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Find the best rates on Life Insurance in 3 simple steps

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Why use us to find your Life Insurance cover

Life insurance doesn't have to be complicated! Get accurate quotes, compare policies from top-rated UK insurers, and save. Complete our 1-minute form for a no obligation quote.

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Frequently Asked Questions

What is life insurance?

Life insurance (also known as life cover and death cover) allows you to protect your family in the event of your death. If the worst were to happen, your family or dependants will be paid a lump sum or a series of small payments.

Life insurance gives you the peace of mind that your family will be looked after if anything happened to you.

Reasons why people buy life insurance

Life insurance is not for everyone, though if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance.

Life insurance is a safety net for your family. If you were to die life insurance could help your family in a number of ways:

• Pay off existing debts whether it is a Mortgage, Credit Cards or a Loan.
• Help to cover final expenses such as funeral costs and medical bills.
• Help to cover your children’s education.
• Protect your family’s income and allow them to maintain their lifestyle.

What type of insurance should I get?

• Level term life cover: This will pay your family a lump sum in the event of your death.

• Decreasing term life cover: This is a payment to pay the balance of your mortgage in the event of your death. It decreases with time as the balance of your mortgage decreases.

• Critical Illness cover: Critical illness cover will pay out the lump sum agreed if you have been diagnosed with a critical illness during the policy term. Critical illnesses are specified in the policy.

• Whole life cover: This will pay out a lump sum to your family when you die, whenever that is. It's more expensive than term life cover for the same size of payout.

• Joint life cover: This is life insurance cover for yourself and your partner in one policy. This cover will insure two people at the same time and pays out if one of you passes away.

• Over 50s life cover: Designed for people aged 50-80 and paying out a fixed lump sum when you die to your loved ones to cover things like funeral expenses, outstanding debts or even as a gift to the people you love.

Different life insurance companies pay out different amounts depending on your policy. So you’ll need to look for the best life insurance UK companies are offering.

How much life insurance do I 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.

Some important considerations include any outstanding debts (e.g. mortgage, credit cards, loans), any dependants (e.g. childcare costs, education), a partner who reply on your income to maintain lifestyle, final expenses (e.g. funeral expenses and medical bills) and – quite simply – how much you can afford in monthly life insurance premiums.

Now, the cost of life insurance is not substantial - it’s usually a small monthly fee that’s barely noticeable - 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.

When should I think about getting life insurance?

When it comes to timing, the younger you are when you buy life insurance, the better. This is because at a younger age, you'll qualify for lower premiums. However, for many of us, the decision to take out life insurance is triggered by a major life event - such as having a baby or moving house – it can be a good idea to buy life insurance sooner rather than later.

Regardless of your age, if you want to provide for your family financially if you die, you need to buy life insurance - especially true if you have loans, mortgages and financial dependents.

Can everything be done online?

The answer is no and there are a few reasons you need to speak to someone on the phone.

Firstly, the size of your life insurance pot can regularly be half a million quid or more and thus life insurance companies (and you) will want to make sure you have a complete record of the conversation and all the details regarding your policy. And secondly, experienced advisors will help you get the cheapest price for your circumstances - as insurance companies provide advisors (or brokers) with the lower rates because they are professionally trained to accurately assess risk and to help you choose a policy that adequately insures you. Furthermore, being independent from any one insurance provider means you’ll be able to quickly compare multiple UK’s leading quotes and select the plan that’s cheapest and best for your circumstances. The exact same life insurance policy can vary in price by up to 50% between different insurers. By comparing quotes, you can save.

Through this site you will receive a free, no obligation quotation.

Will my family have to pay tax on my life insurance?

The standard inheritance tax rate is 40% - though generally speaking, when the beneficiary of a life insurance policy receives the death benefit, this money is not counted as taxable income, and the beneficiary does not have to pay taxes on it. Furthermore, 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.

About Life Insurance Choices

Life Insurance Choices provides an easy way to compare the UK's leading life insurance quotes and to find the best value life insurance cover for your circumstances. The quotes provided are based on the information you submit to us.

Our service is free to use without any obligation to accept the quotes that you receive.

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5 stars

Quick to fill out the information required and I received the cheapest quote by far. I would strongly recommend this site to anyone needing life insurance.
Mrs Pauline O’Brien

5 stars

Loads of options from Life Insurance Choices. I spoke with an experienced advisor that was able to answer all my questions and made me really think about what I need to protect my family.
Keith Sharper

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Insurance details published on this site are for information purposes only and do not constitute financial advice nor financial promotions under the Financial Services and Markets Act 2000 or The (Financial Promotions) Order 2005. By Submitting the enquiry form you agree that: 1) The information you provide is true and accurate; 2) Life Insurance Choices (a trading style of Magnetise Choices Ltd) may send the details of this enquiry to an appropriate FCA-regulated financial agent for the purpose of providing life insurance quotes, and 3) the agent may contact you for further information as required. Premiums may vary depending on each individual’s circumstances. Magnetise Choices Ltd, Company Number 71329, Les Echelons Court, Les Echelons, St Peter Port, Guernsey, GY1 1AR. Magnetise Choices Ltd is an Appointed Representative of Movo Partnership Ltd (Firm FCA Reference Number: 823503). We use cookies to personalise this site and to enhance your browsing experience - Privacy / Cookie Policy.

We make every effort to ensure you receive quotes from the whole of the market, though sometimes we may introduce you to an FCA-regulated financial agent who works with a limited number of providers. We are happy to introduce you to an alternative agent upon request. Furthermore, we take care to make sure that the information and material appearing on this website is accurate and up-to-date. However, errors and omissions may occur and you should not take the accuracy of the information and material for granted or rely upon it as a statement or representation of fact. Some products are only available from selected providers and intermediaries. Life Insurance Choices is not an insurance company, but provides you with a free service that matches you to an FCA-regulated financial agent who will help you compare UK providers and provide you with FREE no-obligation quotes. Being independent means we work for you, not the insurer. We’re passionate about helping you search the market and get the best deal and by having an online service, there's no need to charge you for our service, so we don't! Find out more about our compensation notice and money back in your pocket promise.

* £5 per month based on a 34-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 2024.
£10 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 2024.
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 2024, prices will vary depending on individual circumstances: £4.20/£6.29 for a 30 year old born in 1994 (L&G) | £5.25/£8.82 for a 35 year old born in 1989 (L&G) | £7.54/£12.96 for a 40 year old born in 1984 (L&G) | £10.97/£19.86 for a 45 year old born in 1979 (L&G) | £16.67/£28.95 for a 50 year old born in 1974 (AIG) | £25.65/£46.25 for a 55 year old born in 1969 (AIG) | £45.17/£84.34 for a 60 year old born in 1964 (AIG) | £85.39/£164.91 for a 65 year old born in 1959 (AIG).

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