Life Insurance • Save Money Today
High cancer risks and record NHS delays are a driving factor for UK families to prioritise getting life cover
By Heather Blackmore | Last updated 03/02/2026
Advertorial
Long delays for cancer diagnostic scans. LIC sees a rise in life insurance quotes. Find out more
A staggering 50% of people in the UK, born after 1960, will be diagnosed with some form of cancer in their lifetime. Yet cancer referrals and cancer treatment have taken a huge hit since the start of Covid-19.
The target, set by the government, relating to the first part of a patient's journey states that, following an urgent GP referral for suspected cancer, at least 93% of patients should be seen by a specialist within two weeks.
Waiting times for a first consultant appointment following a GP urgent referral
Radiotherapy UK director Sarah Quinlan stated: "No region in the UK is currently meeting the government's own targets for waiting times for cancer treatment. This is catastrophic."
William Usher from Leeds is one of thousands using free, no-obligation search and quote service to find the best value deal. “COVID-19 has caused huge disruption and it prompted me to find a suitable life insurance policy so if anything happens to me, my family will be OK and can cover mortgage, bills and household essentials”.
Award Winning Life Insurance Cover For Families, Over 50's, Individuals.
Life Insurance From £5/Month For £100k Cover - Get Fast Access to Quotes
Want to learn more from an expert? Get 100% no-obligation search and quote.
Expenses that life insurance could help your family with:
- £193,867 - Average mortgage debt in the UK in 2021.
- £290,000 - Estimated total cost of raising a child from birth to 18 for a single-parent family in 2024 (including housing and childcare).
- £15,000 and £8,000 - Average annual childcare costs for full-time and part-time care, respectively.
- £17,076 - Average personal debt in the UK excluding mortgages (2025 est).
- £4,285 - Average cost of a basic funeral in the UK (2024), excluding optional send-off costs.
Why you should compare life insurance quotes
Life Insurance premiums can vary greatly depending on the provider and your individual circumstances. Each life insurance provider has their own standards and guidelines so you may get different quotes for the same policy.
By using a comparison website like Life Insurance Choices, you will be able to compare quotes from all top UK insurers, assuring to help you get the best policy that matches your needs.
It's important to look at several options before deciding on which policy to purchase.
Compare and potentially slash the cost of life insurance
Find out more
Will your family have to pay tax on your life insurance?
No, your family would not have to pay the standard inheritance tax rate of 40%. When you write a life insurance policy in trust, because the payout does not go to your legal estate, its value will not count towards the inheritance tax threshold and so the entire sum will go to the beneficiaries.
The impact Covid has had on Cancer patients
Following Adrian Rogers' surgery in Manchester being cancelled, a further 20 tumours grew and he was informed surgery was no longer an option. He passed away in February 2021, aged 46. Mrs Roger's plea to the new health secretary was "Don't let cancer patients be the forgotten people of COVID". With cancer continuing to kill around 450 every day it's highly concerning that almost half of cancers are diagnosed at a late stage in England, according to CRUK**
Click on your age group to search and compare:
How much life insurance do you need?
The aim is to have enough cash to cover the lack of income if you’re gone. A good rule of thumb is getting life insurance coverage that's 10 times your income, but it depends on your individual financial circumstances.
The cost of life insurance is typically not substantial - it’s usually a small monthly fee - but because most policies last so many years, those small amounts can build up over time. Premiums vary from insurer to insurer so it's important to shop around to save money
Here's how to do it:
Step 1:
Select your country on the map below to get started.
Step 2: Answer a few simple questions to get your FREE, no-obligation quote.
- Compare top insurers' quotes and save
- Free, no-obligation personalised quotes
- Advice from FCA regulated advisors
- Low-cost plans to suit all budgets
- UK Life Insurance from £5 per month*
TRY IT NOW
© Copyright Life Insurance Choices | All Rights Reserved
Life Insurance Choices is a trading name of Magnetise Choices Ltd. Magnetise Choices Ltd is an Appointed Representative of Richdale Brokers & Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority (FCA) (Firm Reference Number: 769876).
Life Insurance Choices is a free service that connects you with FCA-authorised brokers who can help you compare quotes from a wide range of life insurers. We don’t give any advice or arrange insurance, all regulated services are provided by the brokers we refer you to. Find out more about our compensation notice and money back in your pocket promise.
Insurance details published on this site are for information purposes only and do not constitute financial advice.
By submitting the enquiry form you agree that: 1) The information you provide is true and accurate; 2) Life Insurance Choices may at its sole discretion send the details of this enquiry to an appropriate authorised insurance broker to provide you with life insurance quotes, and 3) the insurance broker may contact you for further information as required. We aim to connect you with a whole-of-market broker. In limited circumstances, you may be referred to a broker who works with a smaller panel of providers, and some products may be exclusive to certain insurers or intermediaries.
Premiums may vary depending on each individual’s circumstances.
* £5 per month based on a 33-year-old non-smoker taking out £100,000 level term cover over 20 years, living in central London (L&G) – Prices correct as of January 2026.
£10.12 per month based on a 36-year-old non-smoker taking out £200,000 level term cover over 20 years, living in central London (L&G) – Prices correct as of January 2026.
The following monthly rates are for £100,000 and £200,000 covers (£100,000/£200,000) based on a non-smoker, level term cover over 20 years, living in central London – Prices correct as of January 2026, prices will vary depending on individual circumstances: £4.50/£6.51 for a 30 year old born in 1996 (L&G) | £5.41/£9.46 for a 35 year old born in 1991 (L&G) | £7.98/£13.38 for a 40 year old born in 1986 (L&G) | £11.60/£21.20 for a 45 year old born in 1981 (L&G) | £18.76/£32.30 for a 50 year old born in 1976 (L&G) | £29.81/£50.42 for a 55 year old born in 1971 (L&G) | £48.78/£98.05 for a 60 year old born in 1966 (L&G) | £82.25/£171.86 for a 64 year old born in 1962 (L&G).
Extra References: UK Mortgage Debt (2021), Child Expenses (0-18), Annual Childcare Costs, Personal debt, Basic Funeral Cost
We use cookies to personalise this site and improve your browsing experience. View our Privacy/Cookie Policy for more information.
Magnetise Choices Ltd, Company Number 71329, with its registered address at Les Echelons Court, St Peter Port, Guernsey, GY1 1AR.
This page is powered by 