Life insurance

Because life happens: Preparing your family for the unexpected.

Love protected. Life insured.

Know that no matter what life throws your way, your loved ones are taken care of financially.

Freedom to support your loved ones.

Ensure they have the financial support to cover final expenses during challenging times.

Big protection, small price.

Family protected, starting at £2 a month. Breathe easy knowing they're secure.

Planning for the unexpected, together.

Choose from three levels of cover to expand your protection that covers both you and your spouse.

What's included?

Life doesn't stop when you're gone. Neither should your support

Our life cover ensures your loved ones have the resources they need to navigate through this difficult transition, whether it's covering funeral expenses, managing everyday costs, or simply having time to adjust.

How it works

Automatic direct debit

If people depend on you, life insurance isn't just an option, it's a foundation of security.

We set you up on a monthly direct debit, so that you never have to worry about missing a payment.

Individual Cover

One life, one plan: Solo coverage for individual needs

With individual life cover, you choose a single person to be insured. If that person sadly passes away, the insured amount will be paid to their next of kin (usually their closest family members).

Couple Cover

Together in life, protected in loss: Couple coverage for lasting support

If you choose couple cover, both you and your partner are insured. If one of you passes away, the insured amount will be paid to the surviving partner.

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What's not covered

What we can't cover under our life insurance

Pre-existing conditions and recreational drugs may affect coverage. Check your eligibility here.


Affordable protection that fits your budget

Life insurance doesn't have to break the bank. We offer flexible coverage starting at just £2 per month¹. Your cover will differ based on your age group and the benefit level chosen - £5,000, £10,000 or £20,000.

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Important information

Information you should know

Cover is available for those aged 18 and above. Unlike some other providers, we'll cover you up to the age of 69 inclusive, as long as you're a resident of the UK. Premiums will increase with age and the new premium will be collected at the new age band on the first payment following the older Insured Person's birthday.

Not right for you?

We understand that life insurance isn't for everyone, which is why we offer multiple plans designed for anyone seeking financial security to choose from:

Personal Accident Insurance

Secure your financial future with personal accident coverage that will provide you with a significant lump sum if you need to take time off to recover from an injury.

Learn more

Cancer Insurance

This cover provides a significant lump sum to help you manage the costs and challenges of cancer. It's designed to be a financial cushion as you focus on getting the best treatment and support.

Learn more

Need to know

No advice has been given by BHSF in relation to the sale of this product. For full terms, conditions and exclusions of the policy, please see the policy details. All benefits payable are subject to BHSF policy terms – you can request a copy of these via email: enquiries@bhsf.co.uk or telephone: 0121 454 3601.

¹Based off the minimum individual cover for those aged between 18-40.

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Plan for the future with ease. Get a quote online for our life insurance cover.

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