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Life Insurance

  2. 1
    You and your cover
  5. 2
    Your lifestyle
  8. 3
    Your health
  11. 4
    Additional questions about you
  14. 5
    Your contact details
  17. 6
    Your results

Welcome, let's get your Life Insurance sorted out

It might seem like we're asking quite a few questions, but every answer you give helps us build tailored quotes to suit your circumstances.

We want everything to go smoothly!

So please make sure all your answers are complete and accurate.

Insurers rely on the information and may not check it, if the information you provide is not accurate your policy may be cancelled or the insurer may not pay out in the event of a claim.

About you

Please select your title

Please enter your first name

Please enter your last name

Please select your gender

Please select your marital status

Your age is one of the factors used by insurers to calculate your premium.

Unfortunately we can only provide products to users between 18 and 65 years of age

Need help?

Your age is one of the factors used by insurers to calculate your premium.

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Edit address

Please enter a valid UK postcode

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Please enter your address

Please select whether or not you have smoked or used nicotine products in the last 12 months

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

You are classed as a smoker if you have smoked or used any tobacco related products (including nicotine patches or e-cigarettes) within the last 12 months.

Need help?

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

Please select whether this cover is just for you

In the case of two people jointly covered, Life Insurance will pay out on the death of the first person (but then not the death of the second).

There must be an 'insurable interest' between the first and second person. This means that if one person were to die, the other would suffer a financial loss that the Life Insurance policy can help to cover. Parties with insurable interest are married couples, civil partners, people sharing a mortgage or loan.

Need help?

In the case of two people jointly covered, Life Insurance will pay out on the death of the first person (but then not the death of the second).

There must be an 'insurable interest' between the first and second person. This means that if one person were to die, the other would suffer a financial loss that the Life Insurance policy can help to cover. Parties with insurable interest are married couples, civil partners, people sharing a mortgage or loan.

About the second applicant

Please select the second applicant's title

Please enter the second applicant's first name

Please enter the second applicant's last name

Please select the second applicant's gender

Please select the second applicant's marital status

Your age is one of the factors used by insurers to calculate your premium.

Unfortunately we can only provide products to users between 18 and 65 years of age

Need help?

Your age is one of the factors used by insurers to calculate your premium.

/ /

Please select whether or not the second applicant has smoked or used nicotine products in the last 12 months

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

You are classed as a smoker if you have smoked or used any tobacco related products (including nicotine patches or e-cigarettes) within the last 12 months.

Need help?

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

About your cover

We need to ask you a few questions about what you need from your cover. Don't worry - you can always change these answers after you've seen your results.

You need to choose an amount that reflects the financial needs of you and your dependents. Also, bear in mind that you need to choose an amount that is comfortably within your budget.

There are two really important points to consider:

  • Your mortgage balance (if you have one).
  • How much you'd like to leave as a lump sum for your family.

So, you need to think about how much you'd need to clear your mortgage balance, and how much your family would need to cover outgoings if you were no longer around.

If you need help working this out - please use our cover calculator.

Need help?

You need to choose an amount that reflects the financial needs of you and your dependents. Also, bear in mind that you need to choose an amount that is comfortably within your budget.

There are two really important points to consider:

  • Your mortgage balance (if you have one).
  • How much you'd like to leave as a lump sum for your family.

So, you need to think about how much you'd need to clear your mortgage balance, and how much your family would need to cover outgoings if you were no longer around.

Please select a cover amount between £10,000 and £10,000,000

We can help you work out how much cover you feel you need.

Cover calculator

You need to choose a policy 'term' – the number of years you will be protected by the policy. This should align with your financial obligations and needs. Note that most insurance companies will only quote for terms that end before you reach 70.

This is the number of years you will be protected by the policy.

Need help?

You need to choose a policy 'term' – the number of years you will be protected by the policy. This should align with your financial obligations and needs. Note that most insurance companies will only quote for terms that end before you reach 70.

Please enter a term between 5 years and 40 years

Please select either Level or Decreasing cover

Level term policies pay out a fixed amount no matter when you claim during the policy term.

Decreasing term policies reduce the amount that's paid out over time. They are typically taken out to cover a repayment mortgage.

Please select whether Critical Illness cover is required

Critical illness cover is designed to pay out a lump sum if you get a serious illness or suffer traumatic life-changing injury. The illnesses covered vary from one insurer to the next, but cancer, stroke, heart attack and multiple sclerosis will be included.

This cover isn't built into your life insurance policy. Life insurance is intended to pay out when you die, or if you're diagnosed with a terminal illness where you're likely to die in the near future (usually within 12 months). Critical illness cover covers you for serious illnesses from which you may recover.

Critical illness cover is designed to pay out a lump sum if you get a serious illness such as cancer, stroke, heart attack or multiple sclerosis. It's worth noting that this cover is separate and doesn't come as part of a life insurance policy.

Need help?

Critical illness cover is designed to pay out a lump sum if you get a serious illness or suffer traumatic life-changing injury. The illnesses covered vary from one insurer to the next, but cancer, stroke, heart attack and multiple sclerosis will be included.

This cover isn't built into your life insurance policy. Life insurance is intended to pay out when you die, or if you're diagnosed with a terminal illness where you're likely to die in the near future (usually within 12 months). Critical illness cover covers you for serious illnesses from which you may recover.

Please select your Critical Illness cover amount

Life insurance is intended to pay out when you die, or if you're diagnosed with a terminal illness where you're likely to die in the near future (usually within 12 months).

Critical illness cover covers you for serious illnesses from which you may recover.

Don't worry too much about this. You can adjust the amount after seeing your results based on what you can afford.

Things to consider if you became critically ill:

  • Do you have any debts or savings?
  • Do your employee benefits offer any cover?
  • Would you receive any financial help from your family?

It's worth remembering that if you fall critically ill, you might not be able to earn income, and your monthly outgoings could also increase.

Need help?

Life insurance is intended to pay out when you die, or if you're diagnosed with a terminal illness where you're likely to die in the near future (usually within 12 months).

Critical illness cover covers you for serious illnesses from which you may recover.

Please select either Additional or Combined cover

What does this mean?

An additional policy is made up of two parts: a life insurance policy and a separate critical illness policy. It has the potential, therefore, to pay out twice. If you claim for critical illness, your life policy will stay in place.

A combined policy means your life cover and critical illness cover come together in one policy. This means the policy will pay out in the event of being diagnosed with a specified critical illness or in the event of terminal illness.

You will get quotes for

  • Life Insurance policies with combined Critical Illness Cover
  • decreasing cover amount for both Life Insurance and Critical Illness

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