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Beagle Street life insurance – a good choice for UK consumers?

Here's a full breakdown of the good and the bad things about Beagle Street life insurance including the red flags you should watch out for

A photo of Grace Lynch, the author

By Grace Lynch

Published on: 28 November 2023

18 min read

Beagle Street life insurance – a good choice for UK consumers?

Beagle Street may not be the first company that comes to mind when you’re considering buying a new life insurance policy, especially compared to the larger insurance ‘giants’ like Aviva or Legal & General.

However, despite being a smaller business Beagle Street do offer some great benefits to their customers, such as free terminal illness cover and dedicated counselling services. With an impressive customer service record and over 120,000 satisfied customers nationwide, they’re definitely growing in popularity with UK consumers.

In our latest MPO review, we’re giving you a full breakdown of the good, the bad and everything in between for Beagle Street life insurance. This includes information about who owns Beagle Street, how their policies work and some red flags to watch out for. That way you know exactly what you are getting into before making any decisions.

One notable issue with Beagle Street is the limited availability of cover for people with medical conditions (it’s often not available at all). Issues like this don’t mean Beagle Street is a bad choice for life cover, just that they aren’t going to be the best choice for every type of customer.

It’s key to think carefully about what you need from your life insurance provider to make sure you’re 100% comfortable with who you choose.

QUICK SUMMARY – Beagle Street Life Insurance – is it a good choice for UK consumers?

There’s lots of things to think about when choosing your life insurance policy. You need to consider how much you can afford to pay, how much cover you need and ultimately what’s important to you to protect. Some of the key things to think about with Beagle Street life insurance are:

  • Beagle Street’s team won’t provide advice on which policy will work best for you they’ll just explain the options that are available (this is where it can be useful to speak to a life insurance expert)
  • Beagle Street can provide two types of life insurance: level term life insurance (family protection) and decreasing term life insurance (mortgage protection) – but don’t provide other types of life insurance such as ‘whole of life’ policies.
  • They also sell critical illness insurance, which protects you and pays out a lump sum if you’re diagnosed with one of 21 specified medical conditions.
  • Beagle Street isn’t a great option for people who have medical conditions, as they don’t have the ability to do medical underwriting for their policies. If you have medical conditions, it would be better to speak to a medical conditions life insurance specialist to find the right cover.

Beagle Street started providing life insurance in the UK back in 1992 and have continued to grow as a business since then. They put a strong focus into their quick applications and decisions about policies, which can be appealing for consumers who don’t want a long drawn-out application process.

Beagle Street is a mostly online life insurance provider which can be helpful for consumers who aren’t keen on buying or managing their policies over the phone. However, consumers who aren’t as tech savvy or don’t have internet access may prefer to try and contact Beagle Street using the phone number provided on their site.

If you need any reassurance about quality of cover, Beagle Street are part of the same insurance group which also includes Compare the Market and are supported and owned by OneFamily.

Some of the main facts about Beagle Street life insurance include:

  • Paid out over £40million in claims
  • Paid out 99.4% of life insurance claims in 2022
  • Over 120,000 UK customers as of 2023
  • Rated ‘Excellent’ on TrustPilot (over 4,000 reviews)
  • Quick decisions about life insurance policies compared to other providers

It’s hard to say if Beagle Street are ‘good’ for life insurance policies, as this will come down to personal opinion. They do have some solid policy options available, but the range of cover is more limited than it is with other providers on the market and you won’t be able to buy policies like whole life or over 50s cover.

Beagle Street provide a range of simple life insurance products to help protect UK families and they have more than 120,000 UK customers. These policies are designed to pay out in the event of your death to help your loved ones cover the cost of important expenses e.g. funeral costs.

They also offer critical illness insurance which pays out to support you if you’re diagnosed with a serious condition covered by your policy.

You should know that Beagle Street is not always the best option for somebody who has medical conditions. One of the main reasons that Beagle Street is so fast in accepting life insurance applications is because they won’t request medical information.

Though this sounds like a good thing, it means that often they’ll just deny applications from people with medical conditions even if other insurers would offer them cover. This is completely unfair and something that we feel Beagle Street needs to improve on to be at the same standard as some of the bigger insurance providers.

While Beagle Street isn’t the best known provider, there was a time where they were extremely controversial because of a TV advert that aired in 2015. Though it was trying to sell life insurance, the Beagle Street advert became better known for the complaints it generated.

Beagle Street’s ‘Life insurance Reborn’ advert featured green gremlins and many parents deemed it ‘too scary’ for their children to see on daytime TV. Though more than 100 people complained about the advert, Beagle Street managed to avoid it being banned in a ruling by the Advertising Standards Authority (ASA).

You can see the advert in question here:

Beagle Street – ‘Life Insurance Reborn

Beagle Street is a smaller life insurance company and one that works well for specific types of customers. They offer a solid range of policies, but the cover is fairly basic compared to what is available from other providers. Their policies also don’t include standard benefits that most insurers will add on such as online GP access.

Honestly, I’d say if you are someone with any type of medical issue, I just wouldn’t consider Beagle Street as a worthwhile option. They won’t be able to offer the right level of cover for people with health issues – and often will just decline applications outright.

While this definitely feels unfair, this is because Beagle Street focuses solely on standard life insurance policies. Though they don’t approve everyone, the customers they do have rate them highly and most of the online reviews for Beagle Street are positive, so Beagle Street clearly does work well for certain people.

They are currently rated 4.7 out of 5.0 stars on independent review site TrustPilot, which is pretty impressive considering there are more than 4,000 reviews and 85% are 5.0 out of 5.0 stars.

It is entirely up to you whether you would like to buy life insurance from Beagle Street or if you’d prefer to use a different insurance provider to protect your home and family. There are several benefits that many UK consumers would consider as reasons to buy Beagle Street life insurance such as:

  • Terminal illness benefit is included at no extra cost (pays out if you are diagnosed with a terminal illness where a doctor confirms you have less than 12 months to live)
  • You have access to dedicated counselling services and extra support
  • Good customer service record with over 4,000 positive reviews
  • Can pause policy payments for up to 3 months if struggling financially (Financial Hardship Support)
  • £5,000 funeral payment pledge included with all policies which pays out £5,000 to cover funeral costs while the claim is being processed
  • FREE Will writing service or use of the Beagle Street Trust tool to have control over how your policy pays out
  • FREE up to £100 Amazon voucher and a Beagle Street life insurance free gift (Beagle soft toy) for new life insurance applicants*
  • Free estate planning kit for all life insurance customers – this includes simple tools to help you with wells and trusts plus one hour of free legal advice
  • FREE companions counselling service in partnership with RedArc to support you if you were diagnosed with a serious medical condition

While these are all good benefits, I’d still say that it’s worth shopping around and checking what other providers can offer too before you make any decisions. Comparing quotes and benefits across multiple providers can help you to work out if the insurer feels like the right fit for you and if they will offer good value for money for your policy.

Note: This offer is active and valid with direct purchases through Beagle Street as of 27/11/2023. This offer may be pulled or altered at any time following the date of this article’s publication.

Life insurance is designed to pay out a cash lump sum in the event of your death which your loved ones can use to cover important bills and expenses. While this isn’t a fun topic to think about (and one that many people avoid), it’s important to have a plan in place so your loved ones don’t struggle financially when you’re gone.

Beagle Street policies work similarly to those sold by other providers where you buy your policy and pay monthly to keep your cover active. If you were to pass away, your family can submit a claim to Beagle Street who will then pay out. This money can then provide the people you care about with extra financial support at a difficult time and this can be a lifeline in terms of affording things like mortgage repayments or funeral bills.

You don’t necessarily need Beagle Street life insurance specifically – but life insurance itself is a useful policy to have and one that sadly not everyone thinks to buy. Many UK consumers choose to wait to buy life insurance because:

  • They think it will be too expensive – often not true, especially when you do some research, check comparison sites or get advice from an expert.
  • They think they don’t need it (because they are young, fit, healthy etc.) – realistically there will always be some risk no matter your age or health
  • They think savings accounts will work just as well – life insurance will pay out far more than most people will be able to save over their lifetime

Truthfully, no one knows what is around the corner and many families in the UK lose out because their parent/caregiver has died and did not have life insurance in place.

While it is a financial commitment (and one that should be carefully considered), the cost of life insurance is normally far less overall than the amount the policy will pay out and the amount of protection it can provide.

While Beagle Street sells life insurance policies, they aren’t an independent company and are actually owned by another insurance company called OneFamily. OneFamily is a provider well known for policies like over 50s life insurance, as well as investments and pensions.

Beagle Street policies are also underwritten by another business called Family Assurance Friendly Society Limited (as of September 2023). This means that this is the business responsible for looking at your application and deciding if it is accepted or declined based on how much ‘risk’ there is of you needing to claim.

This set up isn’t anything to be worried about or alarmed by and you would be surprised at the amount of insurance companies that are owned or supported by other larger businesses. This isn’t an unusual way for an insurance company to work or something that would indicate bad practices from Beagle Street.

This is a good question and it’s understandable to ask if a provider is a good choice compared to other insurers. Beagle Street is an insurance provider that can offer quick decisions on life insurance but tends to work best for people with no medical conditions.

Honestly, unless you’re a life insurance applicant with no health issues, it might be worth looking at other insurance providers. Beagle Street is known for simply refusing applications from people who have medical conditions, particularly conditions that are more serious.

if you don’t have any medical conditions and just want a standard life insurance policy, Beagle Street might be a good option. I’d suggest shopping around and checking quotes with multiple providers to make sure you’re getting the best price and the right level of cover.

While most UK providers sell a range of different life insurance policies, Beagle Street is more limited and only sells two types of life insurance which are:

  1. Level term life insurance (family life insurance) – With these policies the amount you are covered for will never change. They are designed to pay out a cash lump sum to your loved ones in the event of your death. This can be used to cover funeral expenses and other important bills.
  2. Decreasing term life insurance (mortgage life insurance) – These policies are specifically designed to help repay a mortgage if you were to pass away. The amount you are covered for will decrease over the years as you repay more and more of your mortgage.

One good thing is that you can have single or joint life insurance, so you can protect yourself and your partner under one policy if you want to. If you’re looking for whole life cover, business life insurance or another more specific type of policy, Beagle Street won’t be able to supply this type of cover.

Policy typeBeagle Street Life Insurance
What are the premium options?Guaranteed (fixed) premiums mean that you pay the same amount throughout your whole policy term
What are the cover options?Beagle Street level term life insurance (family protection)
Beagle Street decreasing life insurance (mortgage protection)
What type of cover is available?Single life
Joint life
Is terminal illness benefit included?Yes, terminal illness benefit is included at no extra cost. Accidental death benefit is also included for Beagle Street customers.
Is waiver of premium included?No, standard waiver of premium benefit is not included for Beagle Street customers – but there is a Financial Hardship Support option which allows you to skip up to 3 months of payments.
Is increasing cover available?No, currently Beagle Street does not offer an increasing life insurance option.
Are there age limits for Beagle Street life insurance?Minimum age at policy start is 18 years old.
Maximum age at policy start is 64 years old.  
Beagle Street policies will only cover you up to age 79 at oldest (maximum policy term available is 40 years)
Are there any exclusions with Beagle Street?The only exclusion attached to Beagle Street life insurance is that you can’t claim for suicide within the first 12 months of the policy.

Yes, Beagle Street sells critical illness cover (also known as critical illness insurance) alongside their life insurance policies.

While you can buy critical illness cover on its own with certain insurers, Beagle Street only sells it as an add on to a new or existing life insurance policy. You can even contact Beagle Street years after buying your original life cover to add on critical illness cover for a higher level of protection.

You also have the option to add your child(ren) to your life insurance policy with Beagle Street children’s critical illness cover. This will pay out 25% of the main policyholder’s chosen benefit (up to £25,000 maximum) if your child is diagnosed with one of the illnesses specified in your policy.

Critical illness cover policies can vary massively in the number of medical conditions they will pay out for if you become unwell.

Beagle Street is on the lower end of the scale, paying out for 21 specified medical conditions. Though Beagle Street doesn’t cover a huge number of conditions you will be covered for some of the most common reasons for critical illness claims like cancer, stroke and heart attacks.

Though it is good to know how many conditions Beagle Street will pay out for, it’s good to know exactly which conditions are covered so you know where you stand.

Beagle Street critical illness insurance will pay out for the following 21 medical conditions:

  • Alzheimer’s disease (if you are younger than age 65)
  • Aorta graft surgery (as a result of disease or trauma)
  • Benign brain tumour (with permanent symptoms)
  • Blindness (permanent and irreversible)
  • Cancer (not including less advanced cases)
  • Coma (with permanent symptoms)
  • Coronary artery bypass grafts (with surgery)
  • Deafness (permanent and irreversible)
  • Heart attack (has to be severe as specified in the policy documents)
  • Heart valve replacement/repair (including surgery)
  • Kidney failure (requiring regular dialysis)
  • Loss of hands/feet (permanent)
  • Loss of speech (permanent and irreversible)
  • Major organ transplant
  • Motor neurone disease (with permanent symptoms)
  • Multiple Sclerosis (MS)
  • Paralysis of limbs (total and irreversible)
  • Parkinson’s disease (permanent symptoms)
  • Stroke (has to be severe as specified in the policy documents)
  • Third degree burns (covers 20% of the surface of either the face or body)
  • Traumatic head injuries (permanent symptoms)

All details about what is covered and how to claim can be found it the terms and conditions of your policy documents.

More information – What are the 36 critical illnesses?

One main drawback of Beagle Street critical illness cover is that it is only available for Beagle Street life insurance customers. If you don’t qualify for Beagle Street life insurance, you would not be able to buy Beagle Street critical illness cover even if you felt it was your best option for cover.

If you’re already a Beagle Street customer or you’re thinking about buying their life insurance it can be easier to choose then for your critical illness cover as well. A lot of consumers prefer to have all their insurance policies with one provider to keep things simpler.

If you want comprehensive critical illness cover that will pay out for a lot of conditions, it would be better to look at a different insurance provider for this policy.

While Beagle Street does cover a lot of the main conditions people are concerned about, older insurers may offer better value for money by covering a larger number of medical conditions. companies like vitality cover more than 180 medical conditions within their policies (though of course these policies will be slightly more expensive).

Beagle Street claim to be able to provide £200,000 worth of life cover for less than £6 per month on their website. While this might be true for some customers, I would always be wary of blanket statements like this.

When you look further down the page, it is specified that this price would be for 30 year old non smoker, so if you are a smoker or you’re over 30 you’ll probably pay a higher price.

There are many factors that determine how much life insurance will cost, so it’s likely most people will pay more than £6 per month. To work out the price of your cover, Beagle Street would look at factors like:

  • Your age
  • How much cover you need (£s)
  • The type of policy (level term or decreasing)
  • If you want to add extra cover (e.g. critical illness cover)
  • Smoker status
  • General health and lifestyle

If you are looking for a basic life insurance policy (with or without critical illness cover added), you may find that Beagle Street is good value for money for you.

Policies generally aren’t overly expensive, though of course the price will vary based on standard factors like your age and how much cover you need.

If you’re after a policy with a lot of added benefits and extras, such as discounts from partner brands, Beagle Street probably isn’t the right choice for you. There are some good benefits that they include for free though including access to Will writing and Trust support and counselling services for if you are diagnosed with a serious medical condition.

What I will say is someone who has reviewed a lot of life insurance providers, is that all the providers do include more benefits on average including standard ones like online GP access. However, you might find these policies are more expensive, so ultimately it will be up to you to work out which provider you’re most comfortable with and how much you’re willing to pay based on your own budget.

It can be a bit confusing to know where to contact when you need to speak to your insurance provider. Beagle Street is good in this way, as they keep things really simple for their customers. They have one Beagle Street life insurance phone number for all customer enquiries including new quotes claims and complaints.

Beagle Street life insurance contact details

Tel. 0800 048 0480

Email – enquiries@beaglestreet.com

Opening hours – Monday to Friday 8:00 AM to 8:00 PM / Saturday and bank holidays 9:00 AM to 5:00 PM

Post:

Beagle Street,

16-17 West Street,

Brighton,

BN1 2RL

Something that many people don’t think to look at when they’re buying life insurance is how easy it is to claim on the policy. This is understandable, as while it’s good to have a life insurance policy in place for protection, it’s not pleasant to think about what might happen when you actually need to claim.

Something that Beagle Street does which I do think other provider should take on board is they have an ‘Inform Loved Ones’ service for their policies. You can log into your online account and add details for 5 people that you would like to share your policy details with, so they have all the details they need available if they needed to claim.

According to the Beagle Street website, they paid out for 99.4% of all life insurance claims in 2022.

It’s always a good idea to have a look at the claims statistics for an insurance provider before you buy a policy, to give you an indication of if they’re likely to pay out when you need them to. Beagle Street has a good record for insurance pay outs, so chances are your loved ones shouldn’t run into too many problems if they needed to claim on a Beagle Street life insurance policy.

Note: There is some small print on the Beagle Street website that indicates that they were previously underwritten by Scottish Friendly Assurance Society which paid out these claims. Beagle Street is now underwritten by Family Assurance Friendly Society Limited, so it is possible that the level of claims paid out could be different in the future.

This topic can be difficult for many people, but asking if life insurance covers suicide is a valid question and not one that people will always ask.

Most life insurance policies will pay out for suicide if your policy has been in place for 12 – 24 months or longer. Beagle Street will pay out for suicidal death after 12 months and like most insurers they will ask about suicidal thoughts or attempts when you apply.

This can be incredibly distressing and Beagle Street will try to be sensitive to this. If you feel that you need some additional support, you can contact Samaritans or the Mental Health and Money Advice service who will be able to help.

It can be possible to get Beagle Street with certain less serious medical conditions but Beagle Street don’t generally accept applications from people with medical conditions.

This is a downside to Beagle Street’s focus on processing applications quickly as they won’t take the time to request more medical information for example. Where another provider would potentially request a GP report and still be able to offer cover, Beagle Street will stop the process at this point and decline cover.

It can be more complicated to get life insurance with medical conditions, especially if symptoms are severe or life changing. This is where I would say it can be useful to talk to a life insurance specialist who understands which insurers will be the best choice for your individual situation.

More information – Pre-existing medical conditions life insurance

ProsCons
Quick application process and decisions on policy acceptanceNot a great option for applicants with medical conditions
Includes terminal illness and accidental death benefits free of chargeLimited range of policies (only sells level term or decreasing term life insurance and critical illness cover)
Free Will writing and Trust advice service and other freebies such as Amazon gift cards and Beagle soft toys*Limited advice available from Beagle Street about which policies are suitable (may be better to speak to an independent broker)

*Available offer as of 27/11/2023. The Amazon gift card and Beagle toy offer may be changed or pulled by Beagle Street at any point. The soft toy is dispatched within 30 days of your second payment to Beagle Street and you won’t receive your Amazon voucher until you have been a customer for 6 or more months.

If you’re not happy with your Beagle Street life insurance policy, you are always allowed to complain. Beagle Street say that they aim to deal with all telephone complaints within 3 days and take steps to resolve any issues.

While they say they aim to have complaints fully resolved within 4 to 8 weeks, we all know sometimes this won’t happen for one reason or another. If Beagle Street are taking too long to deal with your complaint, you can escalate it to the Financial Ombudsman Service for extra help and support.

Note: You can contact the Financial Ombudsman Service at any point and may decide to approach them first if you have had significant issues with Beagle Street.

Financial Ombudsman Service (FOS) contact details

Tel. 0800 023 4567 (or 0300 123 9123)

Tel. 0207 964 0500 (overseas)

Email – complaint.info@financial-ombudsman.org.uk

Most of us are familiar with trying to cancel insurance policies or other subscriptions and getting frustrated due to the process being overly difficult or confusing to navigate.

Luckily, the Beagle Street cancellation policy seems pretty straight forward, and it shouldn’t be too difficult to cancel your cover if you needed to. All you will need to do is to contact Beagle Street to cancel your life insurance:

  • Via the Beagle Street life insurance contact number at 0800 247 247
  • By emailing enquiries@beaglestreet.com
  • By writing to Beagle Street, 16 – 17 West Street, Brighton, BN1 2RL

Opening hours:

To cancel your policy, Beagle Street will need to know:

  • Your full name
  • Your date of birth
  • Your email address
  • Your postcode

Like most insurance providers, Beagle Street has a ‘cooling off’ period attached to their policies. This allows you to cancel your policy within a set number of days of buying it for a full refund of any money paid so far.

The length of a cooling off period can vary between insurers and the Beagle Street cooling off period is 30 days from when you buy your policy.

I’d always recommend reading the review for a company like Beagle Street before committing to buying a policy. Reading current customer reviews can give you an idea of what customers think of the policies and service they have received from Beagle Street.

Beagle Street generally get great customer reviews, with an ‘Excellent’ score on independent customer reviews site TrustPilot. There are also a minimal number of low scores with 96% of customers rating Beagle Street as 4.0 stars or higher.

Beagle Street (TrustPilot score) – 4.7 out of 5.0 stars (with 4,299 reviews)

% of 5 star reviews – 85% of reviews rated Beagle Street 5.0 out of 5.0 stars

% of 4 star reviews – 11% of reviews rated Beagle Street 4.0 out of 5.0 stars

% of 3 star reviews – 1% of reviews rated Beagle Street 3.0 out of 5.0 stars

% of 2 star reviews – less than 1% of reviews rated Beagle Street 2.0 out of 5.0 stars

% of 1 star reviews – 3% of reviews rated Beagle Street 1.0 out of 5.0 stars

Note: These figures are from 27/11/2023 and Beagle Street’s score may change based on further customer reviews.

There are a few simple ways to buy Beagle Street life insurance if you think one of their policies will work well for the cover you need. You can choose one of the following options to get a Beagle Street life insurance quote:

  • Contact Beagle Street directly online or over the phone
  • Use a price comparison site to check prices for Beagle Street (and other insurers) to make sure you get a good deal
  • Talk to a life insurance expert for specialist advice and guidance

While Beagle Street offers some good and simple policies, they can’t offer full advice on if a policy is right for you and can only explain the policy features. This is why it can be helpful to talk to a life insurance specialist who can assess which type of policy will work best for you and if another provider might be a better choice.

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