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.
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Step 2 of 3: About you
Everything here is optional — it just sharpens your quotes.
No credit check. No obligation. Your details go to one FCA-regulated adviser only.
Add up the debts, income and family costs your family would need to cover — then send the figure straight to an adviser.
Based on the standard debts-income-children-funeral method UK advisers use. Adjust the figures to match your situation.
Balance left to clear
Loans, credit cards, car finance
Gross, before tax
Until children are independent
Childcare, university support
UK average is around £4,300
Deducted from the total
Including death in service
An estimate, not advice. Your adviser will sanity-check the figure with you.
Step 2 of 3 · About you
Takes 60 seconds
Step 2 of 3: About you
Everything here is optional — it just sharpens your quotes.
No credit check. No obligation. Your details go to one FCA-regulated adviser only.
Straight answers to the questions UK households ask most about life insurance — what it costs, what it covers and how claims work.
Not sure if income protection is worth it?
Weigh the monthly cost against your employer sick pay, savings and Statutory Sick Pay.
A common UK starting point is your outstanding mortgage plus around 10 times your annual income, then adjusted for childcare years, other debts and any death-in-service benefit from your employer. An adviser sizes the figure to the years your family would actually need replacing income for, rather than a round number.
Level term life insurance can start from about £6 a month for a healthy 30-year-old non-smoker taking £150,000 of cover over 25 years. Price is driven by age, smoker status, sum assured, term length and health, so the same cover at 50 typically costs three to four times more.
Level term keeps the payout the same for the whole term and suits family income protection or interest-only mortgages. Decreasing term reduces the payout roughly in line with a repayment mortgage balance and is cheaper, which is why it is the usual choice for mortgage protection.
Most UK applications are decided on a health and lifestyle questionnaire alone. A nurse screening or GP report is only occasionally requested — usually for larger sums assured, older applicants or specific declared conditions — and the insurer arranges and pays for it.
Almost always. Writing the policy in trust keeps the payout outside your estate for inheritance tax and gets the money to your family in weeks instead of waiting on probate. Insurers provide trust forms free of charge and the adviser completes them with you.
Two single policies cost slightly more but pay out twice, leave the survivor still insured, and can be adjusted independently after a separation. A joint policy pays once on first death and is the cheaper option — the adviser prices both so you can see the actual difference.
Most UK term policies include terminal illness benefit as standard, paying the full sum assured early if you are diagnosed with under 12 months to live. It is not the same as critical illness cover, which pays on diagnosis of defined conditions you can survive.