Life insurance

Start your search for a good value life insurer by taking a look at Fairer Finance's spring ratings.

Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.

NOTE: Due to the COVID-19 pandemic, the publication of claims data has been delayed for a number of insurance brands. For this reason, the Life Insurance Customer Experience ratings for Spring 2020 were calculated using the 2018 claims data. The Autumn 2020 Ratings will be calculated with the 2019 claims data, as normal.

Brand Claims
score
Complaints
performance
Transparency
rating
Customer Experience rating

What does this mean?

What does this mean?

What does this mean?

Gold

Budget

Budget
99.32% 92.5% 62.22% 83%
Gold

Smart Insurance

Smart Insurance
99.32% 100% 49.99% 81%
Gold

Beagle Street

Beagle Street
99.32% 92.5% 55.22% 80%
Gold

Virgin Money

Virgin Money
99.32% 92.5% 52.79% 79%
Gold

Scottish Widows

Scottish Widows
99.20% 87.73% 56.2% 79%
Gold

NFU Mutual

NFU Mutual
100.00% 79.4% 52.8% 77%
Gold

Lloyds Bank

Lloyds Bank
99.19% 87.73% 50.98% 77%
Silver

HSBC

HSBC
99.89% 88.26% 39.61% 76%
Silver

Santander

Santander
98.90% 84.96% 51.28% 75%
Bronze

Canada Life

Canada Life
99.50% 85.44% 41.72% 74%

Aviva

98.90% 84.96% 44.4% 73%

Vitality Life

99.30% 78.73% 42.36% 71%

Zurich

99.20% 65.89% 51.7% 70%

Aegon

98.03% 87.38% 41.35% 70%

Royal London

96.28% 74.25% 69.46% 69%

Nationwide

96.64% 81.31% 52.89% 67%

Co-operative Insurance

96.23% 74.25% 62.61% 67%

Sainsbury's

96.64% 81.31% 51.49% 66%

Barclays

96.64% 81.31% 50% 66%

AIG Life

97.50% 76.98% 43.19% 65%

Legal & General

96.64% 81.31% 45.03% 64%

Direct Line

96.64% 81.31% 43.67% 64%

Post Office Money

96.28% 74.25% 52.44% 63%

LV=

95.65% 75.7% 53.4% 62%

More customer experience ratings