Looking for life insurance? Choosing the right policy to protect your family is tough, so it makes sense to use a broker. Their advice is free, they help you to get the best deal, and cut through the jargon to get you a policy that gives you the exact protection you want. But there are brokers and there are brokers! We’ve partnered with LifeSearch, who’ve helped protect more than 1m UK families. It’ll take you just 60 seconds to get your free, no obligation quote today.

✅ Get protected today using our fee-free specialist service

✅ Cover from £5 a month*

✅ No obligation quotation tailored to your requirements

✅ Compare prices from the UK’s top insurers and choose the policy best for you

✅ Over 1m people protected since 1998


*£82,000 of life cover for a 45 year old non-smoker over 25 years. Your quote will be provided by an FCA-authorised life insurance specialist.

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 to expect from an adviser

The perfect life insurance broker will:

  • Offer a free service
  • Be able to offer you a policy from every single life insurance provider in the UK
  • Interpret your needs and understand which policy fits your requirements
  • Have a proven track record
  • Be able to support you in the event you or your loved ones have to make a claim
  • Provide a service that is professional and not pushy

While the perfect broker may not exist (there aren’t any who will actually be comparing policies from every single UK insurer), we’ve partnered with LifeSearch as they’re constantly striving to tick every one of these boxes.

About LifeSearch

Since 1998, Life Search’s guidance has helped to protect over 1 million people. Their advice is free – so you just pay for your chosen policy. They provide exclusive personal support & trust services and if you need it, will fight your corner to get the claim you deserve. They have an incredible Trust Pilot rating of 4.9 from 15,000 ratings!

They have a simple three step process that helps you get the right policy:

  1. They get to you know by giving you a call to understand your needs
  2. They use their in-house technology to search the market and make a recommendation to you
  3. They answer any questions and help you choose the policy that you want.

Their service doesn’t end when the policy is taken out. If you ever need to make a claim, make an amendment to your policy, or even just ask a question, they are at the end of the phone and happy to help.

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.