Life Insurance in the UK

Providing Peace Of Mind For You & Financial Protection For Your Loved Ones

Nothing in this life is more important than protecting your family, but that desire to protect doesn’t end once you’re no longer here. By putting a life insurance policy in place, you can be sure that your family’s financial future will be secure even if the worst were to happen.

At Cheaper Life Insurance, our expert partners can help you compare life insurance quotes to find the right policy today and protect your family tomorrow.

Why Get Life Cover Insurance

Life is a truly beautiful thing, but it is also very fragile. The harsh reality is that it can change in an instant. While nothing can prepare your loved ones for the emotional heartbreak of losing you, your careful planning can at least remove the financial impact. A dedicated life insurance policy is the best solution, and Cheaper Life Insurance will help you find the right coverage.

A life insurance policy will pay out a lump cash sum to your dependents should you die during the term of the policy. Most causes of death are covered (suicide is one of the few exemptions) and the insurer will pay claimants very quickly. The funds can be used to;

  • Cover the cost of your funeral and associated issues.
  • Pay off the mortgage and other relevant debts.
  • Pay for daily living now that your income has gone.

 

Most life insurance plans are a term agreement, meaning that your family is only paid if you die during the term of the policy. However, whole-of-life policies that pay out at whatever age you die are possible too.

Compare Life Insurance Types

No two people are the same. Unsurprisingly, then, there are multiple types of life insurance plans suited to different people in varying situations. Firstly, you should decide between level term and decreasing term life insurance.

The former pays a set fee regardless of how far into the term you die, which is great for paying items like funeral costs. The latter offers a smaller payout as you get further into the term, which is often used to reflect mortgages as they get smaller over time. Other issues to consider include; .

  • Do you want the life cover to extend to critical illness or a loss of income?
  • Do you need a life cover insurance policy that lasts for a set time or pays out at age?
  • Is the cover just for your life or do you need to cover your spouse too?

 

At Cheaper Life Insurance, it is possible to quickly weigh up all possibilities by filling out the form and clicking ‘Get my results’. There is no obligation to pursue any specific quote. But if you do find a plan you’d like to learn more about, our expert partners are here to support you.

TYPES OF COVER

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Term Life Insurance

Term life insurance provides a lump sum to your beneficiaries should you die within the policy term. You can usually chose a term between 2 and 40 years, depending on the insurer.

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Life and Critical Illness Cover

Life & Critical Illness Cover could offer all the benefits of life insurance but with the added benefit of potentially receiving a payout if you are diagnosed with a critical illness detailed in your policy. For example, cancer, strokes, heart attacks, etc.

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Whole of Life Cover

Whole-of-life cover doesn’t have a fixed term – instead, these policies cover you for the rest of your life and will pay out a lump sum to your beneficiaries upon your death.

Building A Life Insurance Policy That Suits You

We all share a common desire to support our families, but a life cover insurance plan must match your circumstances. Cheaper Life Insurance is dedicated to helping you find the right plan for your needs. This ensures that your dependents will receive the support they need while you gain 100% peace of mind.

Our partners can help you run a life insurance comparison with dedicated plans for Mortgage Life Insurance, Couples Insurance, Over 50s Insurance, Seniors Insurance, and more. Meanwhile, the following questions can guide you to the right plan;

  • How much financial coverage is needed?
  • How long should the policy last?
  • Will dependents have increased or reduced financial needs later into the policy?

 

By understanding the terms of the life insurance policy throughout the life of it, a calculated choice can be made with 100% confidence.

Life Insurance Quotes From The UK’s Top Insurers

When taking out life insurance, finding the right insurer is essential. You deserve an insurance package that’s affordable, reliable, and tailored to your situation. Here at Cheaper Life Insurance, we pride ourselves on connecting people like you to the most reputable insurance providers.

We work with the likes of AIG, Aviva, LV, Royal London, and Zurich to ensure that you are presented with the best life insurance quotes available. By selecting a policy through one of our partners, you are guaranteed to receive;

  • The best rates on your chosen life insurance plan
  • A policy from a company known for paying out all valid claims.
  • Clear policy terms that are built around your requirements.
  • A simple application process that helps you gain almost instant cover.
  • The support of a nationwide insurance company.

Get Covered Today

Whether life insurance is something you should have put in place years ago or not, now is the time to take responsibility. Use the simple form to start your life insurance comparison today and you could gain coverage in next to no time.

Protecting your family’s future in case the worst happens is truly the greatest gift you can give.

Why search through us?

Our websites have been used by over 500,000+ people to find the best life insurance policy for them

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Pricing

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd May 2024††.

£4.18* per month
AIG logo

£150,000 level term Life Cover for 30 Years

£4.35 per month
AIG logo

£175,000 level term Life Cover for 30 Years

£4.62 per month
AIG logo

£200,000 level term Life Cover for 30 Years

£4.88 per month
AIG logo

£225,000 level term Life Cover for 30 Years

£5.16 per month
AIG logo

£250,000 level term Life Cover for 30 Years

£6.98 per month
AIG logo

£150,000 level term Life Cover for 30 Years

£7.93 per month
AIG logo

£175,000 level term Life Cover for 30 Years

£8.71 per month
AIG logo

£200,000 level term Life Cover for 30 Years

£9.48 per month
AIG logo

£225,000 level term Life Cover for 30 Years

£10.19 per month
AIG logo

£250,000 level term Life Cover for 30 Years

£10.31 per month
AIG logo

£150,000 level term Life Cover for 30 Years

£11.56 per month
AIG logo

£175,000 level term Life Cover for 30 Years

£12.84 per month
AIG logo

£200,000 level term Life Cover for 30 Years

£14.12 per month
AIG logo

£225,000 level term Life Cover for 30 Years

£15.40 per month
AIG logo

£250,000 level term Life Cover for 30 Years

£23.55* per month
AIG logo

£150,000 level term Life Cover for 30 Years

£25.95 per month
AIG logo

£175,000 level term Life Cover for 30 Years

£29.37 per month
AIG logo

£200,000 level term Life Cover for 30 Years

£32.79 per month
AIG logo

£225,000 level term Life Cover for 30 Years

£36.20 per month
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£250,000 level term Life Cover for 30 Years

£43.40 per month
AIG logo

£150,000 level term Life Cover for 30 Years

£48.22 per month
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£175,000 level term Life Cover for 30 Years

£54.82 per month
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£200,000 level term Life Cover for 30 Years

£61.42 per month
AIG logo

£225,000 level term Life Cover for 30 Years

£68.02 per month
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£250,000 level term Life Cover for 30 Years

£120.56 per month
AIG logo

£150,000 level term Life Cover for 30 Years

£137.98 per month
AIG logo

£175,000 level term Life Cover for 30 Years

£159.67 per month
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£200,000 level term Life Cover for 30 Years

£181.36 per month
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£225,000 level term Life Cover for 30 Years

£203.05 per month
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£250,000 level term Life Cover for 30 Years

Critical Illness

Life Insurance & Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on January 2024.

Up to £182,992 over 20 years
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30 year old born in 1993

Up to £134,895 over 20 years
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35 years old born in 1988

Up to £97,614 over 15 years
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40 years old born in 1983

Up to £62,718 over 15 years
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45 years old born in 1978

Up to £45,832 over 10 years
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50 years old born in 1973

Up to £29,574 over 10 years
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55 years old born in 1968

Up to £18,716 over 10 years
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60 years old born in 1963

Up to £12,243 over 10 years
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65 years old born in 1958

Up to £6,595 over 10 years
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70 years old born in 1953

Whole of Life

Whole of Life Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on January 2024.

Up to £5,437 sum assured
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30 year old born in 1993

Up to £4,624 sum assured
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35 years old born in 1988

Up to £3,931 sum assured
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40 years old born in 1983

Up to £3,345 sum assured
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45 years old born in 1978

Up to £3,137 sum assured
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50 years old born in 1973

Up to £2,655 sum assured
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55 years old born in 1968

Up to £2,277 sum assured
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60 years old born in 1963

Up to £1,799 sum assured
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65 years old born in 1958

Up to £1,374 sum assured
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70 years old born in 1953

No Matter Where You Are In The UK, We Can Help!

We work with highly experienced partners that are able to look any individual circumstances.