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🛡️ Trusted by 12,000+ UK families
💰 Policies from £5/month

Compare the UK's Leading Insurers. Get the Right Cover at the Right Price.

Compare life insurance, income protection and critical illness cover from every major UK insurer, so you get the right policy, not just the cheapest one.

  • Whole of market
  • Free & no obligation
  • Takes 60 seconds
  • Rated 4.9★ online
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Happy family protected by life insurance
As seen in
12,000+
Customers
£5/mo
Plans From
60s
Assessment
4.9★
Online Rating
📋 Get your quote

Find out what you'd pay in 60 seconds

Answer a few simple questions and compare quotes from every major UK insurer to find the right policy at the best price, no pressure, no obligation.

🛡️ What we compare

Three types of cover. Here's which one you actually need.

Most people don't know the difference, and that's completely normal. That's why we exist. Here's a quick overview.

💚

Life Insurance

If the worst happened, could your family keep up with the mortgage? Life insurance pays them a tax-free lump sum so they don't have to worry. From £5/month.

Compare life insurance →
💷

Income Protection

If you couldn't work for 6 months, could you still pay the bills? Income protection replaces up to 70% of your salary until you're back on your feet.

Compare income protection →
🏥

Critical Illness Cover

Cancer, heart attack, stroke, if you're diagnosed with a serious illness, the last thing you need is money stress. CIC pays out a tax-free lump sum so you can focus on getting better.

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✅ How it works

One quick form. Compare your quotes. No pressure.

Just a quick assessment, your selection, and a helping hand.

1

Tell us about yourself

Quick questions about your life and health. Done in 60 seconds.

2

You evaluate quotes

Compare benefits and cover from every major insurer.

3

You decide

Pick a policy yourself, or let one of our advisers help.

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⚠️ The reality

Most people don't think about this until it's too late

These aren't scare tactics, they're facts. And they're exactly why protecting your income matters.

52%

Of parents with young children have no life insurance

Over half of UK parents with dependent children have zero life cover. If the worst happened, their family would be left with no financial safety net at all.

70%

Of UK adults have less than £10,000 in savings

If you couldn't work for 6 months, how long would that last? And if you weren't here at all, is that really enough to leave behind for your family?

£118.75

Per week, that's all Statutory Sick Pay covers

That's less than £17 a day. Income protection replaces up to 70% of your actual salary, paid monthly until you're back on your feet.

Only 10%

Of UK adults have income protection

We insure our phones, our cars, even our pets, but only 1 in 10 of us protects the income that pays for all of it.

You're already thinking about it. That's the hardest part.

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⭐ Real reviews

Don't just take our word for it

Katie
Katie
Doncaster
★★★★★
“So easy and quick”

“Really straightforward process from start to finish. Got a great policy that covers my children too. Couldn't be happier.”

Paul
Paul
Croydon
★★★★★
“Peace of mind”

“Finally feel like my family's future is secure. The whole thing took minutes and the price was really reasonable.”

Joanna
Joanna
Tamworth
★★★★★
“10/10 service”

“I was lost looking online by myself but everything was explained perfectly. Genuinely brilliant, 10 out of 10.”

Dan
Dan
Bristol
★★★★★
“Wish I'd done it sooner”

“Been putting this off for years. Took about two minutes and now I've got proper cover in place. Dead simple.”

Sarah
Sarah
Leeds
★★★★★
“Genuinely helpful”

“No pressure at all, just clear information and a really good price. Exactly what I was looking for.”

Mark
Mark
Manchester
★★★★★
“Brilliant experience”

“Compared quotes in minutes and the whole process was hassle-free. Proper cover sorted without any of the faff.”

Emma
Emma
Edinburgh
★★★★★
“Quick and painless”

“Had life insurance sorted within a day. The quotes came back fast and everything was really easy to understand.”

Chris
Chris
Birmingham
★★★★★
“Best price I found”

“Checked a few places first but this gave me the best deal by far. Simple, quick and no messing about.”

Rachel
Rachel
Cardiff
★★★★★
“Highly recommend”

“Sorted income protection and life cover in one go. Really impressed with how smooth and straightforward it all was.”

❓ Common questions

Frequently asked questions

💚 Life Insurance

It depends on your situation, but a common rule of thumb is 10–15 times your annual salary. You should also factor in your mortgage balance, any debts, and how many years your children will need financial support. A quick quote will help you see what different levels of cover actually cost.
Life insurance starts from as little as £5 per month. The exact cost depends on your age, health, whether you smoke, and the level of cover you need. A healthy 30-year-old non-smoker could get £200,000 of cover for under £10/month.
Life insurance pays out a tax-free lump sum to your family if you pass away during the policy term. This money can be used for anything, paying off the mortgage, covering bills, replacing lost income, or funding your children's future.
It's not a legal requirement, but most mortgage lenders will strongly recommend it. Without life insurance, your family could struggle to keep up with mortgage repayments if something happened to you. It's one of the most important things to sort when buying a home.
If anyone depends on your income, yes. For the cost of a couple of coffees a month, you can make sure your family wouldn't face financial hardship on top of everything else. UK insurers pay out on 97–99% of claims, so it really does work when it's needed.

💷 Income Protection

Income protection is a monthly policy that replaces up to 70% of your salary if you can't work due to illness or injury. Unlike life insurance, it pays out while you're alive, giving you a regular income until you recover or your policy ends.
It varies based on your age, job, health, and the level of cover you choose. Most people pay between £15–£50 per month. The cost also depends on the “deferred period”, how long you wait before payments start. A longer wait usually means a lower premium.
No, standard income protection only covers you if you can't work due to illness or injury. If you're looking for redundancy cover, you'd need a separate short-term policy sometimes called “accident, sickness & unemployment” (ASU) insurance.
Yes, and it's arguably even more important if you're self-employed. You won't get sick pay from an employer, and Statutory Sick Pay is just £118.75 per week. Income protection makes sure you can still pay the bills if you're unable to work.
If you rely on your salary to pay your mortgage, rent, or bills, then yes. 1 in 4 people will be off work with a serious illness at some point. Without income protection, you'd fall back on savings or Statutory Sick Pay, which wouldn't cover most people's basic expenses.

🏥 Critical Illness Cover

Critical illness cover pays out a tax-free lump sum if you're diagnosed with a specified serious illness, such as cancer, heart attack, or stroke, while you're still alive. You can use the money however you need to, whether that's paying off your mortgage or covering day-to-day costs.
Most policies cover a core set of conditions including cancer, heart attack, stroke, multiple sclerosis, and organ transplants. Some providers cover 40+ conditions, while others cover fewer. The exact list varies by insurer, so it's worth comparing policies carefully.
Critical illness cover typically costs more than standard life insurance because it's more likely to pay out. Premiums depend on your age, health, and the amount of cover you choose. Many people add it to a life insurance policy for a combined premium that keeps costs down.
If a serious diagnosis would put you under financial pressure, then yes. A lump sum payout means you can focus on recovery rather than worrying about money. It's especially valuable if you have a mortgage, dependants, or limited savings.
Life insurance pays out when you die. Critical illness cover pays out if you're diagnosed with a serious illness while you're still alive. They protect against different things, which is why many people choose to have both for complete peace of mind.

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