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Why Get Life Cover Insurance

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Why Consider Life Insurance?

Life insurance is a form of financial protection that provides a payout to your loved ones in the event of your death. While it’s not a subject many of us enjoy discussing, life insurance is an important part of many people’s financial planning.

Life insurance helps ensure your loved ones’ financial security after your death. Your payout could assist your loved ones when it comes to funeral charges, unpaid debts, or simply daily living expenses. This can be a great help in reducing your loved ones’ financial and emotional load at a challenging time, giving them some much needed space to grieve.

Cheaper Life Insurance is an easy way to find the best life insurance policy for your individual requirements.

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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 choose a term between 2 and 40 years, depending on the insurer.

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.

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.

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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

£4.18 per month* AIG £150,000 level term Life Cover for 30 Years
£4.35 per month AIG £175,000 level term Life Cover for 30 Years
£4.62 per month AIG £200,000 level term Life Cover for 30 Years
£4.88 per month AIG £225,000 level term Life Cover for 30 Years
£5.16 per month AIG £250,000 level term Life Cover for 30 Years

30 Year Old

non-smoker in good health

£6.98 per month AIG £150,000 level term Life Cover for 30 Years
£7.93 per month AIG £175,000 level term Life Cover for 30 Years
£8.71 per month AIG £200,000 level term Life Cover for 30 Years
£9.48 per month AIG £225,000 level term Life Cover for 30 Years
£10.19 per month AIG £250,000 level term Life Cover for 30 Years

40 Year Old

non-smoker in good health

£10.31 per month Aviva £150,000 level term Life Cover for 30 Years
£11.56 per month Aviva £175,000 level term Life Cover for 30 Years
£12.84 per month Aviva £200,000 level term Life Cover for 30 Years
£14.12 per month Aviva £225,000 level term Life Cover for 30 Years
£15.40 per month Aviva £250,000 level term Life Cover for 30 Years

50 Year Old

non-smoker in good health

£23.55 per month AIG £150,000 level term Life Cover for 30 Years
£25.95 per month Legal & General £175,000 level term Life Cover for 30 Years
£29.37 per month Legal & General £200,000 level term Life Cover for 30 Years
£32.79 per month Legal & General £225,000 level term Life Cover for 30 Years
£36.20 per month AIG £250,000 level term Life Cover for 30 Years

60 Year Old

non-smoker in good health

£43.40 per month Legal & General £150,000 level term Life Cover for 30 Years
£48.22 per month Legal & General £175,000 level term Life Cover for 30 Years
£54.82 per month Legal & General £200,000 level term Life Cover for 30 Years
£61.42 per month Legal & General £225,000 level term Life Cover for 30 Years
£68.02 per month Legal & General £250,000 level term Life Cover for 30 Years

70 Year Old

non-smoker in good health

£120.56 per month Aviva £150,000 level term Life Cover for 30 Years
£137.98 per month Aviva £175,000 level term Life Cover for 30 Years
£159.67 per month Aviva £200,000 level term Life Cover for 30 Years
£181.36 per month Aviva £225,000 level term Life Cover for 30 Years
£203.05 per month Aviva £250,000 level term Life Cover for 30 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.

£8 per month

Legal & General

£5,437 sum assured

30 year old born in 1993

Aviva

£4,624 sum assured

35 year old born in 1988

Aviva

£3,931 sum assured

40 year old born in 1983

Aviva

£3,345 sum assured

45 year old born in 1978

Aviva

£3,137 sum assured

50 year old born in 1973

Aviva

£2,655 sum assured

55 year old born in 1968

Aviva

£2,277 sum assured

60 year old born in 1963

Aviva

£1,799 sum assured

65 year old born in 1958

Aviva

£1,374 sum assured

70 year old born in 1953

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.

£5 per month

Legal & General

£182,992 over 20 years

30 year old born in 1993

Aviva

£134,895 over 20 years

35 year old born in 1988

Aviva

£97,614 over 15 years

40 year old born in 1983

Aviva

£62,718 over 15 years

45 year old born in 1978

Aviva

£45,832 over 10 years

50 year old born in 1973

Aviva

£29,574 over 10 years

55 year old born in 1968

Aviva

£18,716 over 10 years

60 year old born in 1963

Aviva

£12,243 over 10 years

65 year old born in 1958

Aviva

£6,595 over 10 years

70 year old born in 1953

Frequently Asked Questions

How much does life insurance cost?

Your quote will be dependant on certain features of your policy, the size of the sum to insure and also your perceived risk – your job/hobbies etc.

Age is a factor. Life cover will be more expensive for an older applicant, additionally, somebody suffering from certain medical conditions may expect higher monthly premiums.

Numerous details are used to calculate the cover premium, including location, hobbies, occupation, lifestyle (health, weight, fitness etc)

How much life insurance do I need?

The amount of cover you require will depend on your personal circumstances. This amount will differ for each individual or family and can be based on a multiple of salary, overall amount of debt or a combination of the two.

Life insurance may also be used to provide additional inheritance to your loved ones or to cover an amount of inheritance tax you expect they will need to pay. The amount of cover you decide may be subjected to checks to ensure the policy holder is not over insured and the selected policy is fit for purpose.

Are life insurance premiums fixed?

The majority of policies have fixed premiums throughout the length of the term. Some policies are classed as ‘reviewable’, this form of cover is generally reviewed every 5-10 years and prices change to reflect the review.

You can elect to include index linking to some policies. This is where the amount you are insured for increases each year in order to reduce the impact of inflation against the policies value. If this option is selected then your premium is also likely to increase at each annual review.