Peace of Mind is just a few clicks away…

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Life can be unpredictable,  help protect what matters most to you. Having life insurance gives you the comfort of knowing that, if you pass away within the policy term, your loved ones will have a lump sum on a valid claim to help them manage financially – with the mortgage, bills, childcare, or just help to maintain their standard of living.

Find tailored life cover at the right price by comparing deals from leading UK insurers, all in one place.

Get a Free Quote | Life Insurance Calculator

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Choose the type of Life Insurance you need?

There are many different types of life insurance available, and it can be difficult to know which one is right for you. The most common types of life insurance are term life, whole life, over 50’s, joint policies and life insurance with pre existing medical conditions.

When choosing a life insurance policy, it’s important to consider your needs and budget. If you’re looking for the most affordable option, term life insurance is typically the best choice. However, if you want lifetime coverage, whole life insurance may be a better option. If you’re over 50 or have pre existing medical conditions, there are specific policies available that may be more suitable for you. Ultimately, the best type of life insurance for you will depend on your individual circumstances.

Term Life Insurance

Term life insurance is the most basic type of life insurance, and covers you for a set period of time, usually 10-30 years. Learn more about term life insurance..

Whole of Life Insurance

Whole life insurance covers you for your entire life, and is generally more expensive than term life insurance. Learn more about whole life insurance here..

Joint Life
Insurance

Joint policies are for couples or families, and cover both people on the policy. There are many options available when choosing a joint or family life insurance, learn more here..

Pre-Existing Conditions

Life insurance with pre existing medical conditions is designed for people who have existing health conditions that may make them uninsurable on a standard policy.

Over 50’s Life Insurance

Over 50’s life insurance is designed for people aged over 50, and usually doesn’t require a medical exam. Learn more about over 50’s life insurance here..

Life Insurance Calculator

life insurance calculator can provide an estimate how much life insurance you need. Our life insurance calculator provides the simplest way to calculate how much life cover you may need.

Other ways you can protect your family & yourself

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Other types of insurance you can buy to protect yourself and your family depending on your needs. These include critical illness cover, income protection and funeral insurance. There are many options available for these types of products, so it’s important to compare them before you choose one.

Critical Illness Insurance

Critical illness insurance is a type of protection you can buy with life insurance. It pays out a lump sum if you’re diagnosed with a critical illness, which can help you cover the cost of treatment and other expenses. There are many different types of critical illness insurance plans available, so it’s important to compare them before you choose one.

Funeral Insurance Plan

Funeral insurance is another type of protection you can buy with life insurance. It pays out a lump sum to help cover the cost of your funeral. This can take some of the financial burden off your loved ones at an already difficult time. There are many different funeral insurance plans available, so it’s important to compare them before you choose one.

Income Protection Insurance

Income protection is another type of protection you can buy with life insurance. It pays out a regular income if you’re unable to work due to illness or injury. This can help you cover your living costs and keep up with your financial commitments. There are many different income protection plans available, so it’s important to compare them before you choose one.

Peace of mind could be just one phonecall away…

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Life can be unpredictable,  help protect what matters most to you. Having life insurance gives you the comfort of knowing that, if you pass away within the policy term, your loved ones will have a lump sum on a valid claim to help them manage financially – with the mortgage, bills, childcare, or just help to maintain their standard of living

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Its so simple…

Nobody knows what’s in store for the future, so it’s wise to be prepared for anything. Life insurance is essential for securing the future of those you love; offering financial security in the event of tragedy.  Make sure you and your family are secure and protected by searching for FCA regulated Life Insurance Experts near you for free quotes and helpful advice.

Frequently Asked Questions

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Below are some of the own most frequently asked questions regarding life insurance. Please take the time to read through our Life Insurance FAQ’s which lists the most commonly asked questions. View comprehensive list of life insurance FAQs

If you’re not in a relationship and have no dependents, life insurance may not be necessary. However, if you have family members who rely on your financial support and would find it hard to cope without it if you were to pass away, then you should think about obtaining an insurance policy.

A life insurance policy does exactly as it promises, providing a lump sum or to your chosen beneficiaries when you are no longer around. It is simply another way to look after the ones you love and provide for them.

You’ll have to take into account your own situation, such as the size of your mortgage, family and usual lifestyle when deciding how much coverage to get. Ten times your salary is a good starting point but you should thoroughly check your family budget before making a decision. A lump sum policy can be used to clear off the mortgage on the home you live in and ease any financial issues for those left behind. For policies that pay an income, look at the regular costs such as rent or mortgage payments. Think about the value of any possible pay-outs against what you’d pay for premiums right now before committing. Make sure that you don’t agree to a plan with charges that are too much for you – if you fail to make premium payments, your policy would become invalid and no support would be provided.

A whole of life assurance policy provides you with peace of mind, as it guarantees the payout whenever you die, regardless of when you took out the policy. In contrast, a term life insurance policy has an expiry date after which your family cannot make a claim upon your death.

Your premiums will be affected by a variety of factors, such as your age and health, whether or not you smoke and drink, your weight and occupation. Younger people who are thin, do not smoke, imbibe in moderation (or not at all) and have desk jobs may find the most affordable premiums. A life insurance expert can help you to get accurate quotes and ascertain the cost of your cover.

Finding life insurance may be challenging for those with pre-existing medical conditions, such as diabetes. Some insurers may deny coverage altogether, while others may accept it but set expensive premiums. It is also possible for policies to exclude any deaths related to the condition; meaning that your family could not benefit from the policy in such a situation.

If you have a serious medical condition, you may need to find a specialist provider for your life insurance policy. Doing so will likely result in paying an additional fee for the coverage.

Payouts from a life insurance policy are not subject to income or capital gains tax. Nevertheless, they could be counted as part of your estate and so might be liable to inheritance tax. To protect the proceeds from such taxation you should have the policy written into a ‘trust.’

Life insurance policies typically have exclusions written into their terms and conditions. Generally, these include death – caused by suicide; alcohol or drug consumption; hazardous sports or hobbies like mountaineering; or casualty resulting from a war or terrorism.

Compare Life Insurance Quotes from Trusted
UK Providers

Tell us what you need  using the simple form below and we’ll compare life insurance policies to get you the best for you including any pre-existing medical conditions, dangerous occupations and activities. Find tailored life cover at the right price here by comparing deals from leading UK insurers, all in one place.

Its easy, just enter your location to start!

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We‘ve helped thousands of people achieve peace of mind by finding the right right life insurance cover for them…

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Phenomenal

“I wanted to let you know how happy I am with my life insurance. I was a single mum and needed some security for my daughter in the event of my death. The life insurance company I found through lifesinsurance.co.uk and went with was more than helpful and left me feeling secure with my decision.

Rebecca Coulson

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Incredible

“Life insurance has provided me a safety net and I have been able to sleep better at night knowing that my family will be cared for if anything were to happen to me. The cover offer I went for offers all the death benefits details including: income protection, coverage for dependents, mortgage protection and more.

Alan Wood

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