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Who is family life insurance for?
Family life insurance is for anyone who wants to protect their loved ones financially — especially mums, dads, and caregivers with dependents. Whether you're a new parent, single parent, part of a couple, or a stay-at-home parent, this type of cover helps ensure your family is supported if something happens to you.
How much does life insurance cost?
Prices vary depending on your personal circumstances and the insurer, however, life insurance is often very affordable—In 2025, the average monthly cost of life insurance in the UK is only £9.71 - Source: iaminsured.co.uk (2025)
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.
†Example shown: Based on a 30-year-old non-smoker, you could get £98,704 level term cover for 20 years from £5 per month. Premiums are subject to underwriting and individual circumstances. Not all partners use the same insurers or products. Services may be advised or non-advised.
Around 1 in 4 UK families lack life insurance, leaving loved ones unprotected when it matters most.
Source: West Wales Chronicle, 2024
One parent dies every 20 minutes in the UK , leaving behind dependent children.
Source: Child Bereavement UK, 2024
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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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Common Questions
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd February 2026.
†From £10 per month for up to £280,000 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 2nd February 2026.
†From £5 per month for up to £90,000 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 2nd February 2026.
Whole of Life
±£8 per month quoted rates are based on whole of 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 2nd February 2026.
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 on 2nd February 2026.
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