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Get a free quote in three easy steps

We make finding a life insurance quote easy and stress-free.

Step 1

Fill in the form

Tell us a bit about you, how much cover you want, and for how many years.

Step 2

Consider your options

A trusted, friendly advisor will reach out to walk you through your options.

Step 3

Take your time

Decide which option is right for you. We’ll never rush or push you.

“I was a bit nervous about taking out life insurance. I was worried the process would be complicated, that I’d get sucked into something I didn’t want, and I wanted to be sure I understood the payout process. Compare Life Quotes were extremely accommodating and informative. They answered all my questions and then left me to come to a decision on my own. I ended up taking out a family policy. I definitely recommend them.”

- James

Why Life Insurance Matters

Why should I take out life insurance?

Life insurance provides a safeguard to your family should you pass away. Let’s say you’re the sole earner for a family of four. A life insurance policy could provide your family with funds nearing your income on a monthly basis as they adjust to life without you. These monthly instalments can help reduce financial pressure during an already very stressful time.

Alternatively, policies can be used to provide a lump sum. These sums can help cover the remaining costs of a mortgage, cost of tuition, any remaining debts, or funeral costs. Speaking of funerals, the “cost of dying” went up by 5% in 2023, it now sits at £9,658—life insurance can help cover this cost as your family focus on mourning.

You could also choose to leave a legacy with life insurance, either by providing your family with a sum of money or by donating to your favourite charity.

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How much does life insurance cost?

Prices vary depending on your personal circumstances and the insurer, however, life insurance is often very affordable—the average monthly cost of life insurance as of 2024 was only £9.71.

Policy type: The type of policy you take out will have an impact. For example, if you want a bigger payout, the policy may be more expensive, or if you’re looking for the addition of terminal illness cover, that could also increase the price.

Unique circumstances: Your unique circumstances will play a role. Applicants over the age of 50, smokers, and extreme sport participators may find their quoted premiums to be higher than non-smoking 20 year old office workers.

Understanding Life Insurance Prices
Why Apply Through Us

Why use Compare Life Quotes?

  • A true match

    We don’t just throw quotes at you and see which one sticks. To make sure you don’t get decision fatigue, we take the time to understand your unique circumstances and match you to a trusted insurer.

  • Free, easy service

    We offer a fee-free service, which means you don’t need to pay us anything and you’re not obligated to purchase a policy. You’re free to get the quote, take the time you need to decide, and walk away if it’s not for you.

  • Peace of mind

    With our trusted expert partners, you can have some peace of mind knowing you’ve chosen the most suitable policy for you and you’re covered should something occur.

Get a free, no obligation quote

We put people at the centre of our work. Click the link to get your free quote.

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How do I know I’m choosing the right policy?

Will I get any guidance?

Yes, our expert partners will call you and answer any questions you may have. They’ll listen to your unique circumstances and try to find the most suitable solution for you and your family.

Can I change my mind?

Yes, you have 14 days from taking out a policy to cancel, no matter what your reason for cancellation.

How do I know the insurance company will pay out?

Payouts are never guaranteed, however, 96.9% all claims did pay out in 2021, with the average policy payout in 2022 coming in at £73,578. The main reason payouts don’t occur is because essential information was omitted or false at the time of applying, so be sure to provide your insurer with all relevant details.

Pricing

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd May 2024.

20 Year Old

non-smoker in good health

£4.18 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£4.35 per month AIG Logo

£175,000 level term Life Cover for 30 Years

£4.62 per month AIG Logo

£200,000 level term Life Cover for 30 Years

£4.88 per month AIG Logo

£225,000 level term Life Cover for 30 Years

£5.16 per month AIG Logo

£250,000 level term Life Cover for 30 Years

30 Year Old

non-smoker in good health

£6.98 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£7.93 per month AIG Logo

£175,000 level term Life Cover for 30 Years

£8.71 per month AIG Logo

£200,000 level term Life Cover for 30 Years

£9.48 per month AIG Logo

£225,000 level term Life Cover for 30 Years

£10.19 per month AIG Logo

£250,000 level term Life Cover for 30 Years

40 Year Old

non-smoker in good health

£10.31 per month Aviva Logo

£150,000 level term Life Cover for 30 Years

£11.56 per month Aviva Logo

£175,000 level term Life Cover for 30 Years

£12.84 per month Aviva Logo

£200,000 level term Life Cover for 30 Years

£14.12 per month Aviva Logo

£225,000 level term Life Cover for 30 Years

£15.40 per month Aviva Logo

£250,000 level term Life Cover for 30 Years

50 Year Old

non-smoker in good health

£23.55 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£25.95 per month Legal & General Logo

£175,000 level term Life Cover for 30 Years

£29.37 per month Legal & General Logo

£200,000 level term Life Cover for 30 Years

£32.79 per month Legal & General Logo

£225,000 level term Life Cover for 30 Years

£36.20 per month AIG Logo

£250,000 level term Life Cover for 30 Years

60 Year Old

non-smoker in good health

£43.40 per month Legal & General Logo

£150,000 level term Life Cover for 30 Years

£48.22 per month Legal & General Logo

£175,000 level term Life Cover for 30 Years

£54.82 per month Legal & General Logo

£200,000 level term Life Cover for 30 Years

£61.42 per month Legal & General Logo

£225,000 level term Life Cover for 30 Years

£68.02 per month Legal & General Logo

£250,000 level term Life Cover for 30 Years

70 Year Old

non-smoker in good health

£120.56 per month Aviva Logo

£150,000 level term Life Cover for 20 Years

£137.98 per month Aviva Logo

£175,000 level term Life Cover for 20 Years

£159.67 per month Aviva Logo

£200,000 level term Life Cover for 20 Years

£181.36 per month Aviva Logo

£225,000 level term Life Cover for 20 Years

£203.05 per month Aviva Logo

£250,000 level term Life Cover for 20 Years

Whole of Life

Whole of Life Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 2nd May 2024.

From £8 per month

Up to £5,437 sum assured Legal & General Logo

30 year old born in 1993

Up to £4,624 sum assured Aviva Logo

35 years old born in 1988

Up to £3,931 sum assured Aviva Logo

40 years old born in 1983

Up to £3,345 sum assured Aviva Logo

45 years old born in 1978

Up to £3,137 sum assured Aviva Logo

50 years old born in 1973

Up to £2,655 sum assured Aviva Logo

55 years old born in 1968

Up to £2,277 sum assured Aviva Logo

60 years old born in 1963

Critical Illness

Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 2nd May 2024.

From £10 per month

Up to £30,753 over 20 years Legal & General Logo

30 year old born in 1994

Up to £22,278 over 20 years Aviva Logo

35 years old born in 1989

Up to £18,353 over 15 years Aviva Logo

40 years old born in 1984

Up to £13,425 over 15 years Aviva Logo

45 years old born in 1979

Up to £10,171 over 10 years Aviva Logo

50 years old born in 1974

Up to £7,100 over 10 years Aviva Logo

55 years old born in 1969

Up to £4,805 over 10 years Aviva Logo

60 years old born in 1964