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Quotes tailored to you
Our partners inquire thoughtfully and customise our quotes, ensuring you receive the perfect coverage that aligns with your specific requirements.
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Our partners streamline the comparison process, ensuring you make smarter decisions effortlessly for a secure and well-informed future.
What is Life Insurance
Life insurance is a financial safeguard designed to provide support to your loved ones in the event of your death. With options like level term, decreasing term, and whole of life policies, each offering the same pay-out structures, the aim is to alleviate potential financial burdens on your family, offering reassurance to those closest to you.
How does it work?
Life insurance, much like other insurance types, follows a straightforward structure. Regardless of the specific type chosen, the general process involves paying regular premiums over a defined term. In the unfortunate event of your passing, the insurer provides a tax-free lump sum to your beneficiaries. This payout can be utilised to settle mortgages, clear debts, and cover living expenses for your family.
Add policy extras or compare alternative policy types
Critical illness cover
Provides a tax-free lump sum payout in the unfortunate event of being diagnosed with a terminal illness during the policy term
Joint life insurance
Providing comprehensive coverage for two individuals under a single policy, ensuring financial protection for your loved ones with a single payout.
Whole of Life
Offering continuous coverage and a guaranteed payout to protect your loved ones, ensuring peace of mind for the entirety of your life journey.
Over 50s life insurance
Designed to offer financial security with a simplified application process, ensuring peace of mind for those in their golden years.
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Complete the Application
Fill out our quick online application, which can be done in under 60 seconds.
Consultation on Your Needs
Connect with one of our specialists who will guide you through the essential details.
Enjoy Peace of Mind
Kick back and unwind, knowing your coverage is active.
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 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
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
£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
£1,799 sum assured
65 year old born in 1958
£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
£182,992 over 20 years
30 year old born in 1993
£134,895 over 20 years
35 year old born in 1988
£97,614 over 15 years
40 year old born in 1983
£62,718 over 15 years
45 year old born in 1978
£45,832 over 10 years
50 year old born in 1973
£29,574 over 10 years
55 year old born in 1968
£18,716 over 10 years
60 year old born in 1963
£12,243 over 10 years
65 year old born in 1958
£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.