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🛡️ Life Insurance

Find the Right Life Insurance at the Right Price

UK insurers paid out £5.32 billion in individual life insurance claims in 2024, with a 97.9% acceptance rate. Make sure your family is covered.

Whole of market comparisons
Free & no obligation advice
Takes 60 seconds to compare
Rated 4.9★ online reviews

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Happy family protected by life insurance

From £5/mo

Policies start from

12,000+

Families protected

97.9%

Claims acceptance rate

4.9★

Average adviser rating

📋 Get your quote

Find out what you'd pay in 60 seconds

Answer a few simple questions and compare life insurance quotes from every major UK insurer, no pressure, no obligation.

Why Compare Life Insurance with Lifecoverfor.com?

Life insurance doesn't need to be complicated. We compare policies from every major UK insurer so you can find the right cover at the best price, without the jargon, the pressure, or the price tag.

Whether you need to protect your mortgage, provide for your children, or simply give your family peace of mind, we'll help you find the right option.

Whole-of-Market

Compare policies from Aviva, Vitality, Zurich, Royal London, L&G and more.

From £5/month

Affordable cover that fits your budget. No hidden fees, no catches.

FCA-Regulated

Every adviser is independently authorised by the Financial Conduct Authority.

97.9% Claims Paid

UK insurers pay out on 97.9% of life insurance claims. It works when it matters.

Types of Cover

Types of Life Insurance

There's no one-size-fits-all. The right policy depends on your circumstances, your budget, and what you're trying to protect.

Level Term Life Insurance

Fixed cover amount throughout your policy. Guaranteed lump sum.

Decreasing Term Life Insurance

Cover reduces with your mortgage. Cheaper than level term.

Whole of Life Insurance

Lifetime cover, guaranteed to pay out. For IHT planning or funeral costs.

Joint Life Insurance

One policy, two people. Pays on first death. Cheaper than two policies.

Over 50s Life Insurance

No medical questions. Fixed premiums and guaranteed payout.

Life Insurance for Mortgages

Pays off your mortgage if you die. Keeps your family in their home.

Expert Guides

Life Insurance Guides

Everything you need to know about life insurance, explained in plain English.

What Is Life Insurance?

A complete beginner's guide

How Much Cover Do I Need?

Calculate the right amount

How Much Does It Cost?

UK pricing breakdown

Term vs Whole of Life

Which type is right for you?

Life Insurance for Mortgages

Protect your home

Over 50s Life Insurance

Guaranteed acceptance options

Joint Life Insurance

Cover for couples

Pre-Existing Conditions

Your options explained

Life Insurance for Parents

Protecting your children's future

Payouts & Claims

How the claims process works

Real Reviews

What Our Customers Say

James W.

Manchester • Life Insurance

★★★★★

“Easier than I expected”

I'd been putting off getting life insurance for years. Filled in the form, got a call the same day, and had the right policy sorted within a week. Wish I'd done it sooner.

Sarah P.

Bristol • Life Insurance

★★★★★

“Saved us £18 a month”

We were overpaying with our bank's policy. The adviser found us better cover for less money. The whole process took about 20 minutes, can't fault the service.

David M.

Leeds • Life Insurance

★★★★★

“Finally understand my options”

Read through the guides first which really helped. Then the adviser explained everything clearly, no jargon, no pressure. Went with level term and feel properly covered now.

Rachel D.

Edinburgh • Life Insurance

★★★★★

“Covered our mortgage and more”

My husband and I needed cover for our £280,000 mortgage plus some extra for the kids. The adviser set up two separate policies, £22 a month total. Done in under 30 minutes and written in trust at no extra cost.

Michael T.

Norwich • Life Insurance

★★★★★

“Brilliant for self-employed people”

As a freelancer I have no death-in-service benefit, so this was essential. Got £350,000 of level term cover for £16 a month. The adviser even suggested adding critical illness cover which I hadn't thought of.

Laura H.

Cardiff • Life Insurance

★★★★★

“Put my mind at rest completely”

After my friend was diagnosed with a serious illness, I realised I had nothing in place for my two children. Applied on a Monday, spoke to an adviser on Tuesday, and was fully covered by Friday. The whole thing cost £11 a month.

Simple Process

How It Works

Tell us about yourself

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

You evaluate quotes

Compare benefits and cover from every major insurer.

You decide

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

Find the Right Life Insurance for You

Everyone's circumstances are different. Find cover tailored to your situation.

Got Questions?

Frequently Asked Questions

Life insurance pays a tax-free lump sum to your loved ones if you die during the policy term. You pay a monthly premium and choose how much cover you need. If you die while the policy is active, your beneficiaries receive the payout, helping cover mortgages, bills, and living costs.

A common rule of thumb is 10 times your annual salary, but it depends on your circumstances. Consider your mortgage balance, outstanding debts, number of dependants, and how many years of income your family would need to replace. Our guides and advisers can help you calculate the right figure.

Term life insurance covers you for a set period (e.g. 25 years) and only pays out if you die during that term. Whole of life insurance covers you for your entire lifetime and is guaranteed to pay out. Term is cheaper; whole of life gives lifelong certainty.

Life insurance starts from around £5 per month for a healthy 30-year-old. The cost depends on your age, health, lifestyle, amount of cover, and policy length. Smokers and those with pre-existing conditions will typically pay more. Comparing the whole market helps you find the best price.

Yes, most people with pre-existing conditions can still get life insurance. Some insurers specialise in higher-risk applicants. You may pay a higher premium or face specific exclusions, but a whole-of-market comparison ensures you find the best option available to you.

Life insurance payouts are generally tax-free. However, if the payout pushes your estate above the inheritance tax threshold (currently £325,000), it could be subject to 40% tax. Writing your policy in trust avoids this by keeping the payout outside your estate.

Decreasing term life insurance is a policy where the payout reduces over time, roughly in line with a repayment mortgage. It's usually cheaper than level term because the insurer pays out less as the years go on. It's ideal if your main goal is to cover a mortgage.

Yes, and it's usually recommended. Writing a policy in trust means the payout goes directly to your chosen beneficiaries without going through probate or forming part of your estate. It's free to set up and can save your family thousands in inheritance tax.

It's not legally required, but most mortgage lenders strongly recommend it. Without life insurance, your family could be left with a mortgage they can't afford if you die. Decreasing term life insurance is the most common and affordable way to protect a repayment mortgage.

Most insurers offer a grace period (usually 30 days) to catch up on missed payments. If you don't pay within that window, your policy may lapse and your cover will end. If you're struggling to pay, contact your insurer, they may be able to adjust your cover rather than cancel it.

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12,000+ families protected • Rated 4.9★ online • Policies from £5/month