Is Beagle Street The Best Life Insurance Policy?

antoine fruchard Antoine Fruchard  updated on July 29, 2020

This is the ultimate review to guide you through the ins and outs of Beagle Street life insurance. You might already know that Beagle Street has several different contract options. 

Some are great. Some are less useful. Some are simply too expensive.

So, if you want to get better value for money from your insurance contract, as well as indicative quotes and tips to lower your insurance premium, then you’ll probably love the following article.

Let’s dive right in!

Is Beagle Street the best life insurance for you?

When taking out life insurance, there are so many things to think about. Life insurance is one of the most important insurance plans to have, as it is the best way to protect your loved ones if something happens to you. 

Beagle Street life insurance has a lot to offer. Here are the main points that you should look at before taking out life insurance with Beagle Street. 

4 Safe overall rating for Beagle Street

Rating CriteriaSafe RatingOur Review
Customer service satisfaction, claims and support

4.8/5 rating on TrustPilot
3 star rating on Defaqto
Beagle Street won the 2018 MoneyFacts Consumer Award
Policy documents are only available to policyholders
No live chat or live bot option

Coverage options

It is easy to make changes to the policy online
There is the option of picking between level or decreasing cover
Accidental death benefit is provided
The Critical Illness Cover provides cover for up to 28 medical conditions which is on the low side
Whole-of-life cover is not provided

Value for money

Legal Services are provided for free to policyholders
A £100 Amazon gift card is given to new policyholders
Free Will Kit worth £150 is given to policyholders
Cover of up to £750,000 is offered
Cover options can be gotten for as low as £5 per month

Financial strength

Beagle Street’s policies are underwritten by Scottish Friendly Assurance Society
Beagle Street paid out 99.4% claims in 2018

Apps and technologies

Quotes can be gotten online
The insurance policy can be changed and adjusted online
Very detailed information is provided on the website
Policy documents can only be accessed by policyholders
No chatbot

Safe rating for Beagle Street Life insurance

Expert and customer satisfaction reviews for Beagle Street

Review organisationConsumer satisfaction rates for Beagle Street Life insurance
Trustpilot4,8/5 based on 3,280 reviews
Defaqto3
Experts rating for Beagle Street

Beagle Street insurance in a nutshell

In summary, here are the main features you need to know when taking out life insurance with Beagle Street. 

CriteriaBeagle Street details
Minimum age18 years
Maximum age 65 years
Pay-outUp to £750,000
Life insurance with free giftsAn Amazon Gift Card worth up to £100 is given to new policyholders.
Extras

A life insurance calculator is available on the website.

Terminal illnessYes
Beagle Street life insurance in a nutshell

What are Beagle Street life insurance policy types?

When choosing life insurance, you have to make a lot of important decisions. You have to choose between different policy types to find which one would best cover your needs. As the first big choice, you have to choose between: 

  • Term life insurance. Term insurance splits into two types: level term or decreasing insurance. If you choose a term insurance, once again you would have to choose between these two. Sometimes, there is an increasing term insurance option. 
  • Whole of life insurance. This insurance will pay out when the policyholders die. Not all insurers offer this type of coverage. 

What is Beagle Street term life insurance? 

There are two term life insurance options:

  • Level cover guarantees that your loved ones get a payment if you die during a specific period of time. You will receive the same amount during a fixed period. Life insurance can be for 5,10, 20 years, etc., depending on your needs. 
  • Decreasing cover guarantees that your loved ones get a payment if you die during a specific period of time. The amount decreases over the policy term. It is really useful if you have a loan, as the price tends to decline over time. You can choose an increasing cover as well.
CriteriaBeagle Street life insurance
Minimum term5 years
Maximum term40 years
Pay-outUp to £750,000
Minimum monthly premium £5
Extras or any interesting facts 

Beagle Street provides a Free Trust tool on their website with which payout can be easily made to the family of the policyholder in the case that he/she dies.

Beagle Street term life insurance

Should you take level or decreasing term life insurance?

Beagle Street offers two types of term life insurance: one is level life insurance, the other one is decreasing life insurance. 

CriteriaProvider Details
Beagle Street term life insurance (level)
  • Beagle Street provides life insurance for people between 18 and 65 years old.
  • Cover is available for as little as £5 a month.
  • Terminal illness cover is included as standard on every policy
  • Monthly premiums are fixed
  • Cover is not provided for suicide in the first year
  • There is an option to pick between joint policy and single policy
Beagle Street decreasing term life insurance, also known as life insurance for mortgage

The Decreasing cover that Beagle Street offers provides the following:

  • Fixed monthly payments
  • Easy online application
  • The Decreasing Cover is cheaper than the Level Term
  • The decreasing cover is designed to reduce every month in line with a repayment mortgage that has a fixed interest rate of 6%
Level or decreasing life insurance

Some providers also propose increasing life insurance, which is a similar concept as decreasing life insurance, but with the premiums getting higher rather than lower.

Beagle Street does not offer Increasing cover

Can you take out a Beagle Street life insurance with someone else?

Yes, you can either have a single or a joint policy at Beagle Street.

Taking out a joint policy covers two people that are together under the same policy. In the end, it is cheaper than two single policies. It covers both of your contributions to the family. It only pays out once, and the sum will be given to the other partner if one dies. It leaves the surviving member of the couple without life insurance after the death of the first partner. 

Taking out a single policy pays for one person only. It pays out the amount chosen. Taking out two policies is more expensive, but you can choose the level you want, and it’s beneficial if the two partners don’t need to be insured at the same level. 

 What are Beagle Street life insurance extras? 

You can add these extras at additional cost to your Beagle Street life insurance: 

Details Reviews
Free Trust Tool

Beagle Street provides a Free Trust tool on their website with which payout can be easily made to the family of the policyholder in the case that he/she dies.

Free Will Service

Beagle Street provides new policy holders with a free will worth £150

Accidental death benefit

In the case that the policyholder has to wait for a decision from Beagle Street before a policy can be approved, automatic cover is provided.

Legal Advice

A free legal helpline is provided for policyholders to meet their legal needs.

Terminal illness cover

This cover is provided in the case that the policyholder has been diagnosed with a terminal illness during the course of the policy term provided the terminal illness is one that can result in the death of the policyholder within 12 months.

Beagle Street life insurance extras

Should you take out Beagle Street life insurance critical illness cover?

What is critical illness cover? 

It is an extra that can be added to your policy, or can be combined with your standard life insurance. It pays out if you contract a disease. The illness developed must be specified in your policy contract. The most common illnesses covered are cancer and heart attacks, etc. If you become really ill, your insurance will pay out exactly as if you’ve passed away. 

Is Beagle Street the best critical illness cover? 

Here are the main features when you take out Beagle Street life insurance with serious illness:

CriteriaOverall life insurance and critical illness cover
Coverage

The Critical illness cover that Beagle Street provides can only be added to an already existing insurance policy and it offers the following:

  • Cover of up to £20,000 or 20% of the Critical Illness sum assured is provided
  • Cover is provided for children
  • Extra Critical illness cover is provided to cater for conditions like Crohn’s Disease (in the case that it is severe)
  • Cover is provided for up to 28 critical conditions.
Children’s Cover
  • The Children’s cover provided can only be added as an extra to the parent’s insurance policy
  • The lower amount between 25% of the main policy holders critical illness cover and £25,000 is provided for this cover
  • Only one claim per child can be paid for
  • There is no maximum number of children that can be insured
What should you know about Beagle Street critical illness cover?

Beagle Street paid out 99.4% claims in 2018

Beagle Street life insurance

How much is Beagle Street life insurance?

The big question is knowing how much life insurance you’ll need. Your answer to this question (as well as your age) will mainly determine the price of your life insurance:

However, your life insurance price will also depend on several factors: 

  • Your medical conditions
  • Whether or not you are a smoker 
  • Which add-ons you add to your life insurance 
  • Your salary
  • The coverage you want
  • Whether you take out a joint policy or not 

So you must ask yourself the relevant questions for your own situation, for example: Do you have a loan? Do you have savings? Do you have debts? Do you have a family? Does your job offer protection? 

How to contact Beagle Street life insurance?

Here are all the important phone numbers for contacting Beagle Street life insurance: 

ServicePhone NumbersOpening Hours 
Get a quote at Beagle Street0800 058 2929Monday – Friday 8am-9pm
Saturday 9am-5pm
Sunday 10am-3:30 pm
How to claim at Beagle Street0800 247 247 Monday – Friday 8am-9pm
Saturday 9am-5pm
Sunday 10am-3:30 pm
How to cancel at Beagle Street

0800 058 2929

Monday – Friday 8am-9pm
Saturday 9am-5pm
Sunday 10am-3:30 pm
Beagle Street phone numbers

What are Beagle Street general contact details? 

You will find in this table all the general contacts that you would need if you want to reach Beagle Street life insurance: 

General contacts
Mailing address

Pegasus House
PE2 6YS
Peterborough
United Kingdom

Social media 

Facebook, Twitter, YouTube

Chatbot

No

Beagle Street general contacts

How to claim at Beagle Street life insurance? 

You will find on this table the different possibilities for reporting a claim on your Beagle Street life insurance: 

How to claim on your life insurance at Beagle Street?
When to claim?

As soon as possible

Claim by mail

Not Available

Claim by email[email protected]
Claim online

Not Available

Claim by phone0800 247 247
Claim at Beagle Street life insurance

How to cancel my Beagle Street life insurance? 

You will find on this table the different ways to cancel your Beagle Street life insurance: 

How to cancel your life insurance at Beagle Street
Fees
  • If you cancel within 30 days the premium paid would be refunded fully
  • If the cancellation is done after 30 days, no refunds would be made
Cancel by mail

Not available

Cancel by email

[email protected]

Cancel onlineNot available
Cancel by phone

0800 058 2929

How to cancel my Beagle Street life insurance?

How do I get Beagle Street life insurance quotes? 

Here are the different ways to get a life insurance quote at Beagle Street: 

How to get a life insurance quote at Beagle Street
Quote online

On the Home Page, Click on the "Get a quote" option

Quote phone0800 058 2929
Get a quote at Beagle Street

How do I log into Beagle Street life insurance?

Click on the "Login" option on the Homepage

Do we recommend Beagle Street life insurance?

Beagle Street was founded in 1992 by the BGL Group and it focuses on providing insurance services meetings. It uses an online assessment tool to give consumers a quote according to their budget. The BGL business has over 7 million customers so far and their policies are underwritten by Scottish Friendly Assurance Society. Beagle Street provides life insurance on both level term and decreasing term policies, which can be taken out as either single or joint policies. Customers also have the ability to add optional serious illness cover to their standard life insurance policy. They have a 4.8 rating on TrustPilot and a 3 stars rating on Defaqto. They offer reliable and affordable insurance services and are recommended.

What is life insurance? 

Life insurance is a contract between an insurance company and the policyholder. In exchange for an annual or monthly premium, the insurance company agrees to give out to a designated beneficiary a lump sum if the policyholder were to pass away. 

How does life insurance work in the UK?

Like with other types of insurance, it is a standard procedure: the policyholder pays a premium to a provider, with an agreed level of cover. 

Is life insurance worth getting?

Yes, it is worth getting life insurance when people depend on you financially, like your family.

What are the best life insurance with free gifts?

Lots of life insurance providers offer free gifts: 
– Royal London
– Legal & General
– Aviva
– Shepherds Friendly 
– OneFamily 
– British Seniors Insurance Agency

How much is life insurance in the UK? 

How much life insurance in the UK is depends on a lot of factors. However, with our data, we calculate that the average monthly cost of life insurance is £15. Of course, the price will depend on whether you take out joint or single life insurance, and the term of your insurance if you are not taking out  a whole life insurance policy. 

What is the best life insurance in UK?

There are lot of life insurance policy that have interesting features. Depending on these features, you can decide if this life insurance suits you. 
To find what is the best life insurance for you, use our tool to compare prices and offers from all the insurers on the market instantly.