AXA Life Insurance UK

If you are looking for the best life insurance policy, AXA Life Insurance UK could be the answer.

• You can decide your policy term that suits your family financial protection goals.
• You can determine how much cover you need based on your personal circumstances, like the age of your family or the size of your mortgage.
• Your circumstances are assessed, so the monthly premiums are affordable.

Axa Life Insurance UK

Here are the types of AXA Insurance:

• Joint life insurance policy
• Term life insurance
• Critical illness cover
• Terminal illness cover
• Level term life insurance
• Interest only mortgage
• Decreasing term life insurance
• Mortgage life insurance
• Health and wellbeing services cover

When you make a life insurance application, it’s important to consider the following:

• Life insurance cost
• Do you have a repayment mortgage, and would decreasing the cover be good for you? A repayment mortgage decreases the principal of the debt over time.
• How much life insurance do you need?
• Do you need cover for a serious illness?
• Should I add critical illness cover?
• Would a joint policy offer better value or a lower overall cost, or is a single life insurance policy best?
• Do you have mental health issues?
• Do you understand your own life expectancy, medical conditions and other financial commitments?

Axa Over 50 Life Insurance Policies

If you are over 50 and looking for life cover, Chimat has a life insurance calculator that can help you compare life insurance costs from AXA or other providers.

• No Medical Exams Required: Over 50s life insurance from AXA does not require a medical questions, making it easier for individuals with pre-existing conditions to obtain coverage.
• Guaranteed Acceptance: Most over 50s life insurance policies offer guaranteed acceptance for individuals within the age range, usually between 50 and 80 years old.
• Fixed Premiums: The premiums for life insurance for people over 50 are usually fixed, meaning they do not increase over time. This helps with budgeting and financial planning.
• Cash Payout: These policies provide a lump sum cash payout to beneficiaries upon the policyholder’s death. The payout can be used to cover funeral costs, outstanding debts, or bequeath to family members.
• Cover for Life: Once you have taken out a policy, you are covered for life as long as you continue to pay the premiums. This offers peace of mind that your loved ones will receive a payout when you pass away.
• Affordable Premiums: Premiums for life insurance for people over 50 are generally affordable, making it accessible for individuals on a fixed income or budget.
• Accidental Death Benefit: Some policies include an additional payout if death occurs due to an accident within a specified period after the policy starts.
• Easy Application Process: The application process for over 50s life insurance is straightforward and quick, often with the ability to apply online or over the phone.
• Funeral Expenses Cover: Many policies specifically cover funeral expenses, providing financial relief to your family during a difficult time.
• Free Benefits: Some insurers offer additional benefits as part of the policy, such as discounts on health services, access to legal advice, or bereavement counselling.

Axa Insurance Reviews – not just for a new life insurance policy!

AXA offers insurance for many things, as well as life insurance cover. You can read the Trustpilot reviews here, the Feefo reviews here, Reviews.io here, and Which?.

The 1-star reviews on Trustpilot appear genuine, and some are quite unreasonable.

AXA Life Insurance Reviews

Reviews.io – 25th July 2024

John Smith, Manchester: “I have been with AXA for over a year and am delighted with their service. The application process was straightforward, and I pay a premium of £25.14 per month. Their customer support is always responsive and helpful.”

Jane Franks, London: “AXA life insurance has been a great choice for me. I pay £30 a month and feel secure knowing my family is protected. The policy terms are clear and easy to understand. I highly recommend them!”

Google Reviews – 1st July 2024

Emily Johnson, Birmingham: “I recently switched to AXA life insurance and couldn’t be happier. The premium is £27 per month, and the coverage is excellent. The staff are friendly and always ready to assist with any queries.”

Michael Brown, Edinburgh: “After comparing several options, I chose AXA for their competitive rates and good reputation. I pay £28 a month and appreciate the peace of mind it provides. Their online portal is also very user-friendly.”

Trustpilot – 15th June 2024

Sarah Williams, Bristol: “I’ve been an AXA customer for two years, paying £26.67 monthly. The service has been impeccable, and their team is always willing to go the extra mile to ensure I’m satisfied. I would recommend AXA to anyone looking for reliable life insurance.”

David Taylor, Glasgow: “AXA life insurance has met all my expectations. The £24.41 monthly premium is affordable, and the coverage is comprehensive. Their top-notch customer service is excellent, and I feel well taken care of.”

Axa Insurance Quotes for UK Residents

How to Get an AXA Life Insurance Quote – written by a real policyholder in May 2024

Mark E, Liverpool: “Getting an AXA life insurance quote was straightforward. Here’s how I did it:

1. Visit the AXA Website: I started by visiting the AXA UK website. The site is user-friendly and easy to navigate. I quickly found the section for life insurance quotes.
2. Fill Out the Online Form: The life insurance page offered the option to get a quote. I clicked on it and filled out a simple form with my details, including my age, health status, and the coverage I sought.
3. Customise Your Quote: After submitting the form, I customized my quote based on different coverage amounts and terms. This allowed me to see how changes would affect my monthly premium.
4. Review and Compare: I reviewed the details carefully once I had my customised quote. AXA provided a clear breakdown of the costs and benefits, making it easy to understand what I was paying for.
5. Contact AXA for Assistance: I had a few questions about the policy and called AXA’s customer service. The representative was very helpful and answered all my queries, ensuring I had all the information I needed to make an informed decision.
6. Finalise Your Policy: I was satisfied with the quote and the information provided, so I finalised my policy online. I now pay a premium of £28.14 per month, which I find very reasonable for the coverage and peace of mind it provides.”

“Overall, I found getting an AXA life insurance quote efficient and transparent. I highly recommend AXA for their excellent customer service and straightforward approach.”

Axa Insurance Over 50s for a UK resident

Here are some of the key features of the cover, including the cash lump sum:

• Guaranteed acceptance if you are over 50 and under 85 years old
• No medical questions are asked
• Monthly payments never rise, regardless of inflation or stock market performance, and they start at £5 a month.
• Get a cash payout of up to £20,000
• Get £250 towards your funeral in addition to the cash payout
• AXA pay 100% of claims, usually within 96 hours

Axa Life Insurance for family everyday living expenses

Get a financial safety net in the form of a tax-free lump sum for your loved ones if the worst happens.

A financial adviser may suggest you buy life insurance so your family are financially protected, as long as you don’t stop paying the premiums and you don’t lie about your smoker status.

Axa Life decreasing life insurance

This is an AXA life policy described well by an existing policyholder. A decreasing cover expert!

Emily C, Leeds: “When looking for life insurance, I decided to go with decreasing term life insurance. Here’s a bit about my experience and why I chose this type of policy:

Decreasing term life insurance is a type of life insurance in which the cover amount decreases over the policy’s term.

This means the payout your beneficiaries would receive if you were to pass away decreases as time passes.

It is often used to cover financial obligations, such as a mortgage, that reduce over time.

I live in Leeds, and after researching different options, I found that decreasing term life insurance suited my needs perfectly.

I recently purchased a home and wanted to ensure that my mortgage would be covered if anything happened to me.

Since my mortgage balance will decrease over time as I make payments, a decreasing term policy aligns well with this decreasing liability.

One of the main benefits of decreasing term life insurance is that it typically has lower premiums than level term life insurance.

I pay a premium of £22 per month for my policy, which I found quite affordable considering its coverage.

This lower cost is because the insurer’s risk decreases over time as the payout amount decreases.

The application process was straightforward. I filled out an online form with my details, including my age, health status, and the amount of coverage I wanted initially.

After reviewing a few quotes, I chose a policy that offered the right balance of coverage and affordability.

Decreasing term life insurance is an excellent option for those with financial obligations that decrease over time, such as a mortgage.

It offers peace of mind knowing that your loved ones won’t be burdened with debt if something happens to you, all while keeping premiums manageable.

I highly recommend considering it if you’re in a similar situation.”

Axa Insurance Quote with optional critical illness cover

Chmat advisors believe that a critical illness policy is of equal or even more importance than a life insurance payout cover.

To get the best price for both types of insurance, it can be wise to get them both simultaneously.

This offers the best financial support, minimising the financial burden on your loved ones in many circumstances.

Saga Life Insurance Over 70

Another popular life insurance provider is Saga Life Insurance Over 60. It is similar to AXA over 50 life insurance in many ways but could be better for some people.

AXA Insurance UK Plc is registered in England and Wales under registration number 078950.

It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register number 202312.

AXA Insurance UK Plc’s registered address is: