Compare Life Insurance Plans
- Receive Tailored Quotes
- Help Protect Loved Ones
- Compare UK Insurers
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 Life Insurance Matters
Life insurance provides your family with financial security in the event of your death. It ensures that your loved ones receive a sum of money to help them maintain their standard of living, cover living expenses, mortgage payments, education costs, and other financial commitments.
While many understand the importance of life insurance, only a small percentage of people take action. According to Forbes.com (2023), only 35% of people in the UK currently hold a life insurance policy, despite 60% agreeing their family would benefit if the worst were to happen.
Take the next step to protect your family today. Speak with our experts to learn how life insurance can provide peace of mind and financial security for your loved ones.
Apply NowUnderstanding Life Insurance Prices
Many people believe life insurance is too expensive for them, but that’s not always the case. The cost of life insurance can vary depending on factors such as your age, health, lifestyle, the type of coverage you need (e.g., term or whole life), and the amount of coverage you select.
By applying through us, you’ll be connected with experts who specialise in finding the most cost-effective options tailored to your needs. We’ll help you secure the coverage you need at a price that suits your budget.
Why Apply Through Us?
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Quick and Easy Application
Our simple application form takes just 60 seconds to complete, saving you time and hassle.
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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.
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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 do I choose the right life insurance policy?
Choosing the right life insurance policy depends on your needs and preferences, such as the level of coverage you require and the type of policy you want. We recommend reviewing all available options carefully and consulting with a trusted expert who can guide you through the decision-making process.
Can I switch my life insurance policy?
Yes, you can switch life insurance policies at any time. If your needs change, or if you want to find a more affordable policy, switching is a viable option. Make sure to compare policies and consider your options carefully before making a change. Our experts are available to help you review and choose the best policy for your current situation.
What happens after I apply for a quote?
Once you’ve applied for a quote, we’ll connect you with a trusted insurer from our network. They will guide you through the next steps, including finalising your application, scheduling any necessary medical assessments, and securing your policy.
What is mortgage life insurance?
Mortgage life insurance is designed to protect your family from the financial burden of your mortgage in the event of your death. This type of life insurance ensures that your loved ones won’t be left with the responsibility of making mortgage payments during a difficult time. In addition to covering your mortgage, it can also provide financial protection for other debts or living expenses.
Important Notes
No Obligation
The quotes and services we provide are free of charge and come with no obligation to purchase a policy.
Not Financial Advice
We do not provide personalised financial advice. We connect you with licensed insurance providers who can offer professional experts tailored to your individual circumstances.
FCA Compliance
We work with regulated and authorised partners to ensure that all products and services we refer you to comply with the Financial Conduct Authority’s (FCA) rules and regulations.
What is the difference between life insurance and critical illness insurance?
Life insurance pays out a lump sum upon your death (or if you pass away within the policy term). Critical illness insurance, on the other hand, provides a lump sum payout if you’re diagnosed with a specified critical illness (such as cancer or stroke). Critical illness insurance can offer additional financial support during recovery.
How much life insurance do I need?
The amount of life insurance you need depends on various factors, such as your income, existing debts, dependents, and your financial goals. A good rule of thumb is to have enough coverage to replace lost income for several years and cover any outstanding debts (such as a mortgage). Many experts suggest having life insurance that is 10 to 15 times your annual income, but it’s best to tailor the coverage to your personal needs.
Can I add riders or additional cover to my life insurance policy?
Yes, many life insurance policies allow you to add “riders” or additional coverage options, such as critical illness cover, income protection, or accidental death benefits. These can help customise your policy to fit your needs, although they may increase the cost of your premium.
Can I get life insurance if I have a pre-existing medical condition?
Yes, it is possible to get life insurance with a pre-existing condition, although it may affect the cost of your premiums. Some insurers may offer standard rates, while others may require additional underwriting. It’s a good idea to compare policies and providers to find one that suits your needs.
Will my life insurance premiums increase as I get older?
If you have a term life insurance policy, your premiums are typically fixed for the duration of the term. However, with whole life insurance, your premiums are usually fixed for life. If you have a renewable policy (like some term insurance), the premiums may increase when you renew the policy, particularly as you age.
Can I change my life insurance policy once it’s been taken out?
Yes, you can typically make changes to your life insurance policy, such as increasing or decreasing coverage, adding riders, or switching providers (if your policy allows for portability). However, changes may impact your premiums or coverage limits, so it’s important to review the policy terms and consult with an expert before making adjustments.
What happens if I miss a premium payment?
If you miss a premium payment, your life insurance policy could lapse (terminate), and you may lose your coverage. Some policies offer a grace period, allowing you a certain amount of time to catch up on missed payments. If you miss multiple payments, the policy may be cancelled entirely. It’s important to stay in contact with your insurer and inform them if you’re having trouble making payments.
Can I cancel my life insurance policy?
Yes, you can cancel your life insurance policy at any time. However, depending on your policy, you may not receive any of the premiums back, especially if the policy is in its early years. It’s important to understand the terms and potential consequences before cancelling, as you may not be able to reinstate the policy or obtain a new one with the same conditions.
Does life insurance cover me if I die abroad?
Most life insurance policies cover death no matter where you are in the world, but some policies may have exclusions for specific regions or countries. Always check the terms of your policy for details, and let your insurer know if you plan to travel or live abroad for extended periods
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 2nd May 2024.
20 Year Old
non-smoker in good health
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
30 Year Old
non-smoker in good health
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
40 Year Old
non-smoker in good health
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
50 Year Old
non-smoker in good health
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
60 Year Old
non-smoker in good health
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
70 Year Old
non-smoker in good health
£150,000 level term Life Cover for 20 Years
£175,000 level term Life Cover for 20 Years
£200,000 level term Life Cover for 20 Years
£225,000 level term Life Cover for 20 Years
£250,000 level term Life Cover for 20 Years
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 2nd May 2024.
From £8 per month
£5,437 sum assured
30 year old born in 1993
£4,624 sum assured
35 year old born in 1988
£3,931 sum assured
40 year old born in 1983
£3,345 sum assured
45 year old born in 1978
£3,137 sum assured
50 year old born in 1973
£2,655 sum assured
55 year old born in 1968
£2,277 sum assured
60 year old born in 1963
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 2nd May 2024.
From £10 per month
£30,753 over 20 years
30 year old born in 1994
£22,278 over 20 years
35 year old born in 1989
£18,353 over 15 years
40 year old born in 1984
£13,425 over 15 years
45 year old born in 1979
£10,171 over 10 years
50 year old born in 1974
£7,100 over 10 years
55 year old born in 1969
£4,805 over 10 years
60 year old born in 1964