|MoneySupermarket||Compare the Market||Go Compare||Confused.com||The Post Office|
|30 year old non-smoker||£6.66||£9.52||£8.42||£8.42||£8.63||£16.51|
|30 year old smoker||£11.52||£17.16||£14.73||£14.17||£14.52||£31.27|
|Joint 2x 45 year old non-smokers||£38.21||£55.19||£51.79||£51.11||£52.09||N/A|
Insurers you know, only much cheaper!
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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 21st September 2018.
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.
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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
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