Polly Family Life Insurance Review 2025

Polly Life Insurance Review 2025

If you’re a mum who is active on social media, you will almost certainly have seen an advert for Polly.co.uk Life Insurance. They have a very clever marketing strategy, using famous names and TV celebrities to advertise life insurance to younger mums and explain its importance.

This is a smart approach, and our MPO Money Mum and Dad fully support their efforts to raise awareness of life insurance for younger people. Most people don’t realise that life insurance is actually cheaper the younger that you are – and it can provide £100,000’s in financial protection for your family.

60 Second Summary – Polly Life Insurance Review 2025

This is a guide based on the information that we have gathered about Polly.co.uk, where we cover some of the important things that we think you should know. Ultimately, it’s up to you where you buy life insurance from and making the right decisions to protect your family.

Polly was launched in 2015 and they claim on their website that they have ‘helped more than 750,000 UK mums to protect their family’. One key fact they use in their campaigns is that more than 12% of UK mums don’t currently have life insurance.

• Polly.co.uk doesn’t sell life insurance themselves, and ‘Polly life insurance’ isn’t a policy that exists. They pass your details over to an FCA regulated insurance broker who then sets up your life insurance policy and provides advice.
• You can’t choose which broker Polly gives your details to, which can be an issue if you need specialist advice (e.g. if you have medical conditions or have a high-risk job).
• Polly’s Trustpilot reviews indicate that their customers are generally happy with the brokers that they have been referred to. They currently have an independent rating of 4.7 out of 5.0 Stars (rated ‘Excellent’).
• Polly uses popular celebrities and influencers in their adverts to try an appeal to younger mums, who might not have life insurance yet or might think that they don’t need it.
• It’s a good idea to check the online reviews for the UK’s main insurance companies, to ensure that you are happy with the insurer that your broker recommends to you.

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Can I buy Polly.co.uk life insurance?

Polly does not sell life insurance themselves, as they are a marketing website, rather than a standard life insurance broker or insurance provider. They get you to fill in an enquiry form, and your details are then passed to a qualified insurance broker who takes it from there.

You can fill in an enquiry form for various types of insurance policies including:

Is Polly life insurance good?

This is a hard question to answer, as Polly doesn’t provide their insurance policies themselves. Whether your policy is ‘good’ really depends on which life insurance company you choose. Your Polly approved insurance broker should explain which options are available to you, and which life insurance company can offer the best prices for the level of cover that you need.

If you’re not sure, it might be worth checking the Trustpilot scores of the UK’s main life insurance companies before submitting an enquiry. This can give you an idea of which insurers you might like, and which ones you would want to avoid based on their customer reviews.

You should also look at things like Defaqto star ratings, which are trusted and independent scores for UK financial products. Life insurance policies will be rated between 1 and 5 Stars with 5 Stars being the highest rating. These scores are based on the quality of life cover and any extra customer benefits that are included.

Is Polly life insurance legit?

While Polly is not an insurance broker, they only work with brokers who have been fully regulated by the Financial Conduct Authority (FCA). These life insurance brokers have a responsibility to treat you fairly, and to provide proper advice and information.

They are a legitimate business, and many websites work similarly so this set-up isn’t unusual within the life insurance industry. Many of the UK’s biggest websites pass life insurance enquiries to qualified brokers, including websites like MoneySupermarket (links to LifeSearch) and Go Compare (links to Reassured).

Should I trust Polly.co.uk?

The main issue with Polly is that you can’t choose which broker Polly.co.uk passes you to, which makes it harder to assess their customer service record and quality of advice. The only option is to look at Polly’s reviews on websites like Trustpilot, where their customers have rated them 4.7 out of 5.0 Stars with over 7,000 reviews.

Polly Life Insurance Trustpilot Scores – January 2025

These customers aren’t rating Polly itself and are referencing the brokers who they have spoken to. Like most companies, there are a few bad reviews but 91% of reviewers left positive feedback and a 5.0 Star customer service rating. This indicates that Polly is generally trustworthy and their brokers do usually provide a good standard of service.

Who owns Polly life insurance?

Polly.co.uk is a registered trading style of Candid Insurance Services Ltd. (previously Candid Web Assets) which is authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Numbers (FRN) 603273.

How does Polly life insurance work?

Polly was set up by a team of marketing experts in 2015, and their main goal was to increase awareness for life insurance for mums in the UK. Their website is incredibly popular, generating thousands of life insurance enquiries every month.           

Polly isn’t a life insurance provider, so you can’t buy your policies from them directly. They will pass your details to a qualified broker who will then set up your policy for you with an insurance company such as Aviva and Legal & General.

There is also a partner website to Polly called Tom.co.uk, which markets life insurance and critical illness cover to dads.

Why do the Polly life insurance adverts appear on social media?

Polly puts a heavy focus on social media advertising to connect with mums across the UK, targeting younger mums who might not have thought about buying life insurance yet. Their clever marketing team realised that social media might be the best place to connect with these mums, and to spread awareness of the importance of life insurance.

Polly often uses celebrities and influencers who are also young mums in their adverts, including people like Ferne McCann, Chelsee Healey, and Rebekah Vardy. The advert below features Emmerdale actress Charley Webb providing her top tips for new mums.

Polly’s adverts can be quite hard hitting for mums, especially those that feature parents who have lost their partners. The main example of this is their advert featuring Jeff Brazier, who sadly lost his partner Jade Goody in 2009 due to cervical cancer.

Should I read reviews of Polly life insurance on Mumsnet?

Mumsnet is one of the biggest online forums for mums in the UK, and it’s a place where many mums ask each other for advice and recommendations. There are a few threads on Mumsnet that mention Polly Insurance, but not many specifically recommend using Polly.

In fact, there is one thread that criticises some of Polly’s marketing as being sexist due to things like buying life insurance rather than a new lipstick. This is only a single thread from several years ago though, so it is worth taking this information with a pinch of salt. It would be better to look at websites like Trustpilot or Reviews.io, where Polly.co.uk customers have gone to specifically leave feedback about their experience.

Is Polly.co.uk good for pre-existing conditions life insurance?

A problem with choosing a celebrity-endorsed brand like Polly.co.uk is that they generally won’t specialise in insurance applications that are ‘non-standard’. This would include life insurance for people with pre-existing conditions, high-risk occupations, or a dangerous hobby (e.g. skiing).

As Polly passes your details to one of their broker partners, there’s no way of knowing whether this broker specialises in this area and can offer the right advice for your situation. If you have medical conditions, it can make it trickier to get the cover you need at a fair price and it’s usually best to speak to a specialist broker if you can.

MoneyPeopleOnline doesn’t provide life insurance advice, but we do partner with a pre-existing conditions life insurance specialist who can help.

Can I get critical illness insurance from Polly?

You can submit your details to Polly.co.uk and you will be passed to a life insurance broker who can help you to find a critical illness insurance policy. Critical illness cover protects you and your family from financial difficulty if you are diagnosed with a serious medical condition like cancer, heart attack, or stroke.

Can I get income protection insurance from Polly?

You can buy an income protection insurance policy from one of Polly’s partners, which would pay out to support you if you couldn’t work because of an illness or an injury.

Your policy would provide you with a regular tax-free income every month if you can’t work for 4 or more weeks. This type of cover will normally pay out for 12 – 24 months at most, but some policies will pay out for years or even until retirement if needed.

How much is Polly life insurance a month?

As Polly works with life insurance partners, you can’t currently get an online quote for Polly life insurance. This makes it a lot harder to compare prices vs other life insurance companies.

The price of any life insurance policy will vary based on basic things like your age, your health, and how much life cover you need (£s). If the broker that Polly refers you to is a ‘whole market’ broker, they will be able to compare quotes from all UK insurers. If they have a selected panel of insurers, your options might be more limited which is a main disadvantage of Polly.co.uk.

Our suggestion would be to compare several quotes before buying your policy to make sure that you get the fairest price and don’t pay more than you need to. You always have the right to speak to multiple brokers and shouldn’t feel pressured into buying a policy that you aren’t happy with.

How do I contact Polly life insurance?

At the moment, there isn’t a telephone number available for contacting Polly. If you want to speak to someone from Polly, then you would have to send them a message online. If you need to talk to someone, you can contact Polly via email (hello@polly.co.uk), Facebook, Twitter or Instagram.

How do I cancel Polly life insurance?

You wouldn’t be able to cancel your life insurance policy through Polly, as you would need to contact the insurance company that your policy is with. Most UK insurers will have contact details on their website that you can use to speak to their cancellations team.

This information should be in your policy documents as well, so you can look in there too to check if you can find a phone number or email address to contact.

Can I complain about Polly.co.uk?

If you experience issues with Polly.co.uk, you can submit a complaint to their team via email of by writing to their Head Office.

What other options do I have for life insurance ?

There are literally thousands of companies that offer life insurance advice and sell all types of life insurance. It can be extremely difficult to know which of these life insurance specialists are best for you and your family.

At MoneyPeopleOnline, we’ve carefully selected our life insurance partner that offers whole of market cover. They can also offer specialist services for people with pre-existing medical conditions, dangerous jobs and extreme sports.