Beagle Street life insurance [2024]

Beagle Street offer straight-forward life insurance options that are worth exploring if you know what cover you need and you’re happy to use an online application process.

With an ‘Excellent’ rating on Trustpilot and award for ‘Best Life insurance Provider’ in 2023 (YourMoney.com)[1], it’s safe to say that they’ve been a good choice for many UK customers.

In this up-to-date review, we look at the key features and benefits of Beagle Street life insurance, as well as their reviews, expert ratings and pay out rates.

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Please note, Reassured doesn’t sell life insurance from Beagle Street

However, our dedicated broker service can compare quotes from multiple UK insurers to help you find excellent deals. Quotes start from just £5 a month † .

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Beagle Street life insurance review summary:

  • Beagle Street offer two types of life cover: level term and decreasing term life insurance. They don’t sell whole of life insurance or over 50s plans.
  • Critical illness cover can be added to your life insurance policy for additional cost. This pays out if you’re diagnosed with one of the 21 illnesses specified by Beagle Street, which includes cancer, heart attack and stroke
  • All policies come with additional benefits including a free Will writing service, early funeral pay out and companions counselling service
  • Beagle Street life insurance is often best suited to applicants without pre-existing medical conditions due to their simplified application process
  • Beagle Street is owned by Family Assurance Friendly Society Limited who paid out 99.8% of all their protection claims in 2023

Who are Beagle Street?

Beagle Street is an online life insurance provider that specialises in simple and easy to purchase cover options for UK customers.

Previously part of the BGL Group (who owns Budget Insurance and other insurance brands), Beagle Street was taken over by One Family in 2022.

One Family is owned by the Family Assurance Friendly Society, an award-winning financial services organisation.

As of July 2024, Beagle Street have over 190,000 UK customers.

Beagle Street life insurance reviews

Customer reviews

Beagle Street life insurance customer reviews are based on the personal experiences of customers who have made a purchase or received a service from Beagle Street.

On Trustpilot, Beagle Street are praised for their friendly, professional and ‘easy to talk to’ agents.

Customers also comment on the simplicity of the process and being able to secure affordable cover to suit their needs[2].

Review siteStar rating (out of 5)Analysis
Trustpilot 4.6
(‘Excellent’)		84% of 4,600 customers rate Beagle Street 5 out of 5 stars, meaning that most customers have received a high-quality service. The overall score of all Beagle Street reviews combined is 4.6 stars.

Correct as of 20/11/24

Expert reviews

Beagle Street life insurance expert reviews are based on research and analysis, instead of personal opinions or experiences.

Expert reviews can help you to understand the quality of their product and service, so you can make a fully informed decision before making a purchase.

Review siteStar rating (out of 5)Analysis
Defaqto 3 - 5 stars
(out of 5)
Beagle Street life insurance is rated between 3 stars and 5 stars by the experts at Defaqto, depending on the specific policy type. This indicates that the features and benefits of their policies range from average to comprehensive[3].
Fairer Finance
  • 85.04% customer experience rating
  • Fairer Finance ‘Gold Ribbon’
  • Fairer Finance ‘Most Transparent’
No star rating available. The customer experience rating is based on criteria defined by Fairer Finance. This includes how good the insurer is at claim handling, complaints performance and customer transparency.
Beagle Street has the highest customer experience rating out of 24 UK providers, which is a good indication that they’re a reliable company[4].

Is Beagle Street a good life insurance company?

Yes, in many ways Beagle Street is a good life insurance company.

Since 1992, they’ve grown a good reputation among customers and peer groups, particularly for their simplified cover options, quick application process and excellent customer service.

Beagle Street awards:

  • ‘Best Life Insurance Provider’ at YourMoney.com Personal Finance Awards in 2023 (awarded four years in a row)
  • Customer Experience ‘Gold Award’ by The Times Money Mentor in 2022
  • ‘Life Insurance Provider of the Year’ shortlist at the Moneyfacts Group Plc Consumer Awards 2024

While Beagle Street are considered a good life insurance company, they won’t be suitable for all applicants.

For example, those who have complex health issues or needs may not find the online application form quick or easy to use in comparison to someone who’s in perfect health and has a good idea of what cover they need.

In this case, you may find it easier to arrange life insurance over the phone with an expert who can help identify tailored solutions from various insurers.

At Reassured, we specialise in comparing quotes from standard insurers as well as specialists, to help you find the right cover to suit your circumstances.

Contact our team of dedicated experts for fee-free support and no-obligation quotes.

Beagle Street life insurance policy options

Beagle Street offer standard forms of life insurance which are designed to financially protect your home and family if you were to pass away unexpectedly during a specified term.

Beagle Street life insurance key features:

  • Provides cover for a set term (5 to 40 years depending on your age)
  • Pays out a lump sum if you pass away or are diagnosed with a terminal illness during the term
  • Available to UK residents aged 18 - 64

Choose from two types of cover:

Level term

Cover amount (sum assured) remains fixed throughout the policy lifetime. Policy could help protect a mortgage and future living costs for your family.

Decreasing term

Cover amount reduces each month throughout the policy lifetime, usually in line with a repayment mortgage.

Beagle Street life insurance can be taken out on a single or joint basis.

A single life insurance policy provides cover for one person, whereas a joint life insurance policy provides cover for two people (for example, you and your partner).

Beagle Street terminal illness cover

Both life insurance policies with Beagle Street include terminal illness cover as standard.

This allows you to make an early claim on your policy if you’re diagnosed with a terminal illness and predicated to pass away within 12 months.

It’s also possible to add critical illness cover to your Beagle Street life insurance policy for an additional cost. We explain critical illness cover below.

Beagle Street critical illness cover

Critical illness cover provides you and your family with financial protection in the event you’re diagnosed with a critical illness during the policy term.

When taking out a Beagle Street life insurance policy, you can choose to add critical illness cover for yourself and/or your children for an additional cost.

Critical illness cover

  • Pays out a lump sum if you’re diagnosed with one of the critical illnesses listed under the policy during the term
  • Covers up to 21 illnesses including cancer, heart attack and stroke
  • Secure between £5,000 and £300,000 of cover
  • Term length must be the same length as your life cover (5 - 40 years)

Child critical illness

  • Provides cover for your children and any future children between the ages of at least 30 days old up to 18 years old
  • Pays out a lump sum of either 25% of your sum assured or £25,000 (whichever is lowest) if your child is diagnosed with one of the critical illnesses listed under the policy
  • Covers up to 21 illnesses including cancer, heart attack and stroke
  • Term length must be the same length as your life cover (5 - 40 years)

With Beagle Street, if you were to add critical illness cover to your life insurance policy and made a critical illness claim within the policy term, this won’t affect your life cover. Your policy will still provide life cover up until the end of your policy term.

Which illnesses are covered by Beagle Street critical illness cover?

Beagle Street critical illness and child critical illness policies cover up to 21 conditions.

A claim can be made if you’re diagnosed with one of the specified conditions and the diagnosis meets the definition outlined in your policy terms.

  1. Alzheimer’s disease
  2. Loss of hands or feet
  3. Aorta graft surgery
  4. Loss of speech
  5. Benign brain tumour
  6. Major organ transplant
  7. Blindness
  8. Motor neurone disease
  9. Cancer
  10. Multiple sclerosis
  11. Coma
  12. Paralysis of limbs
  13. Coronary artery by-pass grafts
  14. Parkinson’s disease
  15. Deafness
  16. Stroke
  17. Heart attack
  18. Third degree burns
  19. Heart valve replacement or repair
  20. Traumatic head injury
  21. Kidney failure

At Reassured, we offer comprehensive critical illness cover for up to 33 illnesses from alternative insurers.

Critical illness cover can be added to your life insurance policy for an additional cost.

Quotes start from just 33p-a-day º . Get in touch for your free, no-obligation quotes.

How much does Beagle Street life insurance cost?

Beagle Street life insurance starts from £6 a month according to their website.

However, premium costs will vary depending on the information you provide during the application process.

Like other insurers, Beagle Street calculate monthly premiums based on your:

  • Age at the point of application
  • Health (such as any pre-existing medical conditions)
  • Lifestyle (smoking status, alcohol intake, hobbies)
  • Type of policy (term or decreasing cover)
  • Cover amount (how much cover you need)
  • Length of cover (how long you’re covered for)

If you choose to add critical illness cover to your policy, these factors will also influence how much you pay for this cover.

Life insurance quotes through Reassured start from just £5 a month

In the table below, see example monthly premiums for level term life insurance policies available through our comparison service.

These prices are based on a non-smoking applicant, in good health, taking out £100,000 of cover over 20 years:

Age Aviva AIG Legal & General
20£3.50£3.64£4.99
25£3.50£4.46£4.99
30£4.23£5.08£4.99
35£5.67£6.47£6.32
40£7.97£8.52£8.77
45£11.43£12.19£13.28
50£18.34£18.17£21.13

Life insurance premiums vary depending on your personal circumstances, but they also vary between different insurers.

For this reason, comparing multiple quotes through a broker can help you to find an excellent deal.

Simply fill in our simple online form to get started.

Free Life Insurance Quotes » Find Our Best Deals

Beagle Street life insurance benefits

Beagle Street life insurance policies include a range of additional benefits free of charge.

These benefits are currently available as of November 2024:

BenefitDescription
Estate Planning KitThis includes:
  • Free Will writing service for simple Wills
  • Trust-writing service to help put your policy in trust (avoid/minimise inheritance tax)
  • An hour of free legal advice from RAC legal services
Early Funeral PaymentIf your life insurance pay out is delayed due to probate, Beagle Street will provide a £5,000 advance payment to help cover the cost of your funeral
Companions counselling servicePolicyholders have access to unlimited phone time with a dedicated RedArc personal nurse who can provide practical advice and emotional support throughout a claim
Welcome e-Gift CardNew customers receive a free e-Gift card worth up to £100 for a range of retailers including Amazon, M&S and Tesco. The e-Gift card will be available once your policy has been in place for 6 months and you’ve paid 6 monthly payments. The e-Gift card value varies depending on your monthly premium price
Beagle Street Soft ToyNew customers receive a Beagle Street soft toy which will be sent within 30 days of the 2nd monthly premium payment

What percentage of claims does Beagle Street pay out?

Beagle Street pays out around 99.8% of claims[1]. In total, they’ve paid out £40 million to UK families[5].

To ensure that all valid claims are processed, Beagle Street search official death records.

They also provide a service which allows you to share your policy details with your loved ones, making it easier to make a claim when the time comes.

Life insurance pay out rates are generally high in the UK, with insurers paying around 98% of claims every year[6].

What are the pros and cons of Beagle Street life insurance?

PROsCONs
Quick & easy to get quotes and apply for a policy online (particularly if you’re in good health and know what cover you need), and policy options are easy to understandMay not be suitable for applicants with pre-existing conditions or complex life insurance needs due to the simplified application form and cover options
Additional benefits are included free of charge, such as simple will writing service, early funeral payment and counselling serviceBeagle Street can’t offer advice on which policy you should buy or how much cover you need
Free welcome gifts (e-gift card up to £100 for a choice of retailers and a Beagle soft toy)Limited choice of life insurance options (only level or decreasing term life insurance available)
Add separate critical illness cover for you and/or your child for an additional cost, and any claim for critical illness won’t affect your life coverPolicies don’t come with free access to GP appointments or health and well-being services that many other policies tend to include (for example, AIG Smart Health)
Excellent customer service (Beagle Street rated 4.7 stars "Excellent" on Trustpilot)Only available to applicants up to the age of 64, whereas with other insurers the age limit for life insurance can be higher

Beagle Street life insurance review conclusion

If you’re in good health and looking for a hassle-free application process, then Beagle Street life insurance could be a good option for you.

However, buying directly from Beagle Street or any other insurer before comparing quotes may not give you the best available deal.

At Reassured, we compare multiple quotes to help ensure that you’re presented with the most competitive prices we can offer from a panel of leading UK insurers.

If you have more complicated life insurance needs, a poor health history or require support from a dedicated expert, our award-winning team are on hand to help.

We also offer a straight-forward buy life insurance online service for applicants who are in good health and know what cover they require.

No matter your circumstances, fill in our short online form to receive your free, personalised quotes so you can protect your loved ones today.

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Beagle Street life insurance FAQs

What does Beagle Street life insurance cover?

Life insurance from Beagle Street, or any other insurer, can help you to cover any costs that your loved ones may struggle to afford if you were no longer around.

A life insurance policy can help to cover:

  • Mortgage or rent payments
  • Bills and living costs
  • Childcare
  • Outstanding debts in your name
  • Funeral costs

Who underwrites Beagle Street life insurance?

Beagle Street life insurance policies are underwritten by Family Assurance Friendly Society Limited, a friendly society that’s authorised and regulated by the Financial Conduct Authority (FCA), reference number: 110067.

What is the Beagle Street life insurance contact number?

Beagle Street have one main contact number for enquiries, quotes and complaints.

Telephone: 0800 048 0480 (open Monday - Friday: 08:00 - 20:00 and Saturday: 09:00 - 17:00)

You an also get in touch by email.

Email: enquiries@beaglestreet.com

How do you cancel Beagle Street life insurance?

Beagle Street life insurance can be cancelled by getting in touch either by phone, email or post.

If you cancel your policy within the 30 day cooling off period, any premiums paid will be refunded to you.

If you cancel after the cooling off period, your premiums won’t be refunded.

Telephone: 0800 247 247

Email: enquiries@beaglestreet.com

Post:
Beagle Street
16-17 West Street
Brighton
BN1 2RL

Sources:

[1] https://www.beaglestreet.com/

[2] https://uk.trustpilot.com/review/beaglestreet.com

[3] https://www.defaqto.com/star-ratings/life-protection?search=beagle%20street

[4] https://www.fairerfinance.com/ratings/brands/beagle-street

[5] https://www.beaglestreet.com/why-beagle-street/

[6] https://www.abi.org.uk/news/news-articles/2023/5/protection-insurers-pay-out-6.85-billion-to-support-individuals-and-families/

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