♥ Life insurance

Compare quotes from big brands
with Confused.com

A family photo with grandparents, parents and children
Protect your small people, or other humans you love.

Getting started

Decide on the type of life insurance you need

    Life insurance

  • Pays out if you die during the policy term 
  • Age range: 18-82 years
  • Maximum term: 40 years
  • Minimum term: 5 years

  • Over 50s life insurance

  • Pays out when you die
  • Age range: 50 – 80
  • No defined term

Find out more about the different types of life insurance

Information displayed is for guidance only and it may vary from provider to provider, so always check the policy documents.

    Mortgage life insurance

  • Pays out if you die during the policy term, amount of cover decreases over the term
  • Age range: 18-79 years
  • Maximum term: 40 years
  • Minimum term: 5 years

  • Critical illness cover 

  • Pays out on diagnosis, during the policy term 
  • Age range: 18-74
  • Maximum term: 40 years
  • Minimum term: 5 years

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.

Decide on how much cover 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.

Get a quote online

At Confused.com 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. Before you get a quote you'll need to think about:

  • What type of policy you want
  • How much cover you need
  • The length of the policy term

Getting a quote

This takes about 3 minutes to complete. Depending on the answers you give, you may be able to buy cover immediately from Admiral and Aviva without having to complete an application. The option to "buy now" is not available on any other comparison site.

We compare up to 12 trusted UK insurance providers and show Defaqto star ratings next to each insurer. You'll also get a tailored quote with an indication of how your application will be treated.

Completing a life insurance application

This 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

Your application will be processed by our partner Direct Life & Pension Services Ltd. You'll be assigned a dedicated and trusted case handler who'll liaise directly with your chosen insurer, keep you updated on the progress of your application and advise you on acceptance.

If you're still doing your research, take a look at our guides and FAQs.

What is life insurance?

A life insurance policy pays out a lump sum to your loved ones if you pass away. If you have children or other people relying on you financially, it is important to think about their future and how they would cope financially should you pass away. A life insurance policy gives you peace of mind that your loved ones will be financially protected.

A life insurance pay out could be used to: 

  • Pay off the mortgage after you pass away
  • Pay for funeral expenses
  • Replace an income
  • Leave a nest egg for your loved ones, helping them maintain their current standard of living and pay for the cost of childcare and education

Types of life insurance

There are several options available to you when it comes to a policy:

Level term
The amount you are covered for is fixed when you start paying your premiums and it stays the same throughout the term. A guaranteed lump sum will be paid if you die during the policy term.

Decreasing term (also known as mortgage life insurance)
With these policies, the level of cover reduces over the length of the policy, similar to and often in line with the way a repayment mortgage decreases. Decreasing term is commonly used to cover the outstanding balance of a standard repayment mortgage.

Critical illness cover
Provides you with a lump sum if you are diagnosed with a defined critical illness such as some types of cancer or a stroke, during the policy term.

Joint life
A joint policy can cover you and another person, paying out only once following a claim and then ending. A joint policy can be cheaper than taking out two single policies but it’s worth running quotes for both to see what best meets your needs.

Terminal illness cover
Policies that provide this type of cover may pay out before death if the policy holder becomes terminally ill.

Jargon buster

  • Estate

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

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

    How long the policy lasts for i.e. 5-40 years.
  • No Medical

    This often refers to not needing a medical examination when you take out a life insurance policy, usually for the over 50s.
  • Guaranteed premium

    These premiums are fixed and guaranteed not to change during the policy term, unless you alter the cover.
  • Premium

    Your premium is the amount you agree to pay a life insurance provider on a regular basis, in return for cover.
  • Waiver of premium

    In the event that you are unable to work through ill health; payments will be made on your behalf until the end of your policy term, a specified age or until you are able to return to work. This is often offered as an additional extra.

Need help with life insurance?

Take a look at some of our guides and tools to find out more

How much life insurance you need can be confusing, so we've created this handy life insurance calculator tool to help you decide how much cover you need.

read more
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.