separate individual policies rather than a single joint policy. Here’s why:
Two individual policies can each pay out independently, meaning your family receives two separate lump sums rather than one
If one partner dies, the surviving partner retains their own policy in force, without needing to arrange new cover at potentially much higher premiums
Individual policies can be tailored differently for example, if one partner has a higher mortgage exposure or earns more
Our advisers will talk you through both options and help you choose the structure that offers your family the best protection.
Factors that shape how much cover you need
Working out the right level of cover is one of the most important decisions you’ll make. As a starting point, consider the following:
Your outstanding mortgage balance this is typically the largest single financial exposure for most families
Any other debts (personal loans, car finance, credit cards)
Whether you have dependents, how many, and their ages a young child may need income support for 20+ years
Your annual income and how many years of earnings your family would need replaced
Any existing savings or investments that could cover short-term needs
Getting this right requires proper financial advice, not guesswork. Our experienced advisers understand service pay scales, allowances and the MOD benefits structure so they can give you meaningful, tailored guidance rather than a generic calculator result..
Frequently Asked Questions
Can I get life insurance if my role involves combat or hazardous duties?
Yes. Standard high-street life insurance policies often exclude or apply significant loadings to combat or hazardous roles. At Absolute Military, we work with insurers who offer tailored underwriting specifically for military personnel, meaning your role and deployment profile are taken into account at the outset, with clear terms rather than hidden exclusions. Any loadings, exclusions or qualifying periods will be explained to you before you commit to a policy.
Can I get covered if I'm deploying within 12 months?
Yes, in most cases. It is strongly recommended that you arrange life insurance before a deployment rather than waiting until you return. Our advisers can discuss your specific deployment circumstances and work to get cover in place quickly. Call us on 01233 885410 for more detail.
Does having my own life insurance policy affect my AFCS entitlement?
No. The Armed Forces Compensation Scheme (AFCS) and any personal life insurance policy you hold are entirely independent of one another. A personal policy will not reduce, offset, or otherwise affect any AFCS award made to you or your family. Equally, receiving an AFCS payment has no bearing on your personal life insurance policy’s payout.
What happens to my cover when I leave the armed forces?
A personal life insurance policy you take out through Absolute Military is yours, it is not tied to your employment with the MOD. When you leave service, your policy continues in exactly the same way, at the same premium, regardless of what civilian job you move into. This is one of the significant advantages of taking out personal cover during your service rather than relying solely on MOD benefits that end when you leave.
How quickly can I get covered?
In most cases, cover can be arranged within 24 hours of completing your application. You can get an indicative quote in under 5 minutes. Some cases may require additional medical underwriting, which could extend the timeline slightly our advisers will keep you informed at every step. Call 01233 885410 or use the online quote form to get started.
Is Absolute Military authorised by the FCA?
Yes. Absolute Military is a trading style of Just Advice Solutions Ltd (Company Registration No. 11008004), which is authorised and regulated by the Financial Conduct Authority (FCA Reference No. 796907). You can verify this at any time on the FCA Register. As an FCA-regulated broker, we are subject to strict rules about the advice and information we provide, giving you important protections as a consumer.
What serving personnel say about us
UK Customer Experience Awards 2022 Finalist
Gold Armed Forces Covenant Holder
Best Specialist Military Insurance Brokerage
FCA Authorised & Regulated
Absolute Military is a trading style of Just Advice Solutions Ltd (Company Reg No.11008004). We are authorised and regulated by the Financial Conduct Authority, FCA Reference No. 796907.
We work in partnership with the Money and Pensions Service and hold a Gold Armed Forces Covenant. Your money is protected and our advice is regulated. You can check our authorisation on the FCA Register at any time.
Suite 26, 80 Churchill Square, Kingshill, West Malling, Kent, ME19 4YU | Tel: 01233 885410 | info@absolutemilitary.co.uk
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