LIFE INSURANCE Download to Excel

Please see a range of life insurance providers in the table below. Whether we like it or not, it is important to think about what would happen to the financial security of our spouses, partners and other loved ones if we die.

A life insurance policy can provide peace of mind, covering all manner of areas such as an interest-only mortgage, financial security for your children or cover for a set amount of years until they reach the age of independence.

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All Life Insurance Life Insurance Providers Life Insurance Brokers

Using the table, take your time and compare essential features like what policies are offered, what level of cover is provided and any other important information. For an extra angle, you could take a look the review for each product.

Once you have found a provider who suits your needs, just click on the 'Apply' button to be guided through the next steps.

Life Insurance Information

PROVIDER	TYPE	PERSON INFO	POLICY	COST	EXCESS	COVER	METHODS	SUITABLE FOR	APPLY
Protected.co.uk Life	Life Insurance Broker	Smoker and Critical Illness Cover available	Dependent on Provider	From £5.00	Dependent on Policy	Type Cover Type Decreasing Term Life Insurance/Level Term Life Insurance Level Cover Level Standard Detail Cover Detail Decreasing Term Life Insurance Pays a lump sum to cover your mortgage balance if you die or are diagnosed as terminally ill. Level Term Life Insurance Pays a lump sum to your family and loved ones if you die or are diagnosed as terminally ill.	Online	Compare life insurance policies
Protected.co.uk Life	Protected.co.uk Life work with some of the UK’s top life insurers and allows you to search over 300 life insurance plans from 13 insurers online. Insurer’s include; Aviva, Bupa, Friends Provident and Legal and General. All you need to do is complete their short online form, which should take no longer than two minutes, to provide them with some necessary information. MORE INFORMATION >>							Restrictions Restrictions The level of cover you require depends on your individual circumstances. It may, for example, depend on whether you have a patrner or any children or if you have any unprotected loans. Services Services 1. You can buy your policy online straight away, or if you have any questions about it or the options it comes with, you can talk to one of the advisors on their panel. Advantages Advantages 1. The option to add Critical Illness over. 2. Search over 300 life insurance plans from 13 insurers online. 3. The short online form will take no more than 2 minutes to fill in 4. Find cover from £5 Disadvantages Disadvantages 1. The monthly premium and policy details provided above are an indication only and are subject to underwriting. 2. You have to apply to get details on individual policies.
Click Compare	Life Insurance Broker	Smoker and Critical Illness Cover available	Dependent on Provider	From £2.50	Dependent on Provider	Type Cover Type Dependent on Cover Level Cover Level Dependent on Cover Detail Cover Detail 1. Amount of Cover Critical illness 2. To cover mortgage 3. Guaranteed Fixed Repayments 4. Smoker	Online	No obligation life insurance quotes
Click Compare	Click Compare offer a fast, no obligation life insurance policy quotation and find the best online offer to suit you. Click Compare is an online directory of UK financial products and offer a comparison service for a wide range of financial products. MORE INFORMATION >>							Restrictions Restrictions Dependent on Provider Services Services 1. By requesting a comparative quote you have no obligation to take insurance and there is no charge for this service. Advantages Advantages 1. Compares the market to find the cheapest policies available and the one that suits you. 2. Policies from £2.50 per month. 3. Fast no obligation quotes. 4. 40% on Risk Immediately. Disadvantages Disadvantages 1. ClickCompare does not offer all the products advertised on their site or hold contact details for the advertisers listed. 2. If you wish to contact an advertiser directly, you will need to refer to the advertiser's own website.
Virgin Life Insurance	Life Insurance Provider	Between ages of 18-64 years old	Virgin Life Insurance	Dependent on Cover	Not stated	Type Cover Type Level life, Decreasing Life, Joint life Level Cover Level Standard Detail Cover Detail Level Life: Your family will receive a cash sum if you die during the cover period. With level cover the amount that would be paid out stays the same throughout the cover period. The money can be enough to cover your family's expenses such as mortgage, childcare fees and everyday living costs. If you're diagnosed with a terminal illness the money could be paid early. Your monthly payments are guaranteed not to increase unless you change your cover. For an extra amount, you can arrange to have your payments waived if you're unable to work for more than 6 months because of illness or injury. This means that your cover will continue and you won't have to pay the premiums until you're fit enough to return to work (subject to certain criteria and only available if you arrange cover over the phone). Special event option - you can take out extra cover when you get married, register a civil partnership, have a child or adopt a child, without giving any extra information about your health, job or lifestyle.	Online, telephone	UK residents aged 18-64
Virgin Life Insurance	Virgin has teamed up with Friends Provident to provide you with life insurance starting from just 17p a day. Cover is flexible so as your life changes it's easy to increase your cover to meet your needs. In the event of a claim, the best possible support will be on hand, including a named claims manager and stress-free claims process. MORE INFORMATION >>							Restrictions Restrictions Not avaialble over age 64 Services Services Special extra cover if you get married Advantages Advantages Choose from Level life cover, Decreasing life cover or Joint life cover Quick and simple to apply online Get 30GBP of M&S vouchers when you take out life insurance (terms apply) Disadvantages Disadvantages Must be aged between 18 and 64 Must pay more for cover if you are unable to work more than 6 months due to illness or injury
Sun Life Direct Guaranteed Over 50 Plan	Life Insurance Provider	Aged 50 - 85 years old	Sun Life Direct Guaranteed Over 50 Plan	Between £6 - £74	Varies	Type Cover Type A guaranteed fixed cash sum Level Cover Level Standard Detail Cover Detail 1. Provided you’re aged 50 – 85 and a UK resident, they guarantee to accept you. 2. They pay out the fixed cash sum on your death as long as you’ve been paying into the Plan for at least two years. 3. If you die in the first 2 years, they will pay back all the premiums paid, plus half as much again. Because the cash sum is fixed, inflation will reduce its value over time	Online	For aged 50 to 85 years old.
Sun Life Direct Guaranteed Over 50 Plan	The Sunlife Direct Guaranteed Over 50 Plan is an easy way to leave a fixed cash sum for your family when you have gone, either as a gift or to help towards your funeral expenses. There are no health questions to answer and no medical whatsoever so provided you are aged 50 – 85 you are guaranteed to be accepted. MORE INFORMATION >>							Restrictions Restrictions The full fixed cash sum is not payable on death during the first two years. Services Services 1. The first month’s premium is free. 2. You can choose a gift to welcome you into the Plan. Advantages Advantages 1. A guaranteed fixed cash sum and no medical or health questions 2. Triple travel accident death benefit from day one 3. Affordable premiums that never change 4. The first month’s premium is free. 5. You can choose a gift to welcome you into the Plan. 6. You’ll have access to Careline, a confidential health information line 7. Funeral Benefit Option: You have the option of using your Plan to pay directly towards your funeral. Disadvantages Disadvantages 1. The Plan has no cash-in value 2. Restrictions and limitations apply to the policy. 3. You need to pay an excess
National Friendly 50 Plus Life Plan	Life Insurance Provider	Must be over the age of 50 years old	National Friendly 50 PLus Life Plan	Between £10 - £40	Varies	Type Cover Type Whole-of-life Level Cover Level Non-profit Detail Cover Detail The 50+ Life Plan is a whole-of-life, non-profit, life assurance policy which pays a guaranteed lump sum when you die.	Online	Over 50 years of age.
National Friendly 50 Plus Life Plan	The National Friendly 50 Plus Life Plan helps to reduce the financial worries for your loved ones. It is an easy way for you to leave your family a lump sum payout in the event of your death. There is guaranteed acceptance for all UK resident ages 50 – 79 and no medical is required to qualify. This is an ideal was to help towards funeral costs or to provide a nest-egg for your family. MORE INFORMATION >>							Restrictions Restrictions See website for exclusions and limitations Services Services 1. Your chosen premium will never go up, however long you hold the policy. 2. In your 90th birthday year we stop taking premiums but your cover continues. 3. Premiums also stop, with continued cover, if you’ve had your policy for 10 years or more and are admitted to a nursing home for long-term care. 4.You will also receive double payout at any time for accidental death while on holiday abroad. Advantages Advantages 1. Guaranteed acceptance for all UK residents aged 50-79. 2. No medical required. 3. Affordable monthly premiums – from just £10 a month. 4. Fixed premiums for life. 5. Lower premiums for non-smokers. 6. Guaranteed lump sum pay-out if death occurs after only 12 months. 7. Ideal way to help towards funeral costs or provide a nest-egg for your family. Disadvantages Disadvantages 1. Exclusions and limitations apply to all policies. 2. Your premium will be effected if you are a smoker.
Scottish Friendly Assurance Over 50s Guaranteed Protection Plan	Life Insurance Provider	Over 50 years old	Over 50s Guaranteed Protection Plan	Ask on application	Varies.	Type Cover Type Smoker or Non-Smoker Level Cover Level Standard Detail Cover Detail Please refer to the rate tables leaflet to see the benefits you could get for different payment amounts.	Online	Over 50 years old.
	The Scottish Friendly Over 50’s Guaranteed Protection Plan gives you an affordable way fro your to prepare from the future. You can receive cover from as little as 50p a day and get £200 of funeral benefits when your plan pays out. MORE INFORMATION >>							Restrictions Restrictions Your cover is dependent on your age, sex and smoker status when you take out a plan. Services Services Get an extra £200 of funeral benefits with Golden Charter Advantages Advantages 1. No intrusive questions about your health 2. No medical required 3. Guaranteed cash lump sum payable on death 4. An affordable way for you to prepare for the future 5. Cover from as little as 50p a day 6. Get £200 of funeral benefits when your plan pays out Disadvantages Disadvantages 1. Your cover is dependent on your age, sex and smoker status when you take out a plan. 2. Exclusions and limitations apply. 3. The plan has no cash-in value at any time.
AA Life Insurance	Life Insurance Provider	All people	AA Life Insurance	Dependent on Cover	Not stated	Type Cover Type Level Life or Critical Illness Level Cover Level Standard Detail Cover Detail Level Term Life: You choose the amount of cover you want and the number of years the policy term will run for. If you die during the policy term your insurer will pay the amount you are covered for. If you set up a joint policy (one policy to cover two people) the amount of cover is paid out if either person dies. The policy usually stops when a claim has been paid. The policy has no cash in value at any time. Critical Illness: If you die or are diagnosed with a critical illness during the policy term your insurer will pay the amount you are covered for. The types of illness covered include cancer, multiple sclerosis, heart attack and stroke. The full list of illnesses covered is detailed by each insurer in their Key Features document. If you set up a joint policy (one policy to cover two people) the amount of cover is paid out if either person claims. The policy usually stops when a claim has been paid. These policies have no cash in value at any time.	Online, telephone	All types
AA Life Insurance	Don't waste your time searching for life insurance. Trust the AA to do the hard work for you. They'll find you the best price that we can from our panel of leading insurers. The AA offer two types of cover - Level term life insurance and Critical illness cover. MORE INFORMATION >>							Restrictions Restrictions Contact directly for more information Services Services Includes waiver of premium Advantages Advantages Get an initial quote online within minutes. Life insurance from as little as £5 per month. We'll find you the best price that we can from our panel of leading insurers. Flexible cover to suit you. You can choose the length of time and amount you would like to be covered for and can cancel your policy at any time. Quick and hassle-free to arrange. Your application can be arranged online or over the phone with our UK based call handlers. Disadvantages Disadvantages Website not as clear as some others Limited to two cover types Payments by monthly direct debit only
Legal and General Life Insurance	Life Insurance Provider	Critical Illness Cover available	Level Term Assurance and Decreasing Term Assurance	From £6	Dependent on Policy	Type Cover Type Level Term Assurance and Decreasing Term Assurance Level Cover Level Standard Detail Cover Detail Level term assurance Your monthly premiums and chosen amount of cover always stay the same, so you know exactly what you're getting (unless you choose to exercise your guaranteed insurability option). Decreasing term assurance Your chosen amount of cover decreases over the term of the policy. This type of cover is usually associated with mortgage term assurance	Online	Level Term Assurance and Decreasing Term Assurance Health Insurance
Legal and General Life Insurance	Legal and General offer two different types of life insurance, including Level Term Assurance and Decreasing Term Assurance. Legal and General Life Insurance policies are simply designed to pay out a cash lump sum should you die during the policy terms. MORE INFORMATION >>							Restrictions Restrictions The premium they quote you is affected by a number of factors. The main ones are your age, sex, occupation, smoker status, health, the level of cover you need and type of contract that you choose. Normally, the older you are, the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed. Services Services 1. If you die during the term, your policy will pay out your chosen amount of cover. Advantages Advantages 1. You decide how much cover you need and how much you can afford to pay. 2. They fix the premium - so they won't increase the price you pay once the policy has been taken out. 3. They include terminal illness cover at no extra cost. 4. you can get an immediate quote online 5. You may pay your premium monthly or annually Disadvantages Disadvantages 1. If you stop paying your premiums your policy will end. 2. There is no cash in value at any time. 3. If you do not truthfully provide all the information Legal and General request on your application or when you or your representative make a claim, they wont make a pay out under the plan. 4. There are some circumstances when your plan wont pay out. 5. The present tax treatment may change. 6. You must check that the plan term is long enough to cover the duration of your mortgage term. 7. Your policy's conditions or benefits may be subject to exclusions after they underwrite your application.
Barclays introduces Aviva Life Insurance	Life Insurance Provider	Between the ages 18 - 66 years old	Level term life insurance and Decreasing term life insurance	From £5 a month	Ask on application	Type Cover Type Level term and Decreasing term Level Cover Level Standard Detail Cover Detail Level term life insurance 1. Provides a lump sum on death or terminal illness to help provide a financial cushion for your family or pay off debts 2. Level of cover remains the same throughout the term of the policy Decreasing term life insurance 1. Provides a lump sum on death or terminal illness which could be used to cover outstanding repayments on a mortgage or loan 2. Level of cover reduces each year - in line with the sum you owe	Online, Tel	You'd like a quick online quote
Barclays introduces Aviva Life Insurance	Barclays life insurance from Aviva offers simple, great value life insurance. If you purchase your policy online you will receive a 10% discount and you will receive a £15 Marks and Spencer voucher from Aviva when you make your third monthly payment. You can apply online and be covered in just 15 minutes. MORE INFORMATION >>							Restrictions Restrictions See website for terms and conditions Services Services 1. Barclays offer two types of cover to meet your needs, level term life insurance and decreasing term life insurance. Advantages Advantages 1. Get a quick quote in under two minutes and be covered online in just 15 minutes 2. 10% online discount 3. Aviva will send you a £15 Marks & Spencer voucher when you make your third monthly payment 4. Monthly premiums will stay the same throughout the policy term Disadvantages Disadvantages 1. Only available between ages 18-66 2. Cover stops on your 70th birthday
Legal and General Over 50’s	Life Insurance Provider	You must be between 50 - 80 year olds	The Fixed Plan, The Increasing Plan, The Funeral Plan	£5 - £50	Dependent on cover	Type Cover Type The Fixed Plan/The Increasing Plan/The Funeral Plan Level Cover Level Standard Detail Cover Detail The Fixed Plan pays out a fixed benefit when you die with the certainty of fixed monthly premiums. The Increasing Plan alows you to watch your benefit grow when your premiums increase. The Funeral Plan aims to cover the costs of a traditional cremation funeral.	Online, Tel	50 - 80 year olds
Legal and General Over 50’s	The Legal and General over 50’s Life Insurance plan offer you three great policies to choose from. You must be between the ages of 50 -80 years old to be eligible for these policies. The policies available are; The Fixed Plan, The Increasing Plan and the Funeral Plan. All these plans are designed to provide life cover for the whole of your life. MORE INFORMATION >>							Restrictions Restrictions 1. Guaranteed acceptance for UK residents aged 50 to 80 and no medical or health assessment when you apply. 2. You need to pay the premiums until you die. However, if you reach your 90th birthday, you stop paying premiums but the cover continues for the rest of your life. 3. The plans have no cash-in value at any time. Services Services 1. A full copy of the terms and conditions will be sent to you as soon as you have applied. Advantages Advantages 1. Premiums start from £5 a month and they promise to fix your premium and never increase it once your plan starts on the Fixed Plan. 2. After two years Legal and General will pay the benefit of the plan regardless of the cause of death. 3. You can take out more than one plan as long as the total of all your premiums added together is not more than £50 a month. This includes any existing Legal & General Over 50s plans you may have. 4. You can help make sure that the benefit reaches the people that you would like to protect by placing the plan in Trust. Disadvantages Disadvantages 1. Inflation may over time reduce the value of the benefit paid out on The Fixed Plan. 2. If you stop paying premiums when they are due the plan will be cancelled and you won't get anything back. 3. The plan has no cash-in value at any time. 4. Depending on how long you live the total premiums paid may be greater than the benefit payable on death.
Liverpool Victoria 50 Plus plan	Life Insurance Provider	If you are aged between 50 - 80 years old.	Liverpool Victoria 50 Plus plan	From £5	Varies	Type Cover Type Level or Decreasing Cover Level Cover Level Dependent on age and gender Detail Cover Detail Get up to £25,000 of cover	Online	Aged 50 - 80 years old.
Liverpool Victoria 50 Plus plan	The Liverpool Victoria 50 Plus Plan is designed to provide a one off payment when you die. This cash could be used to pay for funeral expenses, any loans or bills you may still have to pay or to leave as a gift. The maximum cover you can apply for is £25,000 and is dependent on your gender, age and the amount of cover you choose. MORE INFORMATION >>							Restrictions Restrictions You must be a UK resident. Services Services 1. No minimum amount of cover. 2. You can choose from level or decreasing cover. Advantages Advantages 1. No medical or health questions. 2. Guaranteed acceptance if you're aged 50 to 80 and a UK resident. 3. Get an extra 10% with our Funeral Benefit Option. 4. Your family will get a cash lump sum to help with funeral expenses and unpaid bills. 5. The guaranteed sum could also be a gift for your grandchildren. 6. Get up to £25,000 of cover. 7. Cover from just £5 a month 8. Your premium is fixed. 9. The amount of cover depends on your age and gender 10. Your spouse or partner can also apply. 11. Cover continues for free when you're 90. 12. Their claims process is simple and efficient. 13. Choose a free gift when your plan starts Disadvantages Disadvantages 1. Limitations and restrictions apply. 2. If you die in the first year of your plan, your family may only get what you've paid in. 3. If you cancel your plan, you won't get back any premiums you've paid. 4. Premiums paid might be more than the cash sum paid when you die.
Debenhams Life Insurance	Life Insurance Provider	Permanently resident in the UK	Debenhams Life Insurance	From £5	Varies	Type Cover Type Level Term, Level Term with Critical Illness, Decreasing, Decreasing with Critical Illness, Critical Illness Cover Level Cover Level Standard Detail Cover Detail 1. Life Level Term Insurance 2. Life Level Term Insurance with Critical Illness Cover 3. Mortgage Life Insurance 4. Mortgage Life Insurance with Critical Illness Cover 5. Critical Illness Cover Life Level Term Life Level Term Insurance has an amount of cover which remains the same throughout the term of the policy. You decide the number of years you wish the policy to be in force and the level of cover you require at the outset. This policy will pay out on the death of the insured, or if critical illness cover is added, on the diagnosis of a specified critical illness. Whichever occurs first. Mortgage Life Insurance The amount of cover which a Mortgage Life Insurance policy provides decreases in line with the outstanding balance on a standard repayment mortgage. You choose the length of the policy (which is usually the same as the remaining years on your mortgage) and the initial level of cover at the outset. This policy will pay out on the death of the insured, or if critical illness cover is added, on the diagnosis of a specified critical illness. Whichever occurs first. Critical Illness Cover A Critical Illness policy pays out a lump sum upon diagnosis of a serious illness that is specified in the policy. The term and sum to be insured are decided at the outset. If a critical Illness is diagnosed during the specified term then the sum insured is paid out. All the above policies can be set up on a single or joint life basis. If a claim has not been made before the end of the term then the plan ceases and nothing is paid out. There is no cash in value at any time. If a claim is made then the policy ceases. In the case of Joint Life policies, cover will cease following the first claim from either life. Long Term Income Protection (PHI) Long Term Income Protection Insurance also known as Permanent Health Insurance is designed to pay you a regular income if an illness or injury prevents you from working. The income can be paid for as long as you are unable to work through accident, sickness or until the end of the policy term. This product has no investment content and has no cash in value at any time.	Online	If you are in good health
Debenhams Life Insurance	Debenhams provide you with Life insurance from as little as £5 each month. You can be covered against funeral costs, credit card or personal loan debts, finance to help your family maintain their lifestyle, for your dependents future education or to pay off your mortgage. You will also receive a £50 Debenhams gift card to use in store or online too. MORE INFORMATION >>							Restrictions Restrictions See terms and conditions for limitations and exclusions. Services Services Your premium will depend on your individual circumstances and the level of cover you choose to provide. Advantages Advantages 1. Instant online quote. 2. Cover from £5 a month. 3. Various cover to choose from. 4. £50 Debehnhams giftcard you can use in store or online. Disadvantages Disadvantages 1. Exclusions and limitations apply to policy. 2. You need to apply to obtain quotation