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Compare life insurance policies online and get cover from just £5 per month

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Getting started with our life insurance comparison tool

How do life insurance policies work?

Different types of life insurance policies work in different ways. Whether you’re looking to protect your mortgage or leave something behind for loved ones, there’s a life insurance policy to suit your situation:

  • Level term life insurance – if you pass away during the policy term, your insurer will pay the policy benefit, a lump sum agreed at the start of the policy
  • Mortgage protection insurance – also known as decreasing term insurance. If you pass away, your insurer will pay the calculated amount of cover at that time – the amount of cover reduces in line with your repayment mortgage
  • Critical illness insurance – if you are diagnosed with a critical illness pre-defined by your insurer (such as cancer, heart attack, stroke or loss of limb), your insurer will pay out the amount you’re covered for

How to compare life insurance

Before you compare life insurance quotes, consider your options:

  • What type of policy you want – level or decreasing (mortgage protection)
  • How much cover you need – consider your debts as well as any dependents
  • How long you need it for – choose cover from 10 to 50 years
  • Whether you want to add extras – critical illness cover is included with some policies
  • Who to include – you may want to take out a joint life insurance policy

It takes just a few minutes to get an initial life insurance quote, with cover available from as little as £5 per month. For more information and tips on finding the right cover, read our life insurance guides below:

Life insurance guides

How to choose a cover level

Taking out life insurance is essential if you want to make sure your family’s finances are protected should you pass away.

How much cover you need will depend on your circumstances and the amount you want to leave behind. You may want to take out enough to pay any debts, such as your mortgage, and can choose a decreasing term to take into account any repayments you make during the length of the policy.

But you may also decide to leave a lump sum behind to help your loved ones when you’re gone. Consider any dependents and the day-to-day costs they may need to cover. Critical illness cover can also be a useful add-on if you want a financial safety net in case you fall seriously ill.

It takes just a few minutes to compare life insurance quotes. Get started by clicking ‘get a quote now’ below.

Compare life insurance quotes