|MoneySupermarket||Compare the Market||Go Compare||Confused.com||The Post Office|
|30 year old non-smoker||£6.66||£7.98||£8.65||£8.51||£8.12||£16.03|
|30 year old smoker||£11.52||£15.60||£14.49||£14.42||£15.74||£30.03|
|Joint 2x 45 year old non-smokers||£34.80||£51.26||£46.01||£45.89||£49.97||N/A|
Insurers you know, only much cheaper!
Get covered in as little as 15 minutes
MoneySavingExpert top pick for over 10 years
Any policy can be written in trust at no extra cost
Never beaten on price for an identical policy
No cold calling and no spam e-mails, ever!
Same cover, same insurers, cheaper premium!
Monthly premiums for £250,000 level term insurance over 25 years. Assumes person is in good health. Correct at 28th March 2019.
Do you need advice?
If you know what you want, our website enables you to get your life insurance quickly and at the lowest cost. But if you’re unsure about any aspect of your Life Insurance, you should ask for advice to help you get the most suitable policy at a competitive price.
Moneyworld is working in partnership with Vita, an independent whole of market insurance broker. Vita shares our values, there’s no hard sell, no pushy sales people, just fair and honest advice tailored to your circumstances.
If you think you need advice to decide which type of insurance is right for you then call 0800 464 0646 to speak to an adviser or complete the call-back form.
If you take out a policy with Vita we will receive some commission but we’ve reduced the amount to make sure you get a competitive premium. You won’t have to pay us any fee and you’ll get expert tailored advice from a company that we are very happy to recommend.
Request a call back
Yes to cheaper life insurance. No to cuddly toys.
What is life insurance?
The most straightforward type of life insurance pays out a chosen amount of money if the person insured dies. Cover is often taken out to provide for loved ones or to pay off a mortgage in the event of death. You’ll need to decide how much cover you would like and how long you’d like the policy to run for.
Do I need life insurance?
It really depends on your circumstances. An average single person with no dependants probably doesn’t. The main earner in a family with children definitely does! It’s not a nice subject but imagine how your loved ones would cope financially if you weren’t around.
Why are your premiums lower than other comparison websites?
Life insurance policies can pay big commissions to the broker/comparison site. If the broker keeps this commission it makes your premium more expensive. We sacrifice the commission and just charge £25. That’s why your premiums are cheaper with us.
How does life insurance work?
You choose how much cover you want and how many years you want cover for. You’ll pay a monthly premium to the life insurance company for as long as you keep your policy. If you die during the life of your policy, the amount of cover you’ve chosen will be paid out by the insurer.
How much cover do I need?
Our most common question by far. The answer is that it depends entirely on your circumstances. A couple purchasing their first property together on a tight budget might want just enough cover to pay off the mortgage if one of them were to die. Another couple, with a larger mortgage and two children, may want enough cover to pay off the mortgage, cover the costs involved in raising children and provide for their surviving spouse/partner.
Can I get a cheaper premium by applying directly with the insurer?
Strange as it may seem this is often the most expensive way to buy life insurance. The commission that would normally be paid to a broker (or sacrificed if you’re us) is kept in full by the insurance company.
Life insurance options
Latest posts from our blog
You only have to open a magazine, turn on the TV or log onto the internet these days, to be bombarded with self-improvement adverts telling you which areas of your life you need to ‘correct’ – usually with the help of a product somebody is trying to sell you.
When you get the opportunity to catch up with your partner after a long day, chances are the conversation naturally drifts towards the children: “How have the kids been today?”, “What did they get up to in school?”, “Are you ok to drop them off tomorrow?”…
We’ve all heard of (and, no doubt, used) ‘The Bank of Mum and Dad’, but it looks like this well-known institution may be franchising! ‘The Bank of Brother and Sister’, ‘The Bank of Grandma and Grandad’ and even ‘The Bank of Sons and Daughters’ have opened for business recently…