Life insurance

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

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


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***50% of people could achieve a quote of '£5.74' for their 'Life (Non Smoker - Under 30)' insurance based on data in December 2017.
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Buy your life insurance online through and claim an Gift Card from £25 to £100****

Simply quote and purchase your life insurance online through to receive this offer.

  • Gift Card value dependent upon your monthly premium. See full terms and conditions.
  • Offer available for policies applied for online.
  • You will be contacted to claim your Gift Card shortly after paying your third monthly premium.

Compare cheaper life insurance quotes

Life insurance is about making sure the people you love most are well looked after should the worst happen. It could ensure your family keep the home they’ve grown up in or that your children go to university, 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 without worrying. And it doesn’t have to break the bank. Life insurance can cost as little as £5.74 a month.***

We make it easy to compare life insurance quotes, whether you want to check out your options online, or speak to an expert.

Frequently thought questions

Want to know a bit more about life insurance before you get started? We’ve put together the following answers to some questions often thought but rarely asked about Life insurance.

What is life insurance?

Life insurance pays out a sum of money to your dependants if you pass away. Your partner, your children or anyone else who depends on you financially could be a beneficiary. 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 financial commitments, including your mortgage, childcare costs and even funeral expenses, are taken care of when you’re not around.

We can help you find life insurance cover that’s right for you. If you get stuck or confused at any point during the quote application, LifeSearch are on hand to help answer any questions. They’re one of the UK’s most awarded life insurance specialists, providing free and impartial advice.

What types of life insurance are available?

Broadly speaking, there are two main types of life insurance cover: level-term insurance and decreasing cover insurance.

Level-term insurance means your cover is for a particular period of time (10 or 15 years, for example.) If something was to happen after that period, then you wouldn’t be covered by the policy.

Decreasing cover insurance is designed for people whose protection needs to decrease over time – for example, if you’re paying off your mortgage. As the amount you owe on your mortgage decreases, the cover amount you might need in the event of your death will reduce.

You’ll find more information in our guide to the different types of life insurance.

Which life insurance cover is right for me?

When it comes to life insurance policies, your options include the following: level-term, joint life policies, over-50s plans and whole of life insurance. Deciding which is right for you depends on your personal circumstances.

Level-Term will leave a lump sum in the event of your death. Commonly chosen by those looking to provide protection for financial commitments such as childcare costs, which could help maintain your loved ones’ lifestyle.

Joint life policies could be a good idea for couples who share financial commitments. These can be cheaper than two separate policies. However, it’s worth remembering that these policies end once the first partner passes away.

Over 50s plans tend to offer a smaller payout to cover things such as funeral expenses, but the premium is guaranteed for life. These types of plans usually won’t require a medical as most are calculated on a statistical risk.

Whole of life insurance covers for you for life. It’s good in the way that if your health deteriorates then your premium won’t be affected. However, these policies are often more expensive than other policies.

If you’re unsure about the exact amount of cover you’ll need, use our handy Life Insurance Cover Calculator to get an estimate.

Who should think about getting life insurance?

Those with loans, mortgages and financial dependents should consider getting a life insurance policy. Although it’s common to get a new policy after a major life event (having a baby or moving house), it might be a good idea to buy when you’re young and healthy as the premiums could be cheaper.

If you’re a home owner, your policy isn’t tied to your mortgage, so it’s still worth comparing your options to see if you can save on an existing policy.

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When should you get life insurance?

Whatever your age, as an adult it’s always a good time to start thinking about life insurance. In general though, it pays to buy young. While you might feel like it’s too early to be planning for the future, lots of things happen in your 20s that might require cover, such as buying a house or starting a family. And at this stage of life, insurance providers tend to think of you as less risky as you’re more likely to be healthy and less likely to claim, so insurance premiums are lower.

But if you’re still not sure when you should get life insurance, our handy tool allows you to find out just how much a life insurance policy could cost, whatever your age (and how many coffees it would take to pay for it).

when should you buy life insurance?

A simples guide to life insurance

Types of cover available - the easier way to save

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