Author:Jonathan Harvey

Read:13 mins

Life Insurance Policies… Compared!

Compare life insurance to find the best deal

Compare life insurance and find the best policy for you.

Life insurance is necessary for anyone who wants to make sure their family is protected in the event of the loss. But how do you know you’re getting your money’s worth? How do you know who is the best life insurer? We do the research for you, and you get a detailed life insurance policy comparison to help you decide the best way to cover your family.

The best way to get cheap life insurance is to shop around for the best deal. We feature all of the top life insurance companies here at Pure Cover. Get a life insurance quote from an insurance provider found here.

What Kind of Life Cover is Right For Me?

In order to compare insurance plans, you’ll have to decide what kind of policy is right for you. First, you’ll want to understand the difference between different life protection plans, and then decide between term and whole type of insurance. After that, you’ll need to choose between an insurance policy just for you, joint insurance for you and a spouse, family coverage for the entire immediate family, and children’s cover for your kids . There is also a range of add-ons and additional coverages that you can include in your policy to better suit your needs. All of this should be taken into account when trying to compare life cover quotes.

Compare Life Insurance Providers

Aviva, Zurich, Legal & General, Vitality Life, Royal London, AIG, Liverpool Victoria (LV), Tesco, Prudential, Beagle Street are some of the most popular providers of life insurance policies that offer a variety of policies to meet different needs.

  • Aviva offers a number of life insurance products for different stages of life, as well as offering a range of options for those who are in difficult financial situations who may be unable to pay the full premiums. Their cover also provides family income protection if the primary earner is unable to work.
  • As a leading life insurance provider, Zurich is dedicated to easing end-of-life expenses and providing significant lump-sum payments in the unfortunate event of death. But their commitment doesn’t stop there – they also provide a protective shield against serious medical conditions, always focusing on helping you navigate your financial journey with confidence.
  • Legal & General offers Guaranteed protection policies (GPPs) These policies are designed to ensure a fixed sum is paid out on the policyholder’s death, and payments are not affected by changes in your health or lifestyle.
  • Vitality Life provides some of the most comprehensive life insurance policies. They also offer an additional range of benefits such as a tax-free cash lump sum and regular income payments.
  • Royal London provides a range of life insurance products that are designed to fit each individual’s lifestyle and personal circumstances. They offer a range of cover, including joint life policies, critical illness and terminal illness covers.
  • AIG Life provides life cover which is designed to pay out a lump sum in the event of the policyholder’s death, as well as providing for the payment of premiums should you become too ill to work.
  • Liverpool Victoria (LV) offers life insurance policies that are tailored to each individual and are designed to suit the customer’s specific circumstances. An online tool is also available to help customers compare policies and work out which level of cover would be the most cost-effective.
  • Tesco has some of the most affordable premiums in the market, they turn the daunting task of getting life insurance into a breeze. Plus, they’ve got extra protection up their sleeve for young folks and those transitioning in or out of the workforce. Now, isn’t that a comforting thought?
  • Prudential’s offers a big range of life insurance policies. No matter the cause, in the unfortunate event of the policyholder’s demise, a lump sum payment is assured, adding a layer of financial security.
  • Beagle Street provides life insurance policies which are designed to give basic protection for those who cannot afford to take out more comprehensive cover. This life insurance can also be tailored to meet the customer’s individual needs, such as providing cover for critical illness and terminal illness.

Every provider offers something different and finding the provider and policy that best fits the needs of your family can be time consuming and exhausting. So how do you know who is the best life cover provider?

Here at Pure Cover we provide a one-stop-shop for all of your life insurance comparison needs, helping you compare life insurance types and insurance providers all in one place, outlining differences in policies and comparing insurance offers from various insurance companies. Our team of independent experts partner with a range of providers to help you compare life insurance quotes based on the cost and coverage provided across a wide variety of plans. As a third-party website, you can rest easy knowing that our research and life insurance comparison is done in your best interests rather than theirs.

Compare Term Life Insurance

Consider term life insurance as your financial knight in shining armour, ready to protect your family when times get tough. Its mission? To offer a cost-effective, straightforward plan that ensures your loved ones are financially guarded for a specific period, should you pass away. And the cherry on top? The death benefit stays the same throughout the policy’s lifespan.

Imagine a safety net, catching your family during life’s most challenging periods – that’s term life insurance for you. Whether it’s shielding your family’s finances from the potential financial storm your death could bring, or taking care of lingering debts and funeral costs, term life insurance has got you covered. And for those thinking ahead, it even serves as a handy estate planning tool, passing on the death benefit to your beneficiaries when you’re no longer around.

Compare Critical Illness Cover

Imagine a safety net that catches you during one of life’s toughest moments – a serious medical diagnosis. That’s what critical illness cover is. This type of life insurance policy provides a lump sum to help manage immediate costs like travel, accommodation and treatments, as well as compensating for lost income if you’re unable to work. It also offers peace of mind, knowing you can still meet your financial obligations like loans or mortgages during an extended absence from work.

But what exactly does critical illness cover do? It’s a life insurance policy crafted to offer you and your family financial protection when you need it most. It covers a wide range of serious illnesses, including heart attacks, strokes, multiple sclerosis and specific types of cancer, while also preparing for the possibility of other terminal illnesses. The specifics of what conditions and illnesses are covered will be clearly outlined in the policy terms and conditions. This gives you the security to focus on recovery, knowing that your financial needs are taken care of.

Compare Life Assurance

Life assurance is an important form of personal insurance. Similar to a life insurance policy, it is designed to provide financial protection for your family and loved ones should the worst happen. It can provide a lump sum of money that could help to financially protect your family. It is designed to ensure that your loved ones are provided for in the event of your death, so that you can have peace of mind that they will be taken care of financially.

Get a life assurance quote today by comparing the insurance companies on this page and selecting the one with the best life insurance cost for you.

Compare Decreasing Term Life Insurance

Decreasing term life insurance is a type of insurance which offers a death benefit which reduces annually over the term of the policy. Most policies are taken out over a period of 25 years, with the policy payout reducing each year until it reaches zero at the end of the term.

Decreasing term life insurance is generally cheaper than regular term life insurance and can be ideal for those who owe a decreasing debt such as a mortgage, as the payout amounts correspond with the outstanding debt levels.

Compare Life Insurance Cover

Life insurance cover is a proactive step you can take today to protect your family from future financial hardship. Whether it’s settling mortgage debts or funding a dignified send-off, a lump-sum payout from your life insurance plan can provide that much-needed stability.

But there’s more! Some life insurance covers even extend their scope to include critical illness coverage. This means if life throws a curveball and you become critically ill, your policy can trigger a payout. With a plethora of life insurance policies out there, it’s crucial to explore and find the one that aligns with your lifestyle and budget.

Compare 50s Life Insurance

50s life insurance is an increasingly popular and important product. With more and more older people in the population, it is essential to find a way to protect yourself, your family and your possessions in later life. Many providers offer a range of products to meet the specific needs of the over 50s, such as income protection, home insurance and travel packages. The monthly payment can be tailored to suit individual needs and budgets, providing peace of mind and helping you plan for a financially secure future.

Compare Income Protection Insurance

Income protection insurance is a type of insurance that helps cover regular income lost due to long-term sickness or disability. This type of insurance is designed to provide financial protection should you become unable to work due to illness, injury or disability.

Income protection insurance can be a prudent purchase for those who have an unreliable source of income or who rely on their salary to make ends meet. For workers who are self-employed or freelance, it can provide a vital source of income in case of a prolonged absence. It can also provide peace of mind should illness or disability prevent you from working for an extended period of time. Income protection insurance can help pay your essential bills, mortgage payments and other borrowing commitments, so your dependents’ day-to-day living expenses are covered.

Compare Mortgage Protection Insurance

Mortgage protection insurance, or MPI, is an insurance policy which is taken out by homeowners to protect their mortgage should they suffer from sickness or disability, lose their job or die. Championed by the Financial Conduct Authority (FCA), MPI is designed to pay the remaining mortgage balance so that the family of the borrower or the lender are not left with financial hardship.

The main types of mortgage protection insurance available include unemployment cover, life cover, and accident, sickness and disability cover. Each one of these covers offer different levels of protection in certain circumstances. Typically, with unemployment cover, the policy will pay the mortgage for a certain period of time should the policyholder become unemployed.

Life cover will pay out the outstanding balance of the mortgage should the policyholder die. Lastly, accident, sickness and disability cover will pay the remaining balance of the mortgage if the policyholder suffers from disability or sickness and is unable to work.

Pre Existing Medical Condition

When applying for insurance, it is important to inform the insurer about any pre-existing medical conditions. A pre-existing medical condition is any illness or medical issues for which you have received medical advice, diagnosis or treatment, or that you are aware of, prior to the commencement date of the insurance policy.

Pre-existing conditions must be declared as failure to do so could invalidate the insurance cover. All policies will have different rules covering pre-existing conditions, so it is important to read any small print in the policy and, if in doubt, ask your insurer for clarification.

Compare Term Insurance

Term Insurance is a type of life insurance policy which provides financial protection for a fixed or predetermined period of time. It is designed to provide financial protection for your family or loved ones in the event of your death. It pays out a lump sum if you die within the term of the policy, enabling them to maintain their lifestyle after you are gone. It is a very cost-effective way of providing life insurance cover, meaning that it can be a lot cheaper than permanent life insurance options.

Insurance Provider Safety

The Financial Conduct Authority (FCA), the watchful guardian of the UK’s financial services firms, meticulously overseeing their operations. Not far behind, you’ll find the Prudential Regulation Authority (PRA), another UK regulatory heavyweight. Their prime mission? To ensure the sturdiness, reliability, and resilience of firms navigating through the complex currents of the UK financial sector.

Financial Conduct Authority

A vigilant watchdog, meticulously ensuring that the UK’s financial services firms play by the rules. That’s the role of the Financial Conduct Authority. They set the standards, monitor risks and trends, and flex their enforcement muscles when firms step out of line.

But their responsibility doesn’t end there. If they sense that a firm’s actions may jeopardise the public, they’re empowered to issue consumer warnings or take action. They’re not just overseers, they’re protectors – ensuring that your financial future is in safe, reliable hands.

Prudential Regulation Authority

The Prudential Regulation Authority oversees the prudential performance of firms, and sets risk-based standards for such firms to ensure their financial stability. It also has the power to take enforcement action against firms that fall below these standards. In addition, the PRA monitors market developments and emerging risks to financial institutions, and takes appropriate action when needed.

How Much Does It Cost?

The cost of an insurance policy will depend on the provider as well as your coverage needs. Various insurance providers including Legal & General offer policies that can start at rates as low as £6 for very basic coverage, but many families find that this is not enough to protect their loved ones. Read our life products comparisons of various life insurers to understand the differences in covers, and choose the life protection quote that is tailored to your needs.

The best way to find out exactly how much different plans & providers will cost and compare life insurance quotes is to use our life insurance calculator. Once you’ve received your instant estimate, you can fill out an application, and we will work with a wide range of best brokers to find a policy that fits your exact needs, doing the life insurance policy comparison for you.

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Jonathan Harvey is a distinguished expert with over twenty years' experience in the UK's life, health, and funeral insurance sectors. A Cambridge graduate and Fellow of the Chartered Insurance Institute, Jonathan has a proven track record in designing innovative insurance policies, and a strong reputation for making complex insurance matters comprehensible for the public. Known for his empathetic approach, he has helped thousands make informed decisions on their future security. Regularly contributing to leading publications and hosting educational workshops, Jonathan's commitment to client service and public education truly sets him apart in the insurance industry.

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