Compare life insurance policies from 20+ FCA-authorized UK providers. Side-by-side comparison tool, expert reviews, and unbiased information.
Important
This is a comparison website. We do not provide financial advice or recommend specific policies.
Side-by-side comparison of leading UK providers
From £15/month
From £12/month
From £18/month
From £14/month
Key factors to consider when comparing policies
Compare monthly and annual premium rates
Maximum death benefit available
Online vs phone application, medical exams
Support availability and quality ratings
Speed and ease of claims handling
Terminal illness cover, grief support, etc.
Expert reviews and customer ratings
From £15/month
From £12/month
From £18/month
From £14/month
Level term maintains the same death benefit throughout the policy period, while decreasing term reduces the benefit over time, typically to match a mortgage.
Some policies allow conversion to permanent life insurance without medical exams, providing flexibility as your needs change.
Renewable term policies can be extended without medical exams, though premiums may increase based on your new age.
Ensure you're comparing policies with the same coverage amount, term length, and additional benefits.
Look at the total premium cost over the policy term, not just monthly payments.
Review insurer ratings from agencies like AM Best, Moody's, or Standard & Poor's.
Common questions about comparing life insurance policies
The best provider depends on your specific needs, budget, and circumstances. Consider factors like premium cost, coverage options, financial strength ratings, customer service, and additional benefits. Our comparison tool helps you evaluate these factors side-by-side.
While cost is important, the cheapest policy isn't always the best choice. Consider the insurer's financial stability, claims-paying history, customer service quality, and policy features. A slightly higher premium might provide better value through superior service and benefits.
Most policies offer some flexibility, such as adjusting coverage amounts or converting term policies to permanent insurance. However, changes may require medical underwriting and could affect your premiums. Review your policy terms and speak with your insurer about available options.
Approval times vary by insurer and policy type. Simple policies with no medical exam can be approved in minutes online. Traditional policies requiring medical exams typically take 4-6 weeks. Some insurers offer accelerated underwriting that can reduce this to 1-2 weeks.
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