LIFE INSURANCE 

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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 and this is what life insurance is for. 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. The 'get a free insurance quote' button gives you access to the Seopa Insurance quote system which offers access to additional insurers from those listed in the table below. www.whichwaytopay.com is owned by Which Way to Pay Limited, who are an Introducer Appointed Representative of Seopa Ltd. The insurance quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FSA, number 313860. For more information please see disclaimer.

Search Report: ALL  Life Insurance Providers  Life Insurance Brokers

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERTYPE

TYPE

Broker or Provider

PERSON INFO

PERSON INFO

Person's health information necessary

POLICY

POLICY

Details of the insurance policy

COST

COST

Cost of policy

EXCESS

EXCESS

An excess is a payment you have to make if you decide to claim on your policy

COVER

COVER

Details of cover available

METHODS

METHODS

Application Methods available

SUITABLE

SUITABLE

Who insurance is suitable for

RESTRICTIONS

RESTRICTIONS

Restrictions for applicants

MORE INFO

Standard Life Insurance
Standard Life Insurance

Life Insurance ProviderYou must be between 17 and 69 years oldStandard Life InsuranceFrom £5 a monthVariesType

Cover Type

Life Insurance


Level

Cover Level

Level or Decreasing Cover


Detail

Cover Detail

1. If you’re aged 55 or under when your plan starts the most cover you can apply for is £500,000. 

2. If you’re aged 56 to 65 when your plan starts, the most cover you can apply for is £300,000.
3. If you’re aged 66 or more when your plan starts the most cover you can apply for is £200,000. 
4. For joint life plans these limits apply to the older of you. For example if one of you is aged 50, and the other is aged 60, then the maximum amount of cover you can have for a joint life plan is £300,000 

 You can take out: 

1. Level cover - This means the amount of cover and the premium you pay is fixed when your plan starts, and doesn’t change. This means it won’t keep up with inflation and may buy less in the future. 
2. Decreasing cover - This type of cover is designed to cover the reducing amount that you owe on a capital and interest repayment mortgage. The amount of cover will go down each month, but the premium you pay is fixed when your plan starts and doesn’t change.

Telephone, OnlineSuitable For

Suitable For

For individual and joint life insurance plans

Restrictions

Restrictions

1. This offer is only available to UK residents who are between 17 and 69 years of age. 
2. If you are diagnosed with a terminal illness in the last 12 months of your plan, we won’t pay a terminal illness claim.

Standard Life Insurance
Life insurance lets you protect your family financially should the worst happen. Also receive a free £60 M&S voucher when you buy online. Standard life is one of the UK's most respected insurers. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. Click here for more information. DETAIL INFORMATION >>Services

Services

1. Life Insurance


Advantages

Advantages

1. £60 M&S vouchers - when you buy online (terms and conditions apply) 

2. Quick - get a quote in minutes. Just answer eight simple questions 
3. Competitive – cover starts at just £5 a month 
4. Easy to apply - with our online application 
5. Guaranteed price - fixed payments throughout your plan 
6. Early payout for terminal illness - if you’re diagnosed with a terminal illness, you can ask for a reduced benefit to be paid out early instead


Disadvantages

Disadvantages

1. To receive the offer your first seven months’ payments must have been received by LV=. Your vouchers will be sent to you within 28 days of LV confirming to us that they have received seven months' payments 

2. You can only receive the £60 M&S vouchers on the first application for the product (£60 M&S vouchers for one LV= Life insurance plan) 
3. There is no cash alternative or alternative choice of voucher available
4. If you stop paying premiums, your plan will stop after 60 days. This means you won’t be covered.
5. If you ask us to pay out your plan early because you’ve been diagnosed with a terminal illness, we’ll reduce the amount of cover we pay out by 3%. Y
6. This plan has no cash-in value at any time. 
7. The premium you pay includes a monthly administration charge of £2.00 
8. You can’t take out a plan that lasts for less than five years, or more than 45 years. 
9. Your plan must end before you reach age 85.

Best Life Cover
Best Life Cover

Life Insurance BrokerAsk on applicationBest Value Cover Life InsuranceFrom £1.40 per monthVariesType

Cover Type

Standard


Level

Cover Level

Level and Decreasing


Detail

Cover Detail

1. Life Insurance.
2. Critical Illness Cover
3. Mortgage Payment Protection
4. Income Protection
5. Loan Protection.

OnlineSuitable For

Suitable For

Cheap life insurance

Restrictions

Restrictions

See individual policy for restrictions

Best Life Cover
Best life cover can offer a good deal. Best Life Insurance look for the best insurance cover available on the whole of the market. Best Life Cover is one of the leading life and protection insurance search providers and search the market to find you the best insurance deal. Apply online and discover your potential savings today. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. Click here for more information. DETAIL INFORMATION >>Services

Services

1 minute short application form


Advantages

Advantages

1. Cover from just £1.40 per month
2. Compare 400+ plans from trusted brands
3. Cheaper than buying direct from the insurers
4. We’ll find the best value cover for you


Disadvantages

Disadvantages

1. All policies have restrictions.
2. You must be over the age of 18 to apply.

Chase Templeton Over 50s Life Insurance
Chase Templeton Over 50s Life Insurance

Life Insurance BrokerYou must be between 50 and 75 years oldOver 50Dependent on CoverNot StatedType

Cover Type

Life Insurance


Level

Cover Level

Varies on Policy chosen


Detail

Cover Detail

You will recieve a guaranteed lump sum. You get to decide how much you want your family to receive as a lump sum on your death.You can choose how much you want to pay each month and that premium will never increase.

Online, TelephoneSuitable For

Suitable For

For over 50's

Restrictions

Restrictions

Not suitable for over 75s

Chase Templeton Over 50s Life Insurance
Chase Templeton's Over 50s Life Cover is an affordable way to leave the ones you love a useful cash lump sum to help them cover the cost of your funeral, help clear unpaid bills and make their life a little easier when you’re gone. Apply online in minutes. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. DETAIL INFORMATION >>Services

Services

Leave your loved ones more than just memories


Advantages

Advantages

1. Guaranteed Acceptance - All UK residents aged between 50 and 75 will be accepted
2. No Medical - You won’t need to visit your GP and you won’t be asked any questions about your health
3. A Guaranteed Cash Lump Sum - You decide how much you want your family to receive as a lump sum on your death
4. Fixed Payments - You can choose how much you want to pay each month and that premium will never increase.


Disadvantages

Disadvantages

1. Must be between 50 and 75
2. For UK residents only
3. Payments are based on a number of factors including your medical history and whether you smoke

Legal and General Family Life Insurance
Legal and General Family Life Insurance

Life Insurance BrokerFor family life insuranceLegal and General Family Life InsuranceFrom £6Dependant on coverType

Cover Type

Life Insurance


Level

Cover Level

Standard


Detail

Cover Detail

If you have Life and Critical Ilness Cover you can choose between guaranteed and reviewable premiums.
1. Guarenteed premiums - stay the same
2. Reviewable premiums - stay the same for the first five years and then a review takes place.

Online, telephoneSuitable For

Suitable For

Family's seeking life insurance.

Restrictions

Restrictions

1. Our policies have no cash-in value at any time.

Legal and General Family Life Insurance
Have you ever wondered how your loved ones would cope financially if you died? Help protect your family with life insurance from Legal & General from just £6 a month. Plus receive a £50 M&S Voucher if you apply before 31 May 2013. Your partner can apply too, so you could both be financially protected, and get an extra £50 M&S vouchers! Terms and Conditions apply. Get a quote and apply online today. DETAIL INFORMATION >>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. Get a life insurance quote in under 2 minutes and an instant online decision.
2. Our life insurance pays out a cash sum if you die during the policy term.
3. Add critical illness cover at an additional cost. It could pay out a cash sum to help you and your family, if you're diagnosed with a specified critical illness.
4. In 2010 we paid out a total of £147 million in critical illness claims, helping 2,515 individuals and their families when they needed it most.
5. Premiums are guaranteed to stay fixed throughout your policy term.
6. Add waiver of premium to your policy for an additional cost, for peace of mind that your premiums will still be paid if you're unable to work due to incapacity.
7. As your family's needs change, your policy can change with you. For example, you can increase your cover if you have a child, move home or get married, without the need to provide further medical evidence.


Disadvantages

Disadvantages

1. Our policies have no cash-in value at any time.

Debenhams Life Insurance
Debenhams Life Insurance

Life Insurance ProviderPermanently resident in the UKDebenhams Life InsuranceFrom £5 per monthVariesType

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.

OnlineSuitable For

Suitable For

If you are in good health

Restrictions

Restrictions

See terms and conditions for limitations and exclusions.

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. Please make sure that you reaad the terms and conditions of this insurance policy carefully before you make a purchase. It is important to make sure that you are fully covered. DETAIL INFORMATION >>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

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

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Compare Life Insurance

If you have anyone who is financially dependent on you, you should take out life insurance to make sure they can cope financially should you die.

What is Life Insurance?

Life insurance is a popular and cost effective way of protecting your family and loved ones in the event of your death. You can have the peace of mind that should you die your family will be left with a lump sum so they will be financially secure.

Why do you need Life Insurance?

If you have anyone who is financially dependent on you then life insurance is a real necessity. Your death can lead to very serious implications for your partner or children.

What can Life Insurance be used for?

Should you die prematurely life insurance can be used to pay any final expenses, provide an income for your family and ensure your family has the resources to maintain a comfortable standard of living. It can also be used to leave a legacy to your favorite charity.

Funerals can be very expensive which is why many people take out life insurance to help pay for these costs. Life insurance can also be used to protect any assets you may have and settle any debts or unpaid bills that you may have, including mortgages, so your family don’t have to deal with this burden. It can also be used for your children’s futures to help pay for education fees.

For an extra cost you can find additional benefits on life insurance cover. The most common type of additional cover is for critical illness. This provides a payment on diagnosis of a critical illness for conditions such as cancer, kidney failure, blindness, strokes and many more.

Choosing the right policy

There are many different types of life insurance so you need to make sure you find the policy that best suits you. It is important that you take the time to research the market. You can use the table above to compare different insurers to help you find the best policy at the best price.

In terms of how much a policy will cost bear in mind that the amount you pay for your policy increases with the likelihood of death within the term. Your age, health and occupation can increase the price.

Life Insurance Information

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Life Insurance Gallery

AA Life InsuranceAA Life Insurance Life InsuranceAsda Instant Life CoverAsda Instant Life Cover Life InsuranceASDA Over 50ASDA Over 50 Life InsuranceBarclays introduces Aviva Life InsuranceBarclays introduces Aviva Life Insurance Life InsuranceBest Life CoverBest Life Cover Life InsuranceChase Templeton Over 50s Life InsuranceChase Templeton Over 50s Life Insurance Life InsuranceClick CompareClick Compare Life InsuranceContact InsuranceContact Insurance Life InsuranceDebenhams Life InsuranceDebenhams Life Insurance Life InsuranceeLife.co.ukeLife.co.uk Life InsuranceEngage Mutual Assurance Over 50s Life InsuranceEngage Mutual Assurance Over 50s Life Insurance Life InsuranceForesters Friendly 50 plus Life CoverForesters Friendly 50 plus Life Cover Life InsuranceLegal and General Family Life InsuranceLegal and General Family Life Insurance Life InsuranceLegal and General Life InsuranceLegal and General Life Insurance Life InsuranceLegal and General Over 50s Life InsuranceLegal and General Over 50s Life Insurance Life InsuranceLiverpool Victoria 50 Plus planLiverpool Victoria 50 Plus plan Life InsuranceLondon and CoverLondon and Cover Life InsuranceNational Friendly 50 Plus Life PlanNational Friendly 50 Plus Life Plan Life InsuranceScottish Friendly Assurance Over 50s Guaranteed Protection PlanScottish Friendly Assurance Over 50s Guaranteed Protection Plan Life InsuranceScottish Friendly Over 50Scottish Friendly Over 50 Life InsuranceStandard Life InsuranceStandard Life Insurance Life InsuranceSun Life Direct Guaranteed Over 50 PlanSun Life Direct Guaranteed Over 50 Plan Life InsuranceThe Post OfficeThe Post Office Life InsuranceThe Post Office 50s Life CoverThe Post Office 50s Life Cover Life InsuranceVirgin Life InsuranceVirgin Life Insurance Life Insurance

Life Insurance Reviews

Click Compare Life Insurance ReviewLegal and General Over 50s Life Insurance Life Insurance Review

LIFE INSURANCE - LATEST NEWS News and Charts

Who needs life insurance?

06 May 2013
Mark Maffia

Everybody should have a life insurance, and take it out as early as possible

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10 July 2012 16:00
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Asda is famous for saving you money every day and their new name just reflects this more closely. Asda Money combines retail expertise and best of breed financial services to bring customers quality products with customer focus at great prices. All customers that get a quote or take out an Asda Money product will be entered into a free prize draw to win £10,000

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Chase Templeton Over 50’s Life Insurance

21 June 2012 11:00am
Which Way to Pay

Looking for Life Insurance? Over 50? A new product now available for you to compare Chase Templeton's Over 50s Life Cover is an affordable way to leave the ones you love a useful cash lump sum to help them cover the cost of your funeral, help clear unpaid bills and make their life a little easier when you’re gone.

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Be Prepared With Life Insurance

7 June 2012
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If the worst should happen don’t you want to ensure that your loved ones aren’t left with financial burdens?

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Financial Protection For Your Loved Ones With Life Insurance

20 March 2012 17:00
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Although it can be a difficult subject have you ever thought about what would happen to your family and loved ones if you were no longer around?

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