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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 results

Welcome, let's get your Life Insurance sorted out

We want everything to go smoothly, so please make sure all your answers are complete and accurate!

It might seem like we're asking quite a few questions, but 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.

We've filled in your questions with the info you've already given to us, but you can always make changes if you need to.

About you

Please select your title

What's your title?
What's your title?

Please enter your first name

Please enter your last name

Please select your gender

Are you: Expand more information about gender Collapse more information about gender

This information will not impact your individual insurance pricing. We also appreciate that some people may not identify with a binary gender. In this case, please refer to your sex/gender as outlined on your birth certificate or gender recognition certificate. We are working hard to review this requirement, and thank you for your understanding.

Need help?

This information will not impact your individual insurance pricing. We also appreciate that some people may not identify with a binary gender. In this case, please refer to your sex/gender as outlined on your birth certificate or gender recognition certificate. We are working hard to review this requirement, and thank you for your understanding.

Please select your marital status

What's your marital status?
What's your marital status?
What's your date of birth? Expand more information about date of birth Collapse more information about date of birth

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.

Over 50 years?

We have another service for people in your age.
Would you like to get a quote there instead?

Get an over 50s life insurance quote
What's your date of birth?
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What's your postcode?

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We work with LifeSearch, award-winning independent life insurance experts who offer free advice over the phone. If you fill in your phone number, LifeSearch will ring you to talk about your life insurance quote.

Please enter a valid phone number

We'll send you an email with a summary of your personal quotes and details of how to claim your gift card (if you purchase a policy).

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

Are you a smoker? Expand more information about smoking Collapse more information about smoking

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.

Are you a smoker?

Second applicant

Please select whether this cover is just for you

Do you want to add a second applicant? Expand more information about adding a second applicant Collapse more information about adding a second applicant

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.

Do you want to add a second applicant?

To speed things up, here are the members of your family and friends list, which you can manage in your profile. If the person you want to add isn't there, choose 'Someone else'.

Please select the second applicant's title

What's the second applicant's title?
What's 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

Are you: Expand more information about gender Collapse more information about gender

This information will not impact your individual insurance pricing. We also appreciate that some people may not identify with a binary gender. In this case, please refer to your sex/gender as outlined on your birth certificate or gender recognition certificate. We are working hard to review this requirement, and thank you for your understanding.

Need help?

This information will not impact your individual insurance pricing. We also appreciate that some people may not identify with a binary gender. In this case, please refer to your sex/gender as outlined on your birth certificate or gender recognition certificate. We are working hard to review this requirement, and thank you for your understanding.

Are you:

Please select the second applicant's marital status

What's the second applicant's marital status?
What's the second applicant's marital status?
What's the second applicant's date of birth? Expand more information about date of birth Collapse more information about date of birth

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.

Over 50 years?

We have another service for people in your age.
Would you like to get a quote there instead?

Get an over 50s life insurance quote
What's the second applicant's date of birth?
/ /

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

Is the second applicant a smoker? Expand more information about smoking Collapse more information about smoking

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.

Is the second applicant a smoker?

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.

Expand more information about choosing a cover amount Collapse more information about choosing a cover amount

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

Expand more information about the length of your policy Collapse more information about the length of your policy

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.

Over 50 years?

We have another service for users over 50 looking for a longer term period.
Would you like to get a quote there instead?

Get an over 50s life insurance quote

Please enter a term between 5 years and 40 years

Please select either Level or Decreasing cover

What type of cover do you need?

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.

What type of cover do you need?

Please select whether Critical Illness cover is required

Expand more information about critical illness cover Collapse more information about critical illness cover

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 whether Critical Illness cover is required

Please select your Critical Illness cover amount

Expand more information about your critical illness cover amount Collapse more information about 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 your Critical Illness cover amount

Please provide your consent by selecting the checkbox