Life insurance

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  • Looking for life insurance? Think quality and commitment

    Life insurance clearly isn't a product to take lightly - it needs to be understood and committed to, and we aim to help you find the right insurers who can offer policies you can rely on. Look for value rather than cheapness - our commission sacrifice scheme helps us offer you quality products at the right price
    Matt Sanders, Gocompare.com
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How can we help you with life insurance today?

Buying life insurance can seem a daunting proposition, but our partners LifeSearch can give you free, impartial, expert advice, while theidol.com help make comparing and purchasing the right policy online a straightforward task.[1]

You may want to speak to an adviser as your first step, and you can either call 0844 409 9713¥ or - to save your phone bill - request a call back by filling in a simple form online with your contact details and the time you'd prefer to chat.

If you're ready to get a life insurance quote, we offer options for all ages from 18-80, plus choices for over 50s lifelong protection.

Click through to our simple-to-use life insurance form and you'll be asked how long you'd like the term of the policy to run for and how much cover you'd like - there's a life insurance calculator available to help you decide.

You'll be asked whether you want critical illness cover included and, if so, whether this is to be integrated with the life insurance or independent of it.

There'll be help text to guide you through if you're struggling with the definitions, or you can read more in our articles where you'll also find the answers to frequently asked questions.

Did you know...?

  • 1.5 million households may not have enough cover to pay off their mortgage if either partner died[2]
  • 18% of UK citizens wrongly believe that if they die their credit card debts die with them[2]
  • Some insurers will review and perhaps lower your life insurance premium if you stop smoking[2]

You can also choose level term life insurance - where the cover amount is fixed for the policy duration - or decreasing term, where the cover amount decreases over time with a repayment mortgage.

Decide whether cover is just for you (a 'single life' policy) or for you and another person (a 'joint life' policy).

Add your basic and personal and contact details, and let us know whether you'd like to be contacted for free advice on your life insurance.

The final question asks whether you've smoked tobacco or used nicotine replacement products in the last 12 months, a question that needs to be answered accurately as it plays a key part in finding you the right policy.

You'll then see our comparison table showing the options that include the company name, premium cost, the amount you may save through our commission sacrifice scheme, if the rate is guaranteed or reviewable and the cover amount.

When you see a product you like the look of, click the button for more detailed information and for the chance to go ahead with a purchase.

Did you know...?

  • Over 50s lifelong protection is NOT a savings or investment plan

Over 50s lifelong protection

If you've chosen to compare over 50s lifelong protection, note that it's a very specific sort of whole of life insurance and needs special consideration.

There's guaranteed acceptance for those aged 50-80, but it's not a savings or investment plan and - depending on how long you live - total premiums paid may be greater than the cash sum payable on death.

Our easy-to-use forms will ask how much you'd like to pay a month - this can be anything between £10 and £50. The more you pay, the higher the pay-out should be at your death.

Premiums are typically paid until the age of 90 (some insurers may have a shorter payment period). If you live beyond that your policy and cover will still be active, you just won't have to pay any more premiums.

Our forms will ask for basic personal and contact details and whether you've smoked tobacco or used nicotine replacement products in the last 12 months.

You'll then see our comparison table showing the options that include the company name, cover amount (the lump sum payable on death), monthly premium, maximum payment term and the total premium payable if the policy goes full term.

You'll also see the 'initial period' - this is typically for 12 or 24 months after you take out the policy and means that, if you die in this period, the pay-out will only return the premiums you've already paid in, not the full cover amount.

When you see a product you like the look of, click the button for more detailed information and for the chance to go ahead with a purchase.