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Financial legacies and life insurance payouts are generally free from income tax; however, they may be subject to inheritance tax unless the policy is written in trust.
What is life insurance?
Life insurance is a contract between the policyholder and insurer that requires you to pay monthly premiums in return for coverage in the event of death.
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Why should I consider life insurance?
Life insurance protects your family financially if you pass away. It can replace lost income with monthly payments or provide a lump sum to cover everyday expenses, mortgage costs, tuition fees, debts, or funeral expenses. It can also leave a financial legacy for loved ones or a chosen charity.
How much does life insurance cost?
In 2025, life insurance in the UK is often highly affordable, with an average monthly cost of £9.71. However, exact prices fluctuate based on your specific insurer and personal circumstances. – Source iaminsured.co.uk (2025)
The type of policy you choose affects the cost. Policies with higher payouts or added features, such as terminal illness cover, usually cost more.
What types of cover can I get?
Decreasing cover
Decreasing cover is a set-term policy where the payout reduces over time to cover shrinking debts like mortgages. If you stop making payments, the policy will end, freeing up your cash but leaving you unprotected.
Term life cover
Term life insurance provides cover for a specific period. If you stop paying, the policy will end. While this allows you to save money now, your family will not receive a payout if you pass away after the cover stops.
Increasing cover
With this type of life cover, the pay-out amount usually increases each year in order to help keep up with inflation. As a result, your monthly premiums will also increase. However, you have the option to decline an increase.
Whole of life
This life cover guarantees a payout upon death, whenever it occurs, provided premiums are maintained.
Critical illness cover
Critical illness cover can be added to your policy as an extra layer of protection. It provides financial support if you’re diagnosed with certain, serious conditions specified in your policy. Although the illnesses covered will depend on your life insurance provider.
Over 50s plan
This is a specialised type of ‘whole of life insurance’. It is designed for people aged 50 and over who may find it hard to obtain life insurance due to age or health. It typically has guaranteed acceptance.
Income protection
This is a product that you can take out with life insurance that pays you a regular income (often 50-70% of your salary)in the event of being unable to work due to illness or injury. It can be used to support your lifestyle and financial obligations until you return to work or retire.
Mortgage protection
This is a type of coverage that pays off the remaining mortgage balance if you die during the policy term. As long you pay your monthly premiums.
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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 partner.
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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.
Life insurance helps protect your family’s financial security in the face of life’s uncertainties.
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How do I choose the right life insurance policy?
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 5th February 2025.
Cover from £10 Per Month
From £10 per month for up to £300,000 is an example based on the following pricing illustrations. £10 per month Life Insurance 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 on 5th February 2025.
30 years old born in 1996
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Cover from £5 Per Month
†From £5 per month for up to £100,000 is an example based on the following pricing illustrations.£5 per month Life Insurance 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 on 5th February 2025.
30 years old born in 1996
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£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 20 Years
£175,000 level term Life Cover for 20 Years
£200,000 level term Life Cover for 20 Years
£225,000 level term Life Cover for 20 Years
£250,000 level term Life Cover for 20 Years
From £8 Per Month
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 5th February 2025.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
From £10 Per Month
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 5th February 2025.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
Testimonials
"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."
Lynn K
"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."
Alan S
"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."
Lou G
"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."
Paul M
"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."
Graham F
"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."
Brad J
"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."
Dave C
"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."
Hannah G
"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."
Mick D
"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."
Victoria S