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  • You can insure just your own life or you have the option to cover yourself and your partner with a joint policy.

    Joint cover is designed to give you both life insurance protection and peace of mind.

  • Please tell us what is the amount of cover required. This is the lump sum payment that will be paid to your loved ones in the event of your death.

    The lump sum payment is there to payoff your mortgage and give your family a cash lump sum if needed.

    If you are not sure what is the amount of cover required then simply choose an approximate amount. You can then revise the cover amount (if required) when you have your quote.

  • This is the number of years you wish the policy to run for.

    If you are taking the policy to pay off a mortgage you would normally select a period that mirrors the length remaining on your mortgage.

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About your cover
  • ?

    Life Insurance Only

    Its an affordable way of helping make sure that your family and loved ones are financially secure in the event of your death.

    Life Insurance + Critical Illness

    Provides a lump sum of money should the policy holder be diagnosed with having a critical illness during the term of the policy as well as paying out in the event of death.

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    Term Level Cover

    Is a cover that will always remain at the agreed sum assured and this is designed if you are looking to protect a family or a salary in the event of illness.

    Decreasing Cover

    Is a cover that decreases over the term of the cover reducing down to nothing this is designed to cover a repayment mortgage.

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    Guaranteed Premium

    A Guaranteed policy is where the insurance company guarantees never to raise the premium at any time during the duration of the policy.

    Reviewable Premium

    A Reviewable policy is where the insurance company reviews your premium regularly (normally every 2 to 5 years) and has the right to increase your premium at the review date.

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About your cover
  • ?

    Our panel of insurers are able to offer competitive policies even if you smoke or have an existing illness. People who smoke are not excluded from taking out a life insurance policy.

About your partner
  • ?

    Our panel of insurers are able to offer competitive policies - people who smoke are not excluded from taking a life insurance policy.

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We compare over 65 leading insurers including:

  • Aviva
  • Bupa
  • FriendsLife
  • Liverpool Victoria
  • Legal & General
  • Prudential

Life Insurance Guides and Common Terms

Life insurance may sound complicated and our brief guide below may help you understand some of the terms used a little better however please remember that our trained staff are always on hand to explain anything and to guide you where needed. They are employed to find the right policy to suit your needs so if you are looking for help with your Life insurance please contact us today.

Life Insurance:

Life Insurance which is sometimes also known as life assurance and life cover is a insurance contract between a policy holder which will normally be yourself or possibly yourself and your partner and an insurance company. The insurance is designed to pay a sum of money upon the death or where specified the diagnosis of critical illness of the insured person or persons. In return for this life insurance cover the policy holder agrees to pay a pre arranged sum to the insurer normally in the form of a monthly insurance premium payment.

Term Life Insurance

Term life insurance is designed to cover a specific period of time rather than the whole of a persons life. This means that an insurance policy may be taken to cover a set term, for example 20 years and the insurance will only pay out if the insured dies within this period. When the term ends it is up to the insured to renew or extend the policy if they wish to continue to be insured.

There are different types of term insurance.

Level term Insurance

This will pay out a fixed prearranged sum of money when the policy holder dies. The amount paid to the persons relatives remains fixed during the term of the policy and does not decrease in value.

Decreasing Term insurance.

This will pay out a sum which gradually decreases during the term of the policy. This will normally be used to cover financial commitments which will shrink during the duration of the policy. For example – a repayment mortgage will gradually be paid off and your debt will decrease over a 25 year term. If you need a life insurance policy to cover this mortgage following your death a decreasing term policy will decrease in line with your mortgage repayments.

Increasing Term Insurance

This is designed to combat inflation. The amount paid on death will grow with inflation to give your family an amount that grows in value over time.

Whole Life Insurance

Whole Life Insurance is designed to pay a guaranteed sum in the event of your death. This is paid to your dependants/family. In some cases it will also pay on the diagnosis of a critical illness. These are sometimes called straight life insurance or permanent life insurance policies as the cover your whole life term rather than just a pre-arranged period during your life.

How we compare…

Insurer Monthly Premium Total Saving* £5.07
More Than £6.72 £396.00
Sainsburys Bank £7.75 £643.32
Tesco Bank £8.14 £736.80

* Total saving based on a 20 year, £100,000 Level Term policy for a 34 year old male non smoker.
Prices quoted correct as of 19/01/2013.