Life insurance

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Why do you need life insurance?

A life insurance policy pays out a lump sum to your loved ones if you die. If you have children or other people relying on you financially, it's important to think about their future and how they'd cope financially if you weren't around.

A life insurance pay out could be used by your loved ones to:

Deciding what type of life insurance you need

What type of life insurance you choose depends on what best fits your needs. The two most common types of life insurance policies are level term and decreasing term.

Other things to consider:

Once you've decided which type of cover you'd like, it might be worth putting the policy into trust.

Looking for over 50s life insurance? It's a whole of life insurance policy available to UK residents aged 50 to 80. There is no medical required and acceptance is guaranteed. Pay outs from an over 50s policy could be used to cover funeral costs, household bills or leave a financial gift to loved ones.

Find out more about the different types of life insurance.

Deciding how much cover you need

You can work out the amount of cover you need by totalling up your financial commitments like:

You should also consider how much your family would still need if you were to die. For example for home living, child care or education costs.

Need some help? Use our life insurance calculator to help estimate what could be the right amount for you.

Buying life insurance through

At we ask more questions upfront so we can tailor your life insurance quote. This enables us to give you an indication of how the insurer will treat your application. Depending on the answers you give, you may be able to buy cover immediately without completing an application. The option to "buy now" is not available on any other comparison site.

Get a quote online Read our life insurance guide

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