Critical illness cover
Pays out if you are diagnosed with a serious illness.
Life insurance
Find cheap life insurance.
Quotes from £2.74
Free shopping gift card
Get up to £400^ to spend on a variety of retailers when you buy life insurance through MoneySuperMarket.
Found the perfect policy to safeguard your family's future? Have an extra reward on us.
Gift cards start at £35 for life insurance policies with monthly premiums of £10 or less and go up to £400 for policies with monthly premiums over £90.
See our terms and conditions for more information.
Restrictions apply. One voucher per person. Not available to customers who previously received a voucher with a life insurance policy purchased after 1st May 2022. Offer end date 30th April 2026
What is life insurance?
Life insurance pays out money to your loved ones if you die while your policy is active.
There are many different types of life insurance, but all are designed to offer some protection against the financial impacts of a death, such as lost income, unpaid debts (including mortgages) and funeral costs.
Do I need life insurance?
It isn’t a legal requirement. But it may be worth considering if your death could cause financial difficulties for your loved ones. For example:
you have dependents (children or other family who rely on your income)
you have a mortgage or other debts
Life insurance is also an option if you want to ensure that your family:
will be financially comfortable after your death
won’t have to worry about funeral costs or other end-of-life expenses
Which type of life insurance should I get?
There are two main options for life insurance:
Family life insurance
Also called: Level-term insurance
Payout: Remains the same throughout your policy
Best for: Providing long-term financial security and support to your dependants.
Example: This type of policy could ensure that if you unexpectedly passed away you could still help your children with their house deposit or wedding when they grow up.
Advantages
Fixed premiums: How much you pay never changes
Fixed payout: You know exactly how much money your beneficiaries will receive
Disadvantages
Cost: Rarely the cheapest policy option
Not linked to inflation: Your payout will be worth less if the cost of living goes up
Mortgage life insurance
Also called: Decreasing-term insurance
Payout: Reduces in size over time
Best for: Covering large but shorter-term debts and expenses like mortgages.
Example: This type of policy could allow your loved ones to stay in their family home if you were no longer around to contribute to the mortgage payment.
Advantages
Price: These policies are usually the cheapest type of life insurance
Specific: They can be used when you only want protection while you hold a lot of debt
Disadvantages
Shorter-term protection: Payouts are highest when you first take out the policy
Not suitable for all mortgage types, including interest-only
Other types of life insurance and protection insurance
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Income protection
Pays out a percentage of your salary if you temporarily cannot work.
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Over 50s insurance
A whole of life policy offering guaranteed cover and payouts.
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Joint life insurance
Covers two people. Only pays out once, on the first death.
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Pre-existing conditions
For people who have already been diagnosed with an illness.
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Increasing term
Payout increases over time, generally in line with inflation.
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Whole of life cover
Also known as life assurance, pays out whenever you die, rather than being restricted to a term.
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Death-in-service
Some businesses will pay out if staff die while employed by them.
What do I need to get a life insurance quote?
To help you find the right life insurance cover, we just need a few minutes of your time and the following information to get you a personalised quote:
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Personal details
Such as your name, address, date of birth, and occupation
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Your health
Any pre-existing medical conditions and basic health information, such as height and weight.
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Lifestyle
For example, if you're a smoker or drinker, or engage in any activities that may be classed as dangerous
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Cover required
Including the type of life insurance you want, if you want to cover your spouse or partner, and how much you would like to pay
Reviewed on 3 Apr 2026
Using the 51st percentile of cheapest premiums quotes, based on single non smoker policyholder aged under 30, with £100,000 of cover over a 10 year term with a decreasing term. Quoted between March 2025 and March 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Shopping Gift Card value varies based on the first monthly premium of the policy and will be confirmed on the results page
