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ARMED FORCES<br>Life Insurance Experts

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Best armed forces life insurance

Getting life insurance for armed forces personnel is the best way to protect your family should anything happen to you.

A life insurance policy will give you peace of mind that your loved ones are financially secure in the future. Your cover will pay out a lump sum to your partner and your children to replace any lost income and clear outstanding debts.

Services branches for the British military

  • British Army
  • Royal Navy (and Royal Marines)
  • Royal Air Force (RAF)

According to statistics in 2021, the British Armed Forces has approximately 153,000 Regulars and Gurkhas, 37,000 Volunteer Reserves, and just over 8,000 General Personnel. In total there are just under 200,000 British Service Personnel.

Mortality rates in the British Armed Forces in 2020 were *38 deaths per 100,000 personnel.

*Figures are based on ‘UK armed forces mortality rates 2006-2021’ produced by Statista.

In this article, we look at what life insurance can do for armed forces personnel and the best options for people in the armed forces.

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About life insurance for Armed Forces personnel

There are many different types of roles and complex situations in the Armed Forces so it’s our job to help protect as many service personnel as we can.

Here are some of the answers to some of the most common questions that we get asked by our Armed Forces customers.

Does life insurance cover Armed Forces personnel?

Yes – you should in most cases be able to get life insurance if you are a member of the British Armed Forces.

If you have a life insurance policy in place already then your family will receive a lump sum if you die, during your occupational duties or outside of the Armed Forces. A life insurance policy is designed to pay out a tax-free lump sum to your beneficiaries to protect your loved ones if you die.

Payments from your policy can be used for almost any reason, including:

  • Pay mortgage balance
  • Rent payments
  • School fees
  • Cost of living

Some of the most common types of life insurance will either protect your family if you die and pay out a level lump sum or cover a mortgage (decreasing).

Will critical illness cover payout to Armed Forces personnel?

Yes – if you have a critical illness cover policy in place then you will receive a lump sum if you are diagnosed with a serious medical condition.

Some of the most common conditions that are covered under most critical illness cover policies will include:

  • Cancer
  • Stroke
  • Heart attack
  • Loss of limbs
  • Loss of sight
  • Dementia
  • Multiple sclerosis

Your critical illness cover policy is designed to pay out a cash lump if you are diagnosed with a serious illness. Payments from this type of cover are generally used to replace your income and clear certain debts.

Can Armed Forces personnel get life insurance?

Yes – there should be a number of options available to most Armed Forces personnel which can depend on your role and your duties.

There are also several insurance providers that specialise in offering life insurance to Armed Forces personnel. Your options for life insurance will also depend on a number of other key factors, such as:

  • Are you in active deployment?
  • What is your role in the Armed Forces?
  • Which branch of the Armed Forces are you in?
  • Are you likely to be deployed?

You should speak to an expert to get specialist advice if you are a member of the Armed Forces. There will be a number of ways to make sure that you get the best cover to protect your family and reduce your premiums.

Some insurers are far better than others for Armed Forces life insurance terms so an expert will know which are best for you.

Insurance underwriting for Armed Forces personnel changes regularly so there may be different options available to you depending on when you apply.

Armed Forces life insurance companies

There are several companies that specialise in offering life insurance to Armed Forces personnel. We generally work with all insurers and know which will offer you the best terms for your role or circumstances.

It can be slightly more difficult to find the right cover if your duties are classified as dangerous or at higher risk.

There are some insurers that are clearly better than others when underwriting and assessing applications for Armed Forces life insurance. You will also find that insurers can offer cover for Armed Forces personnel for a period of time and then change their stance.

Some of the best life insurance companies for Armed Forces personnel are:

  • AIG
  • Legal & General
  • Royal London
  • Vitality
  • Zurich

Armed Forces reserve life insurance

If you are a member of the Armed Forces reserves then you will need to disclose this on your life insurance application.

Insurers will want to know what your role in the Armed Forces reserves is and how likely you are to be called to active duty. You should be able to get life insurance as an Armed Forces reservist under most circumstances.

You should also think about speaking to a specialist in this instance to get the best options and rates for life insurance as an Armed Forces reservist.

Can Armed Forces personnel get critical illness cover?

Yes – in most cases you should also be able to get critical illness cover as a member of the Armed Forces.

It is likely that you should be able to get critical illness cover from most providers if you are eligible for life insurance. There may be some special terms applied to critical illness cover policies for Armed Forces personnel.

For example, if you work with explosives then you might be excluded from loss of limbs due to the increased risks from your job.

Critical illness cover is designed to protect you from serious medical conditions like cancer, stroke, and heart attack. You should consider this type of policy to protect your family if you become too ill to work due to diagnosis.

Jobs in the Armed Forces

There are more than 200 different jobs and roles in the Armed Forces, and the most common roles are:

  • Tank crew
  • Infantry Soldier
  • Electronics Technician
  • Cyber Engineer
  • Musician or Ceremonial Officer
  • Medical Officer (including doctors, nursing staff, veterinary officer, mental health nurse, etc.)
  • Sniper
  • Military Police Officer
  • Paratrooper
  • Driver
  • Dog Handler
  • Para Trooper
  • Pilots and Helicopter Pilots
  • Engineers
  • Weapons Technician
  • Intelligence
  • Communications Operator
  • Air Traffic Controller
  • HR Officer
  • Accountancy and Finance

You can also get more information about jobs in the Armed Forces then you should seek advice from the recruitment departments.

Common questions about the Armed Forces

Here are some of the most common questions that people ask about the British Armed Forces.

What are the different branches of the British Armed Forces?

There are three separate branches of the Armed Forces in the United Kingdom: the British Army, the Royal Navy, (and the Royal Marines), and the Royal Airforce.

How many Armed Forces personnel are there in the United Kingdom?

In 2021 each department of the British Armed Forces had the following numbers of personnel; British Army – 82,230, Royal Airforce – 33,200, Royal Navy – 27,210 and Royal Marines – 6,640.

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