Life Insurance with Tesco benefits.
You’ll get some great shopping benefits when you buy Tesco Life Insurance. Plus, health and wellbeing benefits with Aviva DigiCare+.
You’re in line for a Big Win - and Little Life Helps too
Whatever type of Life cover you choose, you’ll get a Big Win and lots of Little Life Helps to make shopping at Tesco a whole lot easier. Plus, some great health benefits from Aviva, our life insurance partner.
Your Big Win from Tesco Insurance
With our Big Win, you’ll get:
- A £100 Tesco Gift CardA £100 Tesco Gift Card
- Yours to spend in any Tesco storeYours to spend in any Tesco store
We’ll email your gift card to you after you’ve paid 6 months’ premiums with instructions on how to use it. You’ll need a current Tesco Life Insurance policy to be eligible. And it’s one gift card per policy.
Your Little Life Helps from Tesco Insurance
When you buy Tesco Life Insurance, you’ll also get:
- Money-off coupons to use in Tesco for a full yearMoney-off coupons to use in Tesco for a full year
- Includes £15 off your shopping and £5 off fruit & vegIncludes £15 off your shopping and £5 off fruit & veg
Your coupons will appear automatically in your Tesco app after your policy starts. You’ll need to have the Tesco app on your phone and be opted in to marketing to get them.
If you need help with your Tesco benefits, please get in touch.
How to use your Tesco shopping benefits
- Get your coupons
Open the coupons section in your Tesco app. - Choose a coupon
Choose a Little Life Helps coupon from the list. - Add to Clubcard
Add it to your Clubcard or scan a barcode at the till.
You’ll need to be opted in to Tesco marketing to get your coupons in the app. To see if you’re opted in, open your Tesco app, go to your Account and select Marketing preferences.
Aviva DigiCare+ app
As well as your Tesco benefits, you’ll get some great benefits from Aviva, our Life Insurance partner.
The Aviva DigiCare+ app is a health and wellbeing service that includes:
- Unlimited Digital GP consultations. Get access to unlimited Digital GP consultations- 24/7, 365 days a year.Unlimited Digital GP consultations
Get access to unlimited Digital GP consultations - 24/7, 365 days a year. - Physical health support. Access up to 8 sessions per year with a qualified personal trainer, designed to support your physical wellbeing and help you build healthier lifestyle habits.Physical health support
Access up to 8 sessions per year with a qualified personal trainer, designed to support your physical wellbeing and help you build healthier lifestyle habits. - Mental health support. Get help from a qualified therapist to support your mental health, with 8 sessions a year.Mental health support
Get help from a qualified therapist to support your mental health, with 8 sessions a year. - Nutritional support. Get expert advice on eating well from a qualified nutritionist, with 8 sessions a year.Nutritional support
Get expert advice on eating well from a qualified nutritionist, with 8 sessions a year. - A second opinion service. Ask a medical expert to look at your diagnosis and treatment, to get some reassurance.A second opinion service
Ask a medical expert to look at your diagnosis and treatment, to get some reassurance. - Bereavement support. Get practical and emotional support if you lose someone close to you.Bereavement support
Get practical and emotional support if you lose someone close to you. - Bupa Anytime HealthLine. Talk to a qualified Bupa nurse about your health concerns, 24 hours a day. Your partner and children up to 18 years old (or 21, if they’re in full-time education) can use it too.Bupa Anytime HealthLine
Talk to a qualified Bupa nurse about your health concerns, 24 hours a day. Your partner and children up to 18 years old (or 21, if they’re in full-time education) can use it too. - An annual health check*. Check your risk of diabetes and high cholesterol, as well as your liver, kidney and bone health.An annual health check*
Check your risk of diabetes and high cholesterol, as well as your liver, kidney and bone health.
*The health check is a chargeable service.
The Aviva DigiCare+ app is for free for iPhone and Android. Once your policy’s up and running, download it, pop in your details and start making the most of the benefits.
The Aviva DigiCare+ app is provided by Square Health. The services are provided by Square Health and other selected partners and can be changed or withdrawn at any time. You’ll find full details about the services, plus terms and conditions, in the app.
Apple Touch ID and Face ID are available on selected Apple devices. Android Fingerprint is available on selected Android devices. Not all features and services in the app are currently available for every product. The MyAviva app is not currently available in the Isle of Man. Mobile data charges may apply.
Get a Life Insurance quote
Find the right cover to give financial support to your family after you’ve gone.
Important information
About Tesco Life Insurance
Tesco Life Insurance is arranged, administered and underwritten by Aviva Life & Pensions UK Limited.
Tesco Personal Finance Ltd acts as an introducer to Aviva Life & Pensions UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Member of the Association of British Insurers. Firm Reference Number 185896.
Aviva Life & Pensions UK Limited. Registered in England & Wales No. 3253947. Registered Office: Aviva, Wellington Row, York, YO90 1WR. Tesco Personal Finance Ltd and Aviva Life & Pensions UK Limited. are not part of the same corporate group.
About Tesco Insurance
Tesco Insurance is a trading name of Tesco Personal Finance Ltd, Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ (registered in Scotland, no SC173199) which is authorised and regulated by the Financial Conduct Authority (register no. 186022).
Aviva DigiCare+ app
With the Aviva DigiCare+ app, you can start using a range of health and wellbeing services when you take out your policy.
Members of your family can use it too, as long as they're eligible.
The Aviva DigiCare+ app is provided by Square Health. The services are provided by Square Health and other selected partners.
You'll find full details about the services in the app, along with the terms and conditions, residency restrictions and privacy policy.
Aviva DigiCare+ is a non-contractual benefit that could be changed or withdrawn by Aviva at any time. So, it won't appear in any contract you've signed, or in any terms and conditions.
Life Insurance policy booklets
Please check the policy documents to make sure the cover you’ve chosen meets your needs.
The policy booklet and product information documents tell you about the benefits, limitations and exclusions that’ll apply to your cover.
The Big Win - £100 Tesco Gift Card
Terms and conditions
- To qualify for a £100 Tesco Gift card, you must have a current Tesco Life Insurance policy and have paid 6 months' premiums.To qualify for a £100 Tesco Gift card, you must have a current Tesco Life Insurance policy and have paid 6 months' premiums.
- We will only issue one gift card per current Tesco Life Insurance policy irrespective of the number of people covered under that policy.We will only issue one gift card per current Tesco Life Insurance policy irrespective of the number of people covered under that policy.
- We limit the number of Tesco Gift Cards you'll receive to one per person even if you hold multiple current Tesco Life Insurance policies with us.We limit the number of Tesco Gift Cards you'll receive to one per person even if you hold multiple current Tesco Life Insurance policies with us.
- We'll send your Tesco Gift Card to the email address you used when applying for your Tesco Life Insurance policy.We'll send your Tesco Gift Card to the email address you used when applying for your Tesco Life Insurance policy.
- Tesco Gift Cards should be treated like cash. Lost or stolen cards can’t be replaced.Tesco Gift Cards should be treated like cash. Lost or stolen cards can’t be replaced.
- You'll get an e-gift card, which can be used in any UK Tesco store. Please note, your Tesco Gift Card can’t be used in Tesco Petrol Stations.You'll get an e-gift card, which can be used in any UK Tesco store. Please note, your Tesco Gift Card can’t be used in Tesco Petrol Stations.
- Tesco’s change of mind policy does not apply to gift cards. If you change your mind, you can’t return your Tesco Gift Card for a refund. Your legal rights are not affected.Tesco’s change of mind policy does not apply to gift cards. If you change your mind, you can’t return your Tesco Gift Card for a refund. Your legal rights are not affected.
- Your Tesco Gift Card and balance will expire five years after the date you activated your card, or the date you last used your card, whichever comes later.Your Tesco Gift Card and balance will expire five years after the date you activated your card, or the date you last used your card, whichever comes later.
- Damaged, altered or cancelled cards won’t be accepted as payment.Damaged, altered or cancelled cards won’t be accepted as payment.
- Your Tesco Gift Card can’t be used to buy another Tesco Gift Card, or to buy other gift cards sold in-store or online at tescogiftcards.com. Your Tesco Gift Card can’t be used to buy another Tesco Gift Card, or to buy other gift cards sold in-store or online at tescogiftcards.com.
- We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.
Little Life Helps - Tesco shopping benefits
Terms and conditions
- You’ll get money-off coupons to spend on your Tesco shopping for one year, starting from the date you get your first coupon.You’ll get money-off coupons to spend on your Tesco shopping for one year, starting from the date you get your first coupon.
- You’ll need to have the Tesco app on your mobile phone and be opted in to marketing.You’ll need to have the Tesco app on your mobile phone and be opted in to marketing.
- The coupons will appear automatically in your Tesco app.The coupons will appear automatically in your Tesco app.
- You'll get up to 5 Tesco coupons throughout the year, which could include £15 off your total shop and £5 off fruit & veg.You'll get up to 5 Tesco coupons throughout the year, which could include £15 off your total shop and £5 off fruit & veg.
- We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.
Tesco Life Insurance is provided, administered and underwritten by Aviva Life & Pensions UK Limited.
Aviva have a 5-star rating for life insurance from Defaqto. And they pay out on 98.8% of life insurance claims*.
*Aviva UK individual claims report 2025, based on claims paid in 2024.
To check your cancellation rights, and the charges for changing or cancelling your policy, please see Aviva's insurance services and the cancellation section of the policy terms and conditions.
Your Tesco Clubcard data
We'll search our records for your Tesco Clubcard number. If you have a Clubcard, we may access and use information from it (including your name, address and details about your transactions). This'll help us, and your insurer, to assess your premium - but don't worry, it'll only be used to make a positive impact on your premium.
How we collect and use your data
Tesco Personal Finance Ltd takes the security of your data seriously. You can find detailed information about how we collect and process your data, and your rights under data protection law, in our Privacy Policy.
We collect data when you browse our website (for example, your IP address), request a quote, partially complete a quote, don't purchase a policy or provide data indirectly via a price comparison website. We keep quote data for up to 7 years and may use this information if you apply for one of our products again in the future.
We'll use your data to give you quotes, provide our services to you, carry out eligibility checks, work out insurance risk, manage debt, protect you and us against fraud and financial crime, and manage and develop our business. Automated decisions may be taken to detect crime.
We use data such as your name and address to find any Clubcards that are linked to your address. That might be your Clubcard, the Clubcard of other family members, or the Clubcard of house or flat mates. We may use this information to tailor our communications to you, and to try to bring you better terms, deals or offers, which may include profiling on an on-going basis. We may also award Clubcard points.
Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies (FPAs). The FPAs will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, this may be shared with other organisations and you could be refused certain services, finance or employment.
Tesco Life Insurance is arranged, administered and underwritten by Aviva Life & Pensions UK Limited. To find out how they process and share your data, see Aviva’s Privacy Policy.
By proceeding with your application you acknowledge that we can use your data in this way.
Help for Life Insurance customers
If you’re already a Tesco Life Insurance customer, find out how to manage your policy, get in touch or make a claim.
Frequently asked questions
If you’ve got a mortgage, it might be a good idea to get life insurance. If you die during the term of the policy, the lump sum can help to pay off the outstanding balance on your mortgage, so your family can stay in their home. Some lenders strongly recommend taking out life insurance as part of their mortgage offer.
Mortgage Protection, also known as decreasing term life insurance, is built with mortgages in mind. And it’s one of the options with Tesco Life Insurance.
You can learn more about life insurance and mortgages in our guide - Do you need life insurance for a mortgage?
With Tesco Life Insurance, you can have more than one policy. However, if your total cover is high, Aviva, our life insurance provider, might need to do a more in-depth financial assessment to make sure they’re insuring you for the right amount.
There isn’t an average monthly cost. The price you pay for life insurance depends on: the type of policy, how much you’re covered for, the term of the policy, and the things your insurer will want to know about you, like your age and health.
Tesco Life Insurance starts from only £5 a month. And, whatever your monthly premium, you’ll get a discount with your Clubcard.
Getting life insurance cover to meet your needs depends on your own individual circumstances. For example, if:
- you’re married or have a partneryou’re married or have a partner
- you have childrenyou have children
- you’ve got a mortgageyou’ve got a mortgage
You can find out more about the different types of life insurance in our guide - Types of life insurance explained.
With Tesco Life Insurance, you can choose from 2 options: Family Protection (Level Cover) or Mortgage Protection (Decreasing Cover). And they’ll pay out if you die, or become terminally ill, during the term of the policy.
Family Protection, also called Level Cover, lets you leave a cash lump sum, which can help your loved one with living expenses if you’re no longer around to look after them.
Mortgage Protection, also known as Decreasing Cover, can help to pay off a mortgage, so your family can continue to live in their home after you’re gone. You can learn more about life insurance and mortgages in our guide - Do you need life insurance for a mortgage?
Get in touch
Need to talk to someone about Tesco Life Insurance? Our partners at Aviva will be happy to help.