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Life insurance
Protect your small people, or other humans you love.

Need help with life insurance?

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

Video guides

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

Jargon buster

  • 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.
  • Decreasing term

    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.
  • 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.
  • Guaranteed premium

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

    These policies can cover you and another person, paying out only once following a claim and then ending.
  • Term

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

  • Level term assurance

    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.
  • Premium

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

    Policies that provide this type of cover may pay out upon diagnosis of a terminal illness.
  • 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.

Why buy life insurance through Confused.com?

When you apply for life insurance through us, 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 FAQ’s, which can help you understand how a life policy works – you can even check out our handy life insurance calculator for an idea of how much cover you need.

When you search for life cover with Confused.com, we can help you:

  • Compare up to 12 trusted UK insurance providers
  • See independent star ratings from Defaqto
  • Get a tailored quote and an indication of how your application will be treated
  • You may be able to access a “buy now” product from Admiral and Aviva. With a “buy now” product you can purchase cover immediately, this is not available on any other comparison site

Getting started

Decide on the type of life insurance you need

    Life insurance

  • Pays out if you die during the policy term 
  • Age range: 16-82 years
  • Maximum term: 40 years
  • Minimum term: 5 years

  • Over 50s life insurance

  • Pays out when you die
  • Age range: 50-75 years
  • Maximum term: No defined term
  • Minimum term: 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: 16-79 years
  • Maximum term: 40 years
  • Minimum term: 5 years

  • Critical illness cover 

  • Pays out on diagnosis, during the policy term 
  • Age range: 16-74
  • 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 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

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
17 Life insurance reviews

Very easy process, clearly showed the options available and helped choose the best cover for our needs.

Liz Baylis

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

Confused.com Life insurance calculator

How much life cover do you need? Try our calculator

Our handy calculator gives you a guide to the total amount of cover you should consider.

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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.