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†Cover from £5 Per Month
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Our Process
Finding the right life insurance policy should be straightforward and stress-free. We’re here to help guide you through every step.
1. Fill Out a Simple Application Form
Complete a short application form with some basic details to help us understand your unique needs and preferences.
2. Explore Your Options
One of our trusted life insurance partners will contact you to discuss the best options available based on your individual circumstances.
3. Choose the Right Policy for You
Take your time to review the options provided and select the life insurance plan that best suits your needs. Our service is free, confidential, and comes with no obligation to proceed.
We make it easy to connect with trusted UK brokers and insurers, who will guide you in finding the best plan for your personal situation.
Why Critical Illness Cover Matters
Critical Illness Cover provides a one‑off lump sum payment if you are diagnosed with a specified serious illness during the policy term — for example, cancer, stroke or heart attack (depending on policy).
The lump sum can help with medical costs, replacement income, mortgage payments or other expenses that may arise when you are recovering.
Understanding Critical Illness Cover Prices
Many people assume that Critical Illness Cover is unaffordable, but the cost depends on many factors such as your age, health, lifestyle, cover amount and term.
When you apply through us, we’ll connect you with providers who can offer cost‑effective options tailored to your budget.
Why Apply Through Us?
- Quick and Easy Application
Our simple application form takes just 60 seconds to complete, saving you time and hassle. - Matched with Trusted Insurers
Based on the details you provide, we’ll match you with the most suitable life insurance providers who can offer you the coverage that fits your needs. - Secure and Confidential
We take your privacy seriously. Your personal data is protected with robust security measures, ensuring that your information remains confidential.
Get a free, no-obligation quote today and connect with our trusted partners who can help tailor a life insurance solution to your individual needs.
Frequently Asked Questions
How much cover do I need?
It depends on your personal situation: outstanding mortgage, income, savings, dependents, lifestyle. Many advisers suggest aiming for enough to cover 3‑5 years of lost income or your major commitments — but you should tailor the amount to your own circumstances.
Does Critical Illness Cover pay out for any illness?
No — only the specified illnesses defined in the policy are covered. If you are diagnosed with a condition not listed, there will be no payout. Also you may need to survive a minimum number of days after diagnosis (often 14 days) before the benefit is payable.
Can I get cover if I have a pre‑existing medical condition?
Possibly — but the premium may be higher; you may face exclusions or be declined entirely. It’s important to compare providers and understand how your health may affect the terms.
What if I miss premium payments?
If you don’t keep up with your premiums the policy may lapse and you could lose your cover. Always check the terms to see if there is a grace period.
Can I cancel the policy?
Yes, you can cancel, but you may not get any premiums back, especially in the early years of the policy. If you later apply for a new policy your terms might be less favourable.
Important Notes
No Obligation
The quotes and services we provide are free of charge and there is no obligation to purchase a policy.
Not Financial Advice
We do not provide personalised financial advice. We provide general information and connect you with licensed insurers/brokers who can offer tailored options.
FCA Compliance
We work with regulated and authorised partners so that all products we refer you to comply with the Financial Conduct Authority rules and regulation
Types of Life Insurance Policies
Overview
Best For
Term Life Insurance
Term life insurance is a straightforward policy that provides coverage for a specific period (e.g., 10, 20, or 30 years). If you pass away during the term, your beneficiaries receive the sum assured. If you survive the term, no benefit is paid, and the policy ends.
Best For:
Those seeking affordable coverage for a specific period, such as while their children are young or during a mortgage term.
Whole of Life Insurance
Whole of life insurance offers coverage for your entire life. As long as you continue paying the premiums, your beneficiaries will receive a payout upon your death, no matter when it occurs. These policies often have higher premiums but offer peace of mind knowing your family is protected for life.
Best For:
People who want lifelong coverage, especially those interested in leaving a guaranteed inheritance or covering funeral expenses.
Critical Illness Insurance
Critical illness insurance provides a lump sum payment if you’re diagnosed with a specified critical illness, such as cancer, stroke, or heart attack. The policy can be added to a life insurance policy or purchased separately. The payout can be used to cover medical costs, loss of income, or any other financial needs during recovery.
Best For:
Those looking for protection against life-altering health conditions that could impact their ability to work and manage everyday expenses.
Income Protection Insurance
Income protection insurance provides a replacement income if you’re unable to work due to illness or injury. The policy typically pays out a percentage of your regular earnings until you return to work or reach retirement age, depending on the policy terms.
Best For:
People who want to protect their income in the event of a serious illness or injury that keeps them from working for an extended period.
Family Income Benefit
Family income benefit is similar to term life insurance, but instead of a lump sum payout upon death, your family will receive a regular monthly income for a predetermined period. This can be particularly useful for families who rely on a regular income.
Best For:
Families that need to replace lost income to maintain their standard of living.
Over 50s Life Insurance
This is a type of whole life insurance specifically designed for people over 50 who want to leave an inheritance or cover funeral costs. The premiums are typically fixed, and the coverage may not require a medical exam (depending on the insurer).
Best For:
Individuals over 50 looking for life insurance without the need for a medical exam and who want to leave a small lump sum to their beneficiaries.
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 7th February 2025.
†From £10 per month for up to £300,000 is an example based on the following pricing illustrations. £10 per month Life Insurance 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 7th February 2025.
£322,952 over 20 years
30 years old born in 1995
£197,619 over 20 years
35 years old born in 1990
£159,606 over 15 years
40 years old born in 1985
£92,280 over 15 years
45 years old born in 1980
£67,652 over 10 years
50 years old born in 1975
£37,971 over 10 years
55 years old born in 1970
£20,242 over 10 years
60 years old born in 1965
£12,368 over 10 years
65 years old born in 1960
£7,497 over 10 years
70 years old born in 1955
†From £5 per month for up to £100,000 is an example based on the following pricing illustrations.£5 per month Life Insurance 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 7th February 2025.
£117,810 over 20 years
30 years old born in 1995
£75,745 over 20 years
35 years old born in 1990
£56,577 over 15 years
40 years old born in 1985
£35,960 over 15 years
45 years old born in 1980
£26,787 over 10 years
50 years old born in 1975
£17,018 over 10 years
55 years old born in 1970
£10,115 over 10 years
60 years old born in 1965
£6,181 over 10 years
65 years old born in 1960
£3,746 over 10 years
70 years old born in 1955
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 of 7th February 2025.
From £8 per month
£5,437 sum assured
30 years old born in 1995
£4,624 sum assured
35 years old born in 1990
£3,931 sum assured
40 years old born in 1985
£3,345 sum assured
45 years old born in 1980
£3,137 sum assured
50 years old born in 1975
£2,655 sum assured
55 years old born in 1970
£2,277 sum assured
60 years old born in 1965
Critical Illness
Life Insurance and 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 of 7th February 2025.
From £10 per month
£30,753 over 20 years
30 years old born in 1995
£22,278 over 20 years
35 years old born in 1990
£18,353 over 15 years
40 years old born in 1985
£13,425 over 15 years
45 years old born in 1980
£10,171 over 10 years
50 years old born in 1975
£7,100 over 10 years
55 years old born in 1970
£4,805 over 10 years
60 years old born in 1965
