Life Insurance
Life Insurance

Look after your loved ones when it matters most

From as little as £5 per month

Life Insurance

5 star rated by Defaqto - a trusted industry expert

up to

10% off

monthly premiums for life use code LWOOD10

Saving the average customer in excess of £1,000 over the lifetime of the cover!*

*Based on the average premium of £34.78 over an average term of 27 years. The discount that you will receive will be confirmed when you receive your quote. Figures provided by Zurich based on 2020 statistics for all direct to customer business.

This offer is only available to Littlewoods customers who purchase Zurich Life Insurance or Zurich Life Insurance with Critical Illness via the below link before 12/12/2020 and enter code LWOOD10 during the quotation. The code cannot be used in conjunction with any other promotional code. Offer excludes anyone who has taken out a Zurich Life Insurance plan within the last 12 months and then cancelled it.

Get a quote

This link will take you to the Zurich website

Shop Direct Finance Company Limited introduces Life and Critical Illness cover and is paid for this introduction. All products are provided by Zurich Assurance Ltd.

Why Zurich life insurance?

We know how important family is, so you'll want to make sure they're financially protected by providing a lump sum should the worst happen or you get ill.

That's why we've partnered with Zurich to offer life insurance and critical illness cover.

Life Insurance

Peace of mind from £5 a month

Affordable life cover to protect you and your family

Life Insurance

You're in safe hands

Part of one of the world's largest insurers

Life Insurance

Doing the right thing

In 2019, Zurich paid out 99% of all their death claims and 90% of all their critical illness claims

Life Insurance

Here for you

Access to Zurich Support Service for you and your family, giving free, impartial and confidential help and guidance including health and wellbeing advice, legal guidance and money management support

Life Insurance

This insurance plants trees

For every life insurance policy bought, Zurich pledge to plant one tree with Tree-Nation.

What is life insurance?

Life insurance gives you the peace of mind that your loved ones will get a cash lump sum if you die or get seriously ill during the term of your policy. It can help them cover costs such as funeral expenses, household bills or debts.

Life insurance

Life Insurance

Provides a lump sum if you die or become terminally ill with less than 12 months to live

Life Insurance

Cover your mortgage, or other financial commitments you don’t want to leave behind for someone else to deal with

Life Insurance

Cover living expenses and other things your loved ones may need assistance with

Life Insurance

Flexible cover to suit you and your family's circumstances

Life Insurance

Optional cover available for broken bones, dislocations & ligament damage

Please click here to review the Key Features and Exclusions, certain pre existing conditions and types of illness may be excluded. It is important you read the documentation provided to ensure this cover meets your Demands and Needs.  

Get a quote

This link will take you to the Zurich website

Life insurance & critical illness cover

Life Insurance

Provides a lump sum if you die or become terminally ill or suffer a critical illness that your policy covers

Life Insurance

Helps absorb the financial impact of serious illness such as cancer, heart attack or stroke

Life Insurance

You can take out critical illness with a life insurance policy

Life Insurance

You can choose how much cover you would like, and for how long

Life Insurance

You can also add cover for your children

Please click here to review the Key Features and Exclusions, certain pre existing conditions and types of illness may be excluded. It is important you read the documentation provided to ensure this cover meets your Demands and Needs.  

Get a quote

This link will take you to the Zurich website

Shop Direct Finance Company Limited introduces Life and Critical Illness cover and is paid for this introduction. All products are provided by Zurich Assurance Ltd.

Shop Direct Finance Company Limited. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Zurich Insurance PLC. Registered office: The Zurich Centre, 3000b Parkway, Whiteley, Fareham, Hampshire, PO15 7JZ. Registered number: 203093. Authorised and regulated by the Financial Conduct Authority

Zurich Assurance Ltd, authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority. Zurich Assurance Ltd is entered on the Financial Services register under number 147672. Registered in England and Wales under company number 02456671. Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.

Remember, avoid paying all interest by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

1

What is Buy Now Pay Later?
Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more.

How interest is calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. This calculation factors in the planned payments that are requested during the repayment period. Your interest rate is personal to you and will be detailed in checkout.

How to avoid paying interest?
You can avoid paying all interest for both periods by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.

Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable.

How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific item(s) you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?
If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. This will now be included in your account minimum payment request each month.

If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.

Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least your minimum payment as shown on your statement.