LifeSearch life insurance cover: Everything you need to know
Looking to find out more about LifeSearch? In this guide, we share everything you need to know about one of the UK's leading and biggest life insurance brokers.
Key takeaways
LifeSearch is one of the UK's leading life insurance brokers, offering free access to services like
LifeSearch is rated 4.9 out of 5 stars on Trustpilot review site Trustpilot in 2024. They also ranked in the top three of the Sunday Times list of Top 100 Companies to work for in 2019
They offer Life Insurance, Income Protection, Critical Illness Cover, Mortgage Protection, Family Income Benefit, and Over 50’s Life Cover
LifeSearch supports you through the claims process: finding policy details, contacting the insurer, gathering documentation, submitting the claim, and receiving the payout
With so many options and life insurance providers to choose from, finding the right coverage for you and your family can seem overwhelming. That's where LifeSearch steps in, the UK's largest protection broker, renowned for their customer-first approach and extensive range of services.
Who is LifeSearch?
Established in 1998, LifeSearch is a UK-based life insurance broker that works with major insurers in the UK, including Aviva, Legal & General, and LV to offer protection products such as life insurance, critical illness cover, and income protection.
LifeSearch now has over insurance to over 1.8 million people and has an 'Excellent' 4.9 rating on Trustpilot and secured a spot in the top three of the Sunday Times list of Top 100 Companies to Work For in 2019.
What insurance does LifeSearch offer?
LifeSearch offers a variety of life insurance products to suit different needs:
Life insurance: Pays out a lump sum upon death
Income protection: Covers up to 70% of pre-tax pay if unable to work
Critical illness cover: Provides support for major health conditions
Mortgage protection: Protects against home repossession
Family income benefit: Offers a tax-free monthly income for the family
Over 50’s life cover: Guaranteed coverage for ages 50 to 80 without medical information
How does LifeSearch work?
LifeSearch offer life insurance guidance and help you find the best life insurance insurance policy based on your individual needs and budget. To get started, answer a few quick details and they'll be in touch and share the best options.
If you'd like to proceed, they'll help you purchase a policy. Your then covered until your policy term ends or you claim your cash sum.
How do I get a LifeSearch quote?
Here are more details on how to get a quote from LifeSearch:
Visit the LifeSearch website and fill out an online form with your personal information and details about your desired life insurance coverage.
To get a quote, LifeSearch will need some essential details:
Information about your health: Disclose details about your medical history, including any pre-existing conditions
Information about your lifestyle: Supply details of lifestyle habits, such as if you are a smoker and your drinking habits
Your partner’s details: For a joint life insurance policy, provide the same information about your partner
Based on the information given on your online form a LifeSearch advisor will call you to take you through some further questions and explain different policy features to help you choose the most suitable life insurance plan.
Based on your information and discussion, LifeSearch will generate a personalised quote and call you back to complete your life insurance purchase.
How to use LifeSearch
1. Provide your personal details
2. Consult with an advisor
3. Receive a quote and complete your application
Is LifeSearch free?
Yes, LifeSearch offers free advice via their contact number: 0800 197 3178. There is no obligation to buy a policy through them. However, if you choose to purchase a policy through LifeSearch, they do earn a commission, which is paid for by the insurance company they've recommended to you.
How do I make a claim with LifeSearch?
LifeSearch simplifies the claims process with a dedicated team to support you. The steps involve finding policy details, contacting the insurer, gathering necessary documentation, submitting the claim, and receiving the payout upon approval.
They guide you through the claims process by finding policy details, contacting the insurer, gathering documentation, submitting the claim, and receiving the payout.
Should I go through a broker for life insurance?
Using a broker for life insurance offers several benefits, including:
Brokers work with various insurance companies, giving you access to multiple policy options instead of just one. This allows for comparison shopping to find the best coverage at the right price for your budget.
Unlike insurance agents who work for a single company, brokers work for you. They are not tied to any specific provider and can recommend policies that best fit your needs.
Brokers assess your financial situation, health, and goals to recommend a policy that meets your unique needs. They can help tailor coverage amounts, term lengths, and riders to match your circumstances.
Since brokers compare policies from different companies, they can help you find competitive rates. They can also help you avoid overpaying for features you don’t need.
If you have health concerns or pre-existing conditions, a broker can guide you to insurers that are more lenient. They may know which companies are more likely to approve you at favourable rates.
Brokers help with paperwork, ensuring your application is accurate to avoid unnecessary delays or denials. They can also assist your beneficiaries in case of a claim.
If your needs change over time (e.g., marriage, children, or retirement), a broker can help adjust your policy accordingly.
Access to multiple insurers
Receive unbiased advice
Get tailored cover
Save money
Help with medical underwriting
Assistance with application & claims
Get ongoing support
Why choose LifeSearch?
Choosing LifeSearch for life insurance means benefiting from fee-free advice, quick online quotes, and access to a life insurance calculator. Their expertise and customer-first approach make them a trusted ally in securing your family's financial future.
Compare life insurance with MoneySuperMarket
MoneySuperMarket makes finding suitable life insurance a breeze. Users can input personal details and desired coverage to receive quotes from UK providers, compare by price and coverage level, and proceed directly to the provider to initiate coverage.