Free Parent Life Cover

Before You Start

Post Office Money® Free Parent Life Cover is sold and provided by The Royal London Mutual Insurance Society Limited (Royal London).

References to 'we', 'us' or 'our' mean Royal London.

Please ensure that you fit the eligibility criteria listed below for Free Parent Life Cover and that all the information you provide is complete and accurate. If it’s not, the policy may not pay out in the event of a claim.

  • You can apply for Free Parent Life Cover if you are:
    • aged 18 to 66
    • you are a UK resident, and
    • named on the child's birth certificate, adoption certificate, final residence order or special guardianship order.
  • You cannot apply if you have had a positive diagnosis of HIV infection or within the last 12 months received medical treatment for cancer (including leukaemia and lymphoma).
  • The policy will not pay out if you commit suicide or you die as the result of attempted suicide, a self-inflicted injury, an HIV-related illness, or your death is linked to being under the influence (temporarily or otherwise) of alcohol or drugs.
  • Cover will expire after 12 months.
  • You can apply once for each child you have (up to a maximum of eight children), so if you’ve already made a previous application for the same child with Post Office Money you cannot reapply.
  • Each child must be under 4 years old.
  • You will need to answer three survey questions on safeguarding your family's future.

Please take some time to read the Key Information Pack below, which describes the main features of Post Office Money Free Parent Life Cover.

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Can we help?

If you have any questions, call:

0330 123 1376

8am - 7pm, Mon - Fri
9am - 5pm, Sat


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