How much cover do I need?

A common starting point is outstanding mortgage plus 10x income, adjusted for childcare years and any death-in-service benefit you already have.

Does a medical exam get required?

Most applications are decided on a health questionnaire alone. A nurse screening is only occasionally requested for higher sums assured.

Should the policy be in trust?

Almost always. A trust keeps the payout outside your estate for inheritance tax and gets money to your family in weeks rather than months. Setting it up is free.

All cover types

Life Insurance

A tax-efficient lump sum for the people you leave behind.

Life cover pays out if you die during the policy term — clearing the mortgage, replacing income, or simply giving your family breathing room.

From £6 a monthTypical family cover: 10x annual income

Level, decreasing or increasing cover
Joint or two single policies compared side by side
Written in trust so payouts avoid inheritance tax delays
Terminal illness benefit included as standard by most insurers
Free children's cover with several UK insurers

Step 2 of 3

Takes 60 seconds

A few basics

Everything here is optional — it just sharpens your quotes.

Date of birth

Postcode

Have you smoked or vaped in the last 12 months?

Rough monthly budget

Employment

Do you already have cover in place?

No credit check. No obligation. Your details go to one FCA-regulated adviser only.

Compared acrossLegal & GeneralAvivaRoyal LondonZurichLV=Vitality

Life Insurance questions, answered plainly

4.9/5 from 2,800+ households

Life Insurance

A few basics

Life Insurance questions, answered plainly

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