Looking for life insurance? Check out our best buy table below for examples of life insurance policies available today & click Get Quote to have an adviser search the market and find the best deal for you!

Aviva

Get Cover From

£5/month

Cover Up To

£5m

Types of Cover

Level, Decreasing

Aviva paid out 98.6% of life insurance claims in 2019.

LVE

Get Cover From

£5/month

Cover Up To

£1.5m

Types of Cover

Level, Decreasing

99% of claims were paid in 2019. Once they've made their final decision they aim to pay a claim within 3 days.

Zurich

Get Cover From

£5/month

Cover Up To

Unlimited

Types of Cover

Level, Decreasing

In 2019, Zurich paid out 99% of all death claims. Get up to £100 of vouchers if you take out a policy!

Legal and General

Get Cover From

£6/month

Cover Up To

£9m

Types of Cover

Level, Decreasing

Get a £100 Gift Card after you take out life cover! Their plan has been 5 Star rated by Defaqto.

Royal London

Get Cover From

£7/month

Cover Up To

£500k

Types of Cover

Level, Decreasing

Choose a £100 in cash or £100 gift card when you take out a policy.

Vitality

Get Cover From

£35/month

Cover Up To

£7.2m

Types of Cover

Level

Last year Zurich paid out 99.5% of claims.
If you're unsure on how to find the best life insurance cover then speak to one of our advisors

How to choose the best life insurance

The cheapest policy isn’t necessarily the best life insurance deal. The policy you should choose depends on your requirements.

There are a number of different ways you can go about choosing the best policy but a good place to start is by deciding how much cover you want; start by adding up your mortgage, any other debt, and then add money for important costs you’d like to have your loved ones covered for. This will help you work out how much cover you need.

The next thing to do is think about how long you will need that cover for. If your needs will decrease over time, if for example you are paying down your mortgage, then you can look to save money by choosing a policy with decreasing cover which is typically cheaper. Once you’ve figured this out, you can start to compare the finer details of quotes from various providers.

What are your life insurance options?

  • Level Cover: This is where the potential payout remains the same for the duration of the policy.
  • Decreasing Cover: Where the potential payout decreases throughout the life of the policy.
  • Increasing Cover: Where the potential payout increases throughout the duration of the policy.
  • Indexed Cover: This is where the potential payout is linked to an index, such as the Retail Price Index, to allow for inflation.
  • Whole of Life Insurance: Here you are covered for the whole of your life, until you die.
  • Term Life Insurance: You are covered for a fixed period of time, e.g. 20 years.

Life Insurance FAQs

The cost of your policy will depend on many factors. The cover amount, your age, your medical history, the length of policy, your smoking and drinking habits, and many other things will be factored in.

No policy is guaranteed to pay out when you die regardless of cause, but it is guaranteed to pay out when your cause of death is covered, if the information you provided to get the policy is truthful, and if you die within the term.

Yes, you can have as many policies as you like.

Yes, although you may find it harder to get cover and some may be excluded from your cover.

Yes, joint policies are available from many UK providers.

Generally, it is a good thing for any adult with financial responsibilities or dependents. The younger and healthier you are the better as your cover will be cheaper.

In the UK, most people can get cover as long as they are between the ages of 18 and 70.

About our life insurance comparison

We include an example of life insurance companies who you can get a quote from via a Financial Conduct Authority (FCA) regulated broker who we may introduce you to if you request a quote. We keep the information on this page up to date, but you will get a tailored quote from the broker we introduce you to.

If you choose to take out a policy, we may be paid a commission by the broker.