We’ll find the best life insurance quote for your peace of mind and financial protection for your loved ones.
Life insurance financially protects you and your loved ones when you’re no longer able to. Our quick and simple online tool lets you compare life insurance quotes from the UK’s leading providers to find the best policy and price to match your needs.
What is Life Insurance?
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.
Why choose I’m Insured?
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.
Free Health Check
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.
- You pay a fixed monthly premium that stays the same throughout the policy term
- In the event of your death, your loved ones can make a claim against the policy
- A cash lump sum will be paid out in the event of a successful claim
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.
- You pay a fixed monthly premium that stays the same throughout the policy (it is often lower than Level Cover)
- The lump sum payout amount gradually decreases throughout the policy term
- A cash lump sum will be paid out in the event of a successful claim
What does life insurance cover?
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 Not Covered
Most common causes of death
Cancer and other diseases
Drug or substance abuse
Critical illness or injury
Pre-agreed health issues
What factors can affect a life insurance comparison?
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:
- Medical History
- Smoker Status
- Cover Length
- Amount of Cover
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.
How does life insurance work?
Get Your Quote
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.
Choose Your Policy
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.
Pay Your Premiums
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.
Make a Claim
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.
Frequently Asked Questions
How is life insurance paid out?
Lump sum payouts are usually the most common, however, there are other options in how loved ones can receive a life insurance payout. Instalments can be made monthly, quarterly, annually or every five years.
Who is life insurance paid to?
When should I take out life insurance?
Can I be insured with a pre-existing medical condition?
Can I review my policy if I quit smoking?
Can I claim if I am terminally ill?
How much life insurance do I need?
Is my life insurance payout taxable?
We search the UK's Leading Insurance Providers
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Pre-existing Medical Conditions
We 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
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WHY CHOOSE US
We can also help with putting your policy into trust.
That 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.