How much does life insurance cost?

From as little as £6 per month for basic cover. Premiums depend on your age, health, smoking status, and level of cover.

Do I need life insurance?

If anyone depends on your income — a partner, children, or anyone who'd be affected by your mortgage — life insurance is strongly recommended.

What's the difference between term and whole of life?

Term insurance covers a set period (e.g. 25 years) and is cheaper. Whole of life covers you indefinitely and always pays out.

Can I get life insurance with a pre-existing condition?

Yes, many insurers cover pre-existing conditions. Premiums may be higher or exclusions may apply depending on the condition.

How long does it take to get life insurance?

Many policies can be set up within 24 hours. Some medical conditions may require underwriting which can take a few weeks.

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Compare life insurance deals from the UK's leading providers

Finding the right life insurance doesn't have to be complicated. Our comparison service lets you compare quotes from multiple leading UK insurers, so you can find the right level of cover at the best possible price. Whether you're looking to protect your family, cover your mortgage, or plan for the future, we'll help you find a policy that fits your needs and your budget.

Types of Life Insurance

Level Term — A fixed payout over a fixed term. Your cover amount stays the same throughout the policy, making it ideal for protecting a specific financial obligation like an interest-only mortgage or providing a set lump sum for your family.
Decreasing Term — The payout reduces over time, typically aligned with a repayment mortgage. Because the cover decreases, premiums are usually cheaper than level term policies.
Whole of Life — Covers you for your entire life with a guaranteed payout whenever you pass away. Premiums are higher than term insurance, but a payout is certain as long as premiums are maintained.
Family Income Benefit — Instead of a one-off lump sum, this policy pays a regular tax-free income to your family for the remainder of the policy term. It can be a more affordable way to provide ongoing financial support.

How much life insurance cover do you need?

The right level of cover depends on your personal circumstances. When calculating how much life insurance you need, consider your outstanding mortgage balance, the number of dependents who rely on your income, how many years of income replacement your family would need, future education costs for your children, and funeral expenses. A good rule of thumb is to cover at least 10 times your annual income, but our advisors can help you work out the exact amount based on your situation.