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Help Centre»»Does getting life insurance affect my credit score?

Does getting life insurance affect my credit score?

No, life insurance does not impact your credit score and payments will not show on your credit report or in your credit history. It is however important that your chosen policy is affordable and will not cause you or your family to struggle financially.

A soft credit check may need to be completed as part of the process if we need to verify your identity. These checks will show up on your report, but will not have an impact. A hard search will not be required during your life insurance application – only hard searches affect your credit profile.
Life insurance is not like car or home insurance where monthly payments are a method of ‘borrowing’ the full amount from the insurer. You are not borrowing any funds with a life insurance policy, so therefore it has no effect on your credit score.
Life insurance is a month to month commitment and can be cancelled at any time. If payments are stopped then the policy will lapse and cover will cease.

All help centre articles are designed to help give generic information to UK consumers. Protect Line operates on a non-advised basis, so no help centre article should be considered as advice or an indication of the terms and conditions of your policy. Insurers also update their terms and conditions from time to time and while Protect Line endeavours to keep all information up to date, there is a chance the information on these pages may become outdated. All information is correct at the time of publication. To ensure you fully understand the terms and conditions of your policy please read all your documents and contact us for clarification if there is something you do not understand.

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