Life insurance is designed to protect your loved ones financially in the event of your death. The payment your family receive can help to cover mortgage payments, funeral costs and other essential expenses after you’re gone.
The money that is paid out to your family is dependent on a range of factors including the type and level of life insurance cover you take out. There are many UK poviders offering varying life insurance - this includes diffferent costs, length of policy and terms included.
Find out more about how life insurance works below, or start your free online quote to compare different levels of cover from over 200 of the UK’s leading insurance providers.
Our quick and simple online tool generates instant quotes from a wide range of leading life insurance providers.
Using the details you provide, we generate competitive quotes to help you find the most cost-effective policy.
We provide quality service and outstanding customer satisfaction, and our Feefo rating reflects that.
We offer a free personalised health check from Thriva for everyone named on your new insurance policy.
A policy with fixed monthly premiums and a lump sum payout that remains the same regardless of when a claim is made.
This type of policy is often used to cover loan repayments. The payout total reduces over time in line with the balance left on your mortgage or loan agreement.
The specifics of what is covered depends on the insurance provider chosen, so it’s vital that you read your policy documentation clearly when comparing quotes.
Here are some examples of things that are commonly covered by standard life insurance policies:
| Usually Covered | Usually Not Covered |
|---|---|
|
Most common causes of death Cancer and other diseases Unexpected illness Heart attacks Accidental death |
Drug or substance abuse Life-threatening activities Critical illness or injury Pre-agreed health issues Non-declared conditions |
Life insurance premiums are dependent on a variety of factors and providers will require certain information to guage your circumstances. Here are some of the things that are taken into account when applying for insurance policies:
To find out how much life insurance could cost you, start your free online quote - I'm Insured will compare insurance providers across the market to find you the most suitable cover at the best price.
Provide all of the required personal information such as age, occupation and current health conditions in order to generate a policy quote based on your current circumstances.
Based on your current circumstances and what you need to be covered for, you can customise your policy and add any extras or additional coverage you may need.
Once you have chosen your provider and taken out your life insurance policy, you’ll start making the agreed monthly payments that are stated in your policy agreement.
In the event of your death (or pre- agreed diagnosis of terminal illness), yourself or your loved ones are then able to make a claim on your policy. A lump sum will be paid to the chosen recipient.
We offer a range of insurance products from the UK's leading providers. Get a quote online or speak to one of our dedicated and experienced consultants.
Find out moreWe arrange life insurance for a people with a range of pre-existing medical conditions. Our consultants are experienced and sensitive to a range of conditions
Find out moreWe can arrange life cover for a range of specialist occupations& hobbies such as firefighters, policemen, farmers, automobile racing, and many others.
Find out moreDo you know how much life insurance cover you may need? Our online calculator makes it simple to find out, try it here!
Find out moreInformation about various life insurance providers. We provide quotes from the whole of market, meaning that we compare all of the UK's leading providers
Find out moreFor a limited time we're excited to announce that every new life insurance policy arrange will come with a free, at home, personalised blood test and health check
Find out moreThat means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.
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