Life Insurance

Lower premiums than comparison sites, supermarkets, banks and building societies

No cuddly toys or talking robots, just the cheapest life insurance premiums

What is life insurance?

The most straight forward 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 use us for your life insurance?

Income Protection feature Top quality cover from insurers you know, only much cheaper!

Income Protection feature Quick and straightforward online application. Get cover in as little as 15 minutes.

Income Protection feature Recommended by Moneysavingexpert, This is Money, The Express and Candid Money.

Income Protection feature A one-off fee of just £25 when you apply, refundable in full if you don’t take the  policy.

Income Protection feature Any of our policies can be placed in trust at no extra cost.

Income Protection feature No hard sell, no cold calls and no spam e-mail. Not now, not ever.

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.

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.

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.

Why buy your life insurance through us?

Same cover, same insurers, lower premiums - check out these comparisons

 MoneySupermarketCompare the MarketGo CompareConfused.comThe Post Office
30 year old non-smoker£7.64£9.58£9.60£9.94£9.72£16.21
30 year old smoker£13.38£17.66£17.78£17.42£16.76£30.69
Joint 2x 45 year old non-smokers£42.40£53.50£51.48£55.46£53.16N/A

Over 25 years you could save thousands on your life insurance

Monthly premiums for a £250,000 level term insurance over 25 years. Assumes person is in good health. Prices correct at 12th May 2017.

Yes to cheaper life insurance. No to cuddly toys.

Life Insurance Options

Level Term Insurance

The most popular type of life insurance. Choose the amount of cover and the number of years you want the policy for. Your cover amount does not reduce.

Mortgage Life Insurance

This type of life insurance is designed to pay off your mortgage if you die. Your cover reduces roughly in line with your re-payment mortgage.

Family Income Benefit

Provides regular income if you die instead of a lump sum. When you get a quote choose the amount of annual cover you need rather than a lump sum.

Critical Illness Cover

An optional extra available on all life insurance policies. Provides a lump sum payment on the diagnosis of certain serious illnesses.

Life Insurance Trusts

Writing your policy in trust can help avoid inheritance tax and get a claim paid faster. Often considered a complex subject, we’ll explain how it works in clear and simple terms.

FAQs

All the answers to our most common questions. If you can’t find the answer here please get in touch. We might even add your question to our list.