Life Insurance Quotes UK | Compare Policies Free

Compare the UK’s top life insurance providers in minutes — free.

No hidden fees. No commitment. Just honest, transparent comparison to help you find the right cover.

Why choose Insured Life

Life can be unpredictable — and when it matters most, the last thing your loved ones should worry about is money. A life insurance policy from Insured Life offers a simple, reliable way to help protect your family’s future. If you pass away while your policy is active, the payout can help cover everyday living costs, mortgage or loan repayments, household bills, and funeral expenses.

Whether you want to help safeguard your family’s lifestyle, secure your mortgage, or leave an inheritance – life insurance isn’t just about financial protection. It’s about peace of mind.

Flexible Plans

Flexible coverage, and plans that suit your needs. With access to compare the market we can provide cover from as little as £5 per month.

FCA Regulated

Fully licenced and regulated by the Financial Conduct Authority.

Quick and Simple

Quick and simple application process. Simply request a quote and our team will compare the market for the best deals.

Trusted

We have provided life insurance for 100's of families across the UK, with excellent reviews on Google and TrustPilot.

What Life Insurance do I need?

Level Term Life Insurance

Best For
Families or individuals needing fixed cover for a set time (e.g. until children are grown, mortgage is repaid)

What It Does
Pays a fixed lump sum if you die within the term. Premiums remain stable throughout.

Decreasing Term Life Insurance

Best For
Homeowners with a repayment mortgage

What It Does
Cover decreases over time, aligning with a falling mortgage debt. Helps ensure the mortgage is covered if you die before it’s repaid.

Whole of Life / Lifetime Cover

Best For
People wanting guaranteed payout regardless of when they die

What It Does
Lifelong cover that pays out whenever you pass away (subject to policy terms) — ideal for inheritance planning or funeral costs.

Over-50s Life Insurance

Best For
Older applicants — perhaps retired or nearing retirement

What It Does
Easier acceptance criteria (sometimes no medical questions), typically smaller cover sums, helpful for funeral costs or modest inheritance.

How to get Life Insurance

Fill in our form

Just a few simple questions that should take no more 1 minute to complete.

We'll call you

One of our team will call you to discuss your cover needs in more detail.

Choose your cover

We will share with you the best cover for your needs from the market. Once you confirm we will take care of the rest. Simple.

Who needs Life Insurance Cover?

Life insurance is suitable for anyone who has people or financial commitments depending on them. It’s especially valuable for:

Parents

Whether you’re a single parent or part of a couple, life insurance ensures your children’s future is financially supported.

Homeowners

If you have a repayment mortgage, life insurance can help clear the remaining balance so your family doesn’t risk losing their home.

Couples & Partners

Even without children, many couples rely on shared income. Cover helps maintain living standards should one partner pass away.

Self Employed

Without employer benefits, life insurance can serve as critical financial protection for your family.

Over 50s

Some choose cover to leave a small inheritance or contribute toward funeral costs.

People planning ahead

Anyone wanting to bring financial security, clarity and peace of mind to their loved ones can benefit.

Trusted Life Insurance Advisor

How much does Life Insurance cost?

The cost of life insurance varies from person to person. Premiums are calculated based on your level of risk and the size of the payout you want. Here are the main factors that influence price:

The younger you are when you take out a policy, the cheaper it tends to be. Rates rise gradually with age.

Insurers may ask about pre-existing conditions, medications or past diagnoses. Good health usually means lower premiums.

Smokers often pay significantly more due to higher long-term health risks.

A £300,000 policy will cost more than a £100,000 policy — choose an amount that realistically protects your family.

Longer terms are more expensive. A 30-year policy generally costs more than a 10-year policy.

High-risk jobs or hobbies can affect price.

Life Insurance FAQs

Do I need to be in perfect health to get cover?

Not necessarily. Premiums vary depending on health, lifestyle, and other risk factors. Even if you have pre-existing conditions, we may still find suitable cover — often at competitive rates.

Can I adjust my cover if my circumstances change?

Yes. Whether you’ve bought a home, had a child or simply want to increase or reduce cover — policies can be tailored, or new ones arranged as needed.

Can I add extra cover? i.e. Critical Illness Cover

Yes — many insurers offer optional add-ons such as critical illness cover, which can pay out if you become seriously ill during the policy term. This can help replace lost income or meet unexpected costs.

When will the payout be made?

If the policyholder passes away or meets the terms of the policy (e.g. terminal illness, in some plans critical illness), the insured payout will be paid to your nominated beneficiaries or estate — helping them maintain financial stability when it matters most.

Should I choose a joint or single policy

Joint cover is often cheaper but only pays out once. Two single policies provide more complete protection. Your adviser will help you weigh both options.

Do I really need life insurance if I'm young and healthy?

Yes — younger applicants typically get the cheapest premiums. Locking in a low rate early can save thousands over the life of the policy.

Why Use a Broker Like Insured Life?

Choosing a broker means choosing clarity, savings and personalised guidance. Instead of navigating dozens of insurers yourself, Insured Life compares them for you — instantly showing you the most competitive deals from top UK providers.

We’re independent, which means our advice is unbiased and always focused on your best interests. Whether you need mortgage protection, family cover or whole-of-life security, our experts help you understand your options without jargon or pressure.

Because we compare multiple providers, many customers save significantly compared to going directly to an insurer. Plus, with an adviser ensuring your application is accurate, you reduce the risk of delays or issues during claims.

The best part? Our service is completely free, and there’s no obligation to take out a policy. You get tailored quotes, expert support and peace of mind — all with zero cost.

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