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♥ Life insurance

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Based on 17 customer reviews of from the last 12 months

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What does life insurance cover?

A payout from a life insurance policy could help cover the following:

A life insurance policy may also include terminal illness cover - this type of cover pays out if you are diagnosed with a terminal illness during the term of your policy. It's included as standard with many policies. To find out if it's included in your chosen policy, you should check the policy details. 

Why you might need it

There are a number of reasons you might want to take out a life policy. Here are some hypothetical examples to help you:

  • Jean and David bought an over 50s policy (sometimes known as whole of life insurance) so that when they pass away, their family won't have the burden of the funeral costs.  They also wanted to leave a little something extra for their grandchildren
  • Alan took out a life policy to provide a lump sum for his wife if he dies, he wants her to be able to maintain her standard of living when he's not around
  • Mark and Jennifer have just had their first child.  They wanted to make sure that if the worst happened, baby Sarah would have some financial security as she grows up
  • Stephen bought his first life policy to cover his mortgage.  He's just bought his first home and wanted to make sure that his family would be able to pay the mortgage debt if he died

Getting a life insurance quote

Before you get a quote you'll need to think about what type of policy you want, how much cover you need and the length of the policy term.

At we ask more questions upfront so we can tailor your life insurance quote. By doing this, we can give you an indication of how the insurer will treat your application. 

A quote takes about 2 minutes to complete. Depending on the answers you give, you may be able to buy cover immediately without having to complete an application. The option to "buy now" is not available on any other comparison site.

Completing a life insurance application takes about 15-20 minutes. Sometimes the insurer may require more information about the responses you gave in your application. This could relate to;

  • Previous medical problems and your family medical history
  • A dangerous career such as working at heights or jobs that require you to be in high-risk countries
  • A dangerous hobby such as sky diving, climbing or scuba diving 

Video guides

Here are some video guides to help you understand life insurance:

Types of life insurance

Heard about various types of cover but not sure what the differences are? Take a look at the table below for a breakdown of each policy type.

Policy type Pay out Maximum term Age range Minimum term

Life insurance

If you die during the policy term

40 years


5 years

Over 50s

When you die

No defined term


No defined term

Mortgage life insurance

When you die, decreasing over the policy term

40 years


5 years

Critical illness cover

On diagnosis, during the policy term

40 years


5 years

For more information on policy types, please see our guide.

Once you've decided which type of cover you'd like, it might be worth putting the policy into trust. There are many benefits to doing this, like ensuring the lump sum goes to who you want it to and potentially eliminating inheritance tax liabilities by taking the policy proceeds outside of your estate. 

How much cover do you need?

To work out the amount you need, you could total up your financial commitments and then consider how much your family would still need if you were to die.  If you have a mortgage, making sure that it's covered could be a good starting point when you're working out how much you need. Why not use our life insurance calculator to help estimate what could be the right amount for you.

Looking for a different kind of policy?

Over 50s life insurance

Over 50s life insurance

Guaranteed acceptance without a medical for ages 50-80

Critical illness insurance

Critical illness insurance

Get cover for many serious illnesses, including some types of cancer

See our other life policies

Life insurance questions

  • Do I need life insurance to get a mortgage?
    It's not a legal requirement to have life cover to accompany your mortgage, but it could be considered risky not to buy a policy to protect such a large debt.  If you die before your mortgage is paid off, the outstanding mortgage could be passed to whoever is listed on the mortgage with you (i.e. partner/spouse), otherwise the debt is likely to be added to your estate.
  • Do I need life cover if I have death in service benefit?
    If you have the death in service benefit through your job, you'll need to check to see how much it would pay out, in the event of a claim.  Typically companies offer around 3 times your salary, and with the average UK mortgage being around £150k, it might not provide enough cover.  If you change jobs, you could lose this benefit.  If you're a little older when this happens, it could be more expensive to take out a life policy.  By taking it out when you're younger it means you're more likely to be able to lock your policy in at a lower premium.
  • If I cancel my policy mid-term will I get my money back?
    No, it's not an investment product so has no cash value.
  • Will a medical condition affect my chance of being accepted?
    It could do, depending on the condition and the insurance company. If it's a serious condition, like a heart problem or cancer, then it could be more difficult to get insured and if you are accepted, you might have to pay a higher premium. Even if you do have a medical condition, it doesn't necessarily mean you won't be able to get cover. The only way to know is to complete a life insurance quote application.

Confused Life is arranged and administered by Direct Life & Pension Services Ltd, who are authorised and regulated by the Financial Conduct Authority. Registered office; Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Registered in England and Wales No 2467691.

Matt Lloyd, Head of life insurance

Matt Lloyd, Head of Life insurance

"Don't become a statistic. Avoid being one
of many Brits who haven't got cover in
place to protect their family should the unavoidable happen."

Jargon buster


This is a collection of all your assets, so your house, car, savings & investments etc.


A legally acknowledged arrangement to pass on your assets when you die.


How long the policy lasts for, i.e. 5-40 years.

Critical illness cover

A policy that can provide you with a lump sum if you were diagnosed with a defined critical illness such as cancer, stroke, heart attack.

grey avatar silhouette of person Forms were laid out well and organised. Easy to use and straightforward

Joel Spiegelhalter Aug 2014

grey avatar silhouette of person The service was excellent. Papers sent on time. And I got a quick response from the provider

Kareemulla Shaik Mohammed Jul 2014

grey avatar silhouette of person Excellent!

Jane Booth Jun 2014

grey avatar silhouette of person Very easy process, clearly showed the options available and helped choose the best cover for our needs.

Liz Baylis Aug 2014

grey avatar silhouette of person Very quick response and easy to set up

Sam Wilkes Jun 2014

grey avatar silhouette of person A straightforward no hassle experience. Very easy to find insurance to suit my budget.

Dean Westnutt May 2014

grey avatar silhouette of person After about 5 minutes I found the best quote from all of the comparison websites within The process was quick and easy to use, which was very helpful. Thanks

Helen Colbridge Mar 2014

grey avatar silhouette of person Easy to use, quick to set up. Help provided over the phone.

Emma Wood Nov 2013

grey avatar silhouette of person I love it. Great price and great cover. So affordable.

Lorna Gardner Nov 2013

grey avatar silhouette of person Quick access to quotes and a good deal.

Louise McCann Nov 2013

grey avatar silhouette of person was so easy to use and had lots of good quotes. I initially got a quote over the phone, the guy was very helpful and thorough, eventually booked it online, very happy.

Natalie Blythin Nov 2013

grey avatar silhouette of person I would recommend to my family and friends. I have saved £15 month on life insurance.

Alice Kelly Nov 2013

grey avatar silhouette of person Very easy to do and a quick response.

Elizabeth Woodward Nov 2013

grey avatar silhouette of person Very easy steps to follow.

Muhammad Khan Nov 2013

grey avatar silhouette of person A very quick and easy process with lots of options to choose from. I would definitely recommend.

Shahad Howe Nov 2013

grey avatar silhouette of person Very pleased with the results, had no life insurance for my husband after our mortgage finished, and I felt we got a very good deal.

Janet Glen Sep 2013

grey avatar silhouette of person Couldn't be easier, saved time and money. Love this site.

Lesley Lees Sep 2013

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