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Level term life insurance

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What is level term life insurance?

Level term life insurance means that the amount of cover you insure yourself for will stay fixed throughout the term of the policy, so whether you claim on day 100 or day 10,000 the amount the policy will pay out will be the same, ensuring your family is protected financially should the worst happen.

On the other end of the scale with decreasing term insurance, the amount that would be paid out in the event of a claim decreases as time goes by, similar to the way a mortgage does.

Just decide how much cover you need, whether you want to pay off your debts or allow your family to maintain their standard of living when you’re not around, then simply enter your details to compare life insurance quotes from leading trusted providers.

Things you'll need to know before applying

  • Be sure to have details to hand of anyone who will be on the policy, such as name, DOB, whether they're a smoker
  • How much you want to be insured for i.e. £100,000 etc.
  • How long you want the policy to run for i.e. how long your mortgage is, or a set amount of time

What if I want to secure my legacy?

If all your assets added together come to more than £325,000 (things like your home, car, investments etc), it's possible that inheritance tax may need to be paid on your estate. 

If you do not want the proceeds a life insurance claim to be included in the valuation of your estate, you may wish to consider placing your policy in trust. 

Policies in trust aren't included in the total value of your estate, so placing your policy in trust means that any payout from your life insurance policy isn't taken into consideration with the rest of your assets.

This would also mean that your beneficiaries (whoever you name to receive the money), shouldn't have to wait as long to be able to receive payment as it won't have to go through the probate process along with your other assets.

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Why term life insurance from

We’re not content to stop at offering just great deals – we also want to make your search for term life insurance as easy as possible. That’s why we present our quotes in a clear and impartial way displaying the results with the cheapest price at the top of the list, giving you our best price to help protect you and your family.  

  • Our online comparison is free to use
  • Clear and jargon-free  
  • Receive life insurance prices in minutes
  • A simple and clear form, not cluttered with unnecessary questions

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.