LIFE INSURANCE - COMPARE LIFE INSURANCE

Download to Excel 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.

Filter report by:
All Life Insurance    Life Insurance Providers    Life Insurance Brokers

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

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

Life Insurance Information
PROVIDERTYPEPERSON
INFO		POLICYCOSTEXCESSCOVERMETHODSSUITABLE
FOR		APPLY
Asda Instant Life Cover
Asda Instant Life Cover		Life Insurance ProviderYou must be over the age of 17 years old.Asda Instant Life CoverFrom £5.00 per monthNoneType

Cover Type

Instant Life Cover


Level

Cover Level

Standard - Comprehensive


Detail

Cover Detail

You can choose from 3 premium levels: £5, £10 and £15

OnlineGuaranteed acceptance to anyone aged 17-50 living in the UKAsda Instant Life Cover
Asda Instant Life Cover is quick, easy and affordable. The only product in the UK that offers guaranteed acceptance to all customers aged 17 – 50. With just 3 questions and 3 level of cover to choose from; £5,10,15. You can get cover in minutes –
DETAIL INFORMATION >>		Restrictions

Restrictions

If you pass away because of certain pre-existing medical conditions they may not be able to pay out.


Services

Services

You can’t increase or reduce the premium on this cover, but you can ‘top-up’ by taking out additional cover up to the maximum monthly payment of £15 a month.


Advantages

Advantages

1. Only product in the UK that offers guaranteed acceptance to anyone aged 17-50 for their Life Insurance
2. No medical or complicated forms to fill in
3. The easy application means that you are covered within 5 minutes
4. Cover from £5! – you can choose from 3 premium levels: £5, £10 and £15
5. Cover to age 65
6. Guaranteed premiums – your monthly payments are fixed/will never go up


Disadvantages

Disadvantages

1. There are policy exclusions that need to be looked at before you take out this policy.

Foresters Friendly 50+ Life Cover
Foresters Friendly 50+ Life Cover		Life Insurance ProviderYou must be between 50 and 80 years old.50+ Life CoverFrom 36p per dayVariesType

Cover Type

Life Cover


Level

Cover Level

Standard


Detail

Cover Detail

We aim to add to the value of your guaranteed basic sum assured payable on death by adding annual bonuses, with a possible additional bonus paid at the time of death. It's important to note that any bonuses added to your policy's value become part of your guaranteed return. (The addition of bonuses is not guaranteed)
 
We have been providing financial support for over 175 years and offer much more than just a financial product when you take out one of our policies. Automatic membership with us gives you access to our unique range of valuable benefits including savings, discounts and discretionary grants.

Online, Tel, PostUK residents aged between 50 and 80 years.Foresters Friendly 50+ Life Cover
Apply today and receive a free Will worth £199 (Terms and conditions apply). Give your loved ones financial support through Foresters Friendly Society over 50s life insurance policy which provides a guaranteed cash lump sum paid out after your death. Our whole of life policy gives everyone more control, as you can name a beneficiary to receive up to £5,000 immediately after your death without the need to wait for Probate which can be a lengthy process. There's no medical and you won't be asked any health related questions either.
DETAIL INFORMATION >>		Restrictions

Restrictions

You must be between 50 and 80 years old.


Services

Services

Give your loved ones financial support through Foresters Friendly Society over 50s whole of life insurance policy which provides a guaranteed cash lump sum paid out after your death


Advantages

Advantages

1. Guaranteed cash pay-out when you die.
2. Bonuses could be added to the cash payout (sometimes called the basic sum assured)
3. Guaranteed acceptance - no medical required
4. From just 36p a day
5. Automatically become a Member and access unique benefits.
5. Apply online today and receive a free Will worth £199


Disadvantages

Disadvantages

1. It's important to make sure you choose a benefit level that will realistically help your dependants when you're no longer around.  Remember that inflation will reduce what can be bought in the future with the sum assured.
2. Please bear in mind that if you should die during the first two years of the policy, payouts are limited to the return of premiums - other than in the case of accidental death.
3. If you stop paying premiums the life cover will cease immediately.  It also has no cash-in value for the first two years.  After two years you can cash in your policy, but the value of it is unlikely to be as much as you have paid in.  Alternatively, after two years, you can apply for a paid-up policy with reduced benefits.
4. Please remember that this is not a funeral plan and there is no guarantee that the amount received would cover the costs of a funeral.

The Post Office 50’s Life Cover
The Post Office 50’s Life Cover		Life Insurance ProviderYou must be over the age of 50 years old.Over 50From 25p a dayVariesType

Cover Type

Over 50


Level

Cover Level

Standard


Detail

Cover Detail

To pay a cash sum when you die.

Online, TelOver 50 years old.The Post Office 50’s Life Cover
The Post Office over 50’s Life Cover is a simple and affordable way to provide your family with a cash sum when you die to help with funeral expenses or clear debt. There are no medical questions and acceptance is guaranteed.
DETAIL INFORMATION >>		Restrictions

Restrictions

You must be aged between 50 and 80; and a UK resident


Services

Services

No medical screening - Acceptance Guaranteed if you're a UK resident between the age of 50 and 80


Advantages

Advantages

1. No medical screening - Acceptance Guaranteed if you're a UK resident between the age of 50 and 80
2. Unlike some equivalent plans, you'll be eligible for the full sum if you die from natural causes after just 12 months of payments
3. If you die in an accident after the first 12 months of cover, we'll pay double the full sum assured
4. Voted Your Money Best Direct Life Insurance Provider 2 years running (Your Money Direct Awards 2008 & 2009).


Disadvantages

Disadvantages

1. The plan has no cash-in value at any time.
2. Depending on how long the plan runs, the total premiums you pay may be greater than the cash sum paid on death.
3. The cash sum is fixed, so inflation will reduce what can be bought with it in the future.
4. If you stop paying the premiums when they are due, you won’t get any benefits for the amount you’ve already paid.
5. If you die other than as a result of a fatal accident during the first 12 months Aviva will only return the premiums you have paid.

Virgin Life Insurance
Virgin Life Insurance		Life Insurance ProviderBetween ages of 18-64 years oldVirgin Life InsuranceDependent on CoverNot statedType

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, telephoneUK residents aged 18-64Virgin Life Insurance
At Virgin Money we can offer you great value life insurance, plus you’ll receive £50 of Marks and Spencer vouchers when you take out a policy. Cover starts from just £5 per month and you can choose to have level or reducing cover, on a single or joint life basis.
DETAIL 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 E-Giftcards 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
 

Legal and General Over 50’s
Legal and General Over 50’s		Life Insurance ProviderYou must be between 50 - 80 year oldsThe Fixed Plan, The Increasing Plan, The Funeral Plan£5 - £50 per monthDependent on coverType

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, Tel50 - 80 year oldsLegal and General Over 50’s
The Legal and General over 50’s 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. Apply online and receive £50 worth of M&S vouchers.
DETAIL 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.

ASDA Over 50
ASDA Over 50		Life Insurance ProviderYou must be between 50 and 80 years old.ASDA Finance Over 50£14.59VariesType

Cover Type

Over 50


Level

Cover Level

Standard


Detail

Cover Detail

Getting your quote is quick, easy and secure and your application should take no longer than 10 minutes to complete. If you choose to take out this plan you'll need your bank details, including your sort code and account number

Online, TelOver 50's Life InsuranceASDA Over 50
Asda’s Over 50s Life Cover is for UK residents aged 50 – 80 who have maybe considered life insurance but have done nothing about it. Typically these customers have made their own judgements, for example they think that buying life insurance is a difficult decision, is too expensive and time consuming with forms and medicals to go for – but know they need it. It offers them the chance to leave a lump sum for their loved ones which they can use towards things such as funeral costs and unpaid bills. If you’re aged 50 – 80 years old, live in the UK and want a simple solution to life insurance - try Asda Over 50s Life Cover.
DETAIL INFORMATION >>		Restrictions

Restrictions

You must be permanently living in the UK and are between 50 and 80 years old. The maximum cover you can apply for is £25,000.


Services

Services

Give your loved one financial support through ASDA Finance's Over 50's Life Cover


Advantages

Advantages

1. Guaranteed Acceptance for all UK residents aged 50 – 80, No health or medical questions asked
2. Pays out in full if you die after just one year. If you die within the first 12 months you may only
3. Premiums from £5 a month
4. get back the premiums you have paid
 5. Free £30 ASDA gift card when you take out a plan
6. Option to pay extra so that you’ll never pay in more than is paid out
7. Option to assign plan to Dignity for funeral benefits and receive 10% extra towards funeral costs
8. Guaranteed premiums – your monthly payments are fixed and will never go up. However because your cover is also fixed, inflation means the lump sum will buy less in the future
9. Cover is provided by LV=


Disadvantages

Disadvantages

1. The plan has no cash-in value. If you cancel your plan you won't get back any of your premiums and you won't receive a cash lump sum when you die
2. The payments from this plan will usually go to your estate, so they may be subject to inheritance tax
3. Your cover amount is fixed from the start of your plan, so inflation could reduce the buying power of the cash lump sum you leave behind
4. If you choose not to cap your premiums, depending on how long you live you could end up paying more than is paid out when you die
5. If you pass away within the first 12 months, the plan may only pay out the premiums you've paid in

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.

OnlineCheap life insuranceBest Life Cover
Best Life Cover 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.
DETAIL INFORMATION >>		Restrictions

Restrictions

See individual policy for restrictions


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.

London and Cover
London and Cover		Life Insurance BrokerAsk on applicationLondon & Cover Life InsuranceVaries on policy chosenVaries on policy chosenType

Cover Type

Life Insurance


Level

Cover Level

Varies on policy chosen


Detail

Cover Detail

1. Personal Life Cover
2. Life Cover and Critical Illness

OnlineFor those seeking cheap life insuranceLondon and Cover
The website exists to help consumers to find the lowest rates available on life insurance, working with the top insurance providers to find your personal policy at the lowest price. During this time of economic difficulty, it is especially important that you are able to make informed financial decisions for yourself and your family.
DETAIL INFORMATION >>		Restrictions

Restrictions

See website for details


Services

Services

1. Personal Life Cover
2. Life Cover and Critical Illness


Advantages

Advantages

London And Cover offers the following information and services:
1. Informative articles and guides on a range of personal finance subjects
2. Tools and calculators to help you make informed decisions about your finances
3. No-obligation introductions to qualified financial services brokers for personalised advice and quotes
4. UK-wide Financial Advisor search by location and specialism
5. Supportive community of advisors and consumers with the option to ask a professional advisor for guidance directly


Disadvantages

Disadvantages

1. London & Cover are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.
2. Nothing within this website is, or shall be deemed to constitute financial or other advice or a recommendation to purchase any product or service

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, telephoneFamily's seeking life insurance.Legal and General Family Life Insurance
Our life assurance policy allows you to make sure your family is protected in the event of your death, during the policy term. You choose the amount of cover you need and the length of time you want to be insured for. Your premiums will never change (unless you change the amount of cover held under the policy or alter the plan), allowing you to budget with confidence.
DETAIL INFORMATION >>		Restrictions

Restrictions

1. Our policies 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. 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.

OnlineIf you are in good healthDebenhams 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.
DETAIL 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

AA Life Insurance
AA Life Insurance		Life Insurance ProviderAll peopleAA Life InsuranceFrom £5 per monthNot statedType

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, telephoneAll typesAA 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 they can from their panel of leading insurers.  The AA offer two types of cover - Level term insurance and Critical illness cover.
DETAIL 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
 

News and ChartsNEWS / CHARTS

Fear Of UK Recession Eases As Service Sector Grows
03 February 2012 - Which Way to Pay
Niesr Report released today says that recession is inevitable but it's not all doom and gloom


Read More >>		To Payday Loan or Not To Payday Loan – That Is The Question
02 February 2012 - Which Way to Pay
With millions of Britons expcected to take out payday loans this year why are so many people turning to these high interest loans despite the bad press?
Read More >>		UK House Prices Fall But Manufacturing Rebounds
01 February 2012 - Which Way to Pay
According to data from Nationwide Building Society, UK house prices unfortunately fell for the second straight month in January but on a positive note the UK’s manufacturing sector enjoyed a better than expected start to 2012.
Read More >>