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What is life insurance?

Life insurance is a way of protecting your family and loved ones financially if you die. It pays out a lump sum your beneficiaries can use in the event of your death.

Life insurance is a financial safety net for your family or other dependants when you die. It can be beneficial if you have dependants who rely on your income - for example to pay the mortgage or other bills. This could be a wife, husband, partner or children.

The money can help them pay off mortgages and cover other recurring expenses so there are no additional disruptions to their way of life.


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What type of life insurance do I need?

There are three different types of life insurance policies that work in different ways.

Level term life insurance: If you pass away during the policy term, your insurer will pay a lump sum agreed at the start of the policy.

Decreasing term life insurance: The amount of cover reduces in line with your debts or other liabilities, such as the balance on your mortgage. It's important to review this protection if you move home, or increase your mortgage.

Whole of life insurance: This insurance policy covers you for your entire life. The insurer invests your premiums until a claim is made. The insurer may increase the premium if the fund performs poorly due to market conditions. However, the pay out remains unchanged.

Remember...

There are also similar policies designed to pay out if you are seriously ill and lose earnings, but don't actually die.

Whether you’re looking to protect your mortgage or leave something behind for loved ones, you can find a life insurance quote for a policy to suit your situation.

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How much life insurance do I need?

You can calculate how much you would need each month by totting up all your monthly bills. Consider your regular family outgoings:

  • Mortgage or rent

  • Food

  • Living costs

  • Other expenses

The bigger the pay-out you might need, the higher the monthly premiums.The length of life insurance cover you need will depend on your age, health, and the reason for taking out the insurance policy. Older people and those in bad health can get a shorter length of life insurance cover.

You might decide you need a combination of policies, with one decreasing term policy to cover your mortgage and one level term policy to leave you family comfortably off if you pass away.

Take time calculating the cost of life insurance

How do I get the best life insurance quote?

To find the best life insurance you will have to tell the insurance company about your age, health, whether you smoke, your lifestyle and your occupation.

In some cases, you might need have a medical examination depending on the answers you provide when taking out the policy.

It's important that you give all the information requested when you fill in your life insurance form – otherwise you may be disqualified from claiming in the future.

Remember...

Avoid the temptation of trying to score a cheaper premium by not being truthful about your health.

When should I take out life insurance?

The younger you are, the cheaper your premiums are likely to be.

Everyone with dependants and debts to pay should consider taking out a life insurance policy to protect their family financially if they die.

If you have life insurance to cover a mortgage, find the best life insurance for that with a policy that lasts as long as the mortgage.

Life insurance quotes can start from just a few pence a day, paid every month. 

Learn more about buying a life insurance policy.

Case Study - Richard Jackson

Richard Jackson, 39, is a stay-at-home Dad with two sons, living in Paignton, Devon. He's been saving money by switching his bills with Uswitch for 14 years after buying his first property.

He has some advice for anyone looking for a life insurance policy:

"I check Uswitch multiple times a year to find the best deals and have switched my life insurance, as well as broadband and TV packages with Uswitch in the past. My tip is to set reminders on your phone for when your bills like insurance policies come out or are due for renewal. This means you can shop around for the best deal and don't get caught short with automatic renewals.

It’s such a quick and straight-forward process and it means I can make savings to spend on things like a family cruise or a lush holiday. Sadly, that’s not been possible the last year due to the pandemic, so our savings have instead been put into improving our house and landscaping the garden. I would estimate over the past 14 years I've saved at least £3,000, if not more which has been so helpful for myself and my family.”

Life insurance - FAQs

Comparing and Switching Life Insurance Policies

Finding the right insurance policy can allow you to relax in the knowledge that your family is protected. Compare, buy or switch life insurance policies within minutes.

Finding life insurance with no medical

Can you get life insurance with no medical? Read our guide to find out whether you fit the requirements, then get a quote for no medical life insurance.

Life insurance for women

Traditionally, men have been the more likely to get life insurance, but it is just as important for women, especially for those planning to start a family.

Over 50s life insurance

When you're over 50 life insurance can provide important financial security. But choosing the right policy could save you money and better protect your family

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