Life insurance


Compare life insurance quotes and help protect what's most important to you

 

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Buy your life insurance online through comparethemarket.com and claim an Amazon.co.uk Gift Card from £25 to £100***. Click here to find out more.

How to compare life insurance

Life insurance is about making sure the people you love most are looked after financially, should the worst happen. It could mean your family keeps the home they've grown up in, even if you're not around to help with the expense.

The peace of mind it provides allows you to get on and enjoy life. What's more, for 10% of our customers, monthly premium cover starts from as little as £3.55.***

It's easy to compare life insurance quotes. You can check out options online in a few minutes. Alternatively, if you're unsure about anything in the quote application you can speak with an adviser at LifeSearch.


***10% of customers could achieve a premium of £3.55 per month based on Compare the Market data from May 2018. Based on a £100,000 decreasing term policy over 10 years with guaranteed premiums for a 30 year old non-smoker.

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Frequently asked questions

What is life insurance?

Life insurance is a type of policy that pays out a sum of money to your dependants if you die. Your partner, your children or anyone else who depends on you financially could be a dependant. The cost of life insurance will depend on several factors, such as your age, lifestyle and health.

Life insurance gives you peace of mind that any financial commitments you have – including your mortgage, childcare costs or funeral expenses – are taken care of when you’re not around.

What are the main types of life insurance cover?

The two main types of life insurance cover are level-term insurance and decreasing cover insurance.

Level-term insurance covers people for a period of time and typically offers a fixed lump sum of money if they pass away during that time period.

Decreasing cover is a type of insurance that’s often (but not always) bought to clear a specified debt that itself decreases over time. This type of cover is often taken out to cover mortgage costs.

There are many other types of cover to think about, including critical illness cover and whole of life insurance.

Which life cover is right for me?

The level of life cover that’s right for you will depend on your personal circumstances. Your options include: level-term, joint life policies, over-50s plans and whole of life insurance.

  1. Level-term will offer a lump sum to a dependent in the event of death. You could choose this to ensure your financial commitments, such as childcare costs, can still be paid.
  2. Joint life policies are often chosen by couples. You choose an amount of cover, which is paid out in the event that you or your partner passes away during the length of the policy. If this happens then the policy would then end.
  3. Over-50s plans tend to offer a smaller payout to cover things such as funeral expenses, but the amount you pay for your premium is guaranteed so it won’t go up or down.
  4. Whole of life insurance covers a person for their whole life. If your health deteriorates then your premium won’t be affected. However, these policies tends to be more expensive than others.

When should I think about getting life insurance?

Whatever your age, as an adult it’s always a good time to start thinking about life insurance. In particular people with loans, mortgages and financial dependents should think hard about getting a life insurance policy.

Although it’s common to get a new policy after a major life event – such as having a baby or moving house – it can be a good idea to buy at any time as the insurance premium you’re offered could be cheaper.

This is because providers tend to think of younger people as less risky as they’re more likely to be healthy and therefore less likely to claim.

So there you have it. Whether you’re a spring chicken or not, there isn’t a better time than now to shop around for peace of mind with life insurance.