Life Insurance.

Life Insurance.

Affordable, easy-to-compare life insurance quotes tailored to your needs.
Get Quote

Is Life Insurance Right for You?

If you have dependents, it's probably right for you. Anyone who provides for a family or loved one, be it raising children, paying the mortgage, assisting an elderly parent, or caring for a disabled family member, can benefit from life insurance. If you want to make sure your family is provided for after you’re gone, insuring your life is a must.

Get Started

Types of Life Insurance

img

Life Cover

Covering your life makes sure that money is not a burden for your loved ones after you're gone.

img

Critical Illness Cover

Critical Illness Cover pays your loved ones a lump-sum in the event of you becoming seriously ill and can no longer work.

img

Income Protection Insurance

Income Protection Insurance makes sure that you still have an income if something happens to you.

img
img
img
img

Further Reading...

What is Life Insurance?

Essentially, it's an insurance policy that provides your family or designated beneficiary a sum of money in the event of your death. In exchange, you pay a monthly payment (premium) in order to insure yourself. This provides you peace of mind that your family will not have to worry about finances after you’re gone.

How much does it generally cost?

Overall, insurance can be a great value if you find the right plan. Premiums will vary greatly by plan and provider and depend on both what you’re looking for and your own age, lifestyle, and health. Many times, however, it can cost as little as a few pence per day to insure yourself (and sometimes, you even get a free gift). Of course, the worse your health the more pricey it can get - so do make sure to compare the UKs best life insurance companies and quotes.

How much coverage can you get?

This will also vary greatly by plan and provider. Policies can be as low as £10,000 or well over £1 million. Generally speaking, the higher your premium, the more coverage you will have.

Does life insurance cover severe injury or illness?

No. Most policies do not cover injury or disability, even if the insured can no longer work. It typically does not cover illness either, and it’s difficult to get coverage if you have serious pre-existing conditions.

However, some policies will pay out in the case of certain terminal illnesses.

What are some exclusions that will stop a policy paying out?

Most providers will include exclusions in their policies to mitigate risk. These are certain circumstances under which the insurance plan will not pay out to your beneficiaries. They vary by plan but usually include suicide, war, fraud, illegal activity, and drug use.

Is my family paid in instalments or a lump-sum?

Can I get life insurance quotes for seniors over 75?

Yes, there are plenty of policies that will cover you if you are over 75. With over 70s life insurance, it’s guaranteed you won’t have to undergo a medical exam when you get a quote, you’ll just have to provide details of your health and lifestyle. You are usually eligible for these policies between the ages 70 and 80/85, depending on the cover you choose.

Life insurance for seniors over 75 are lifelong policies and are paid for in monthly payments. Then when the time comes, the policy will pay a cash lump sum to your loved ones, and often include some form of coverage for your pet, to ensure they are looked after once you’ve passed away.

Can I take out life insurance for my elderly parents:

Yes, there are many life insurance policies available for older parents. Whether they have a pre-existing condition or not, they won’t have to submit a medical exam to apply. If you go to the right place, they can be a great way to help cover funeral costs or allow them to leave a financial gift to a loved one when they pass.

Will my coverage also pay for funeral costs?

This depends. Unless you've specifically requested it as part of your policy, then the funds won't be initially available to your loved ones. This is due to payouts being delayed by questions about the cause of death, and other times insurance providers are too slow to send payments before a funeral is organised.

Policy jargon buster

You're likely to encounter these three terms when getting a life insurance policy, so here's a helpful summary of what they mean:

  • The Policyholder: The person who owns the policy. This person is responsible for paying the policy premiums. They are also the only party who can access the cash value of the policy or make changes to it. The only way someone else can make decisions about the policy is if they obtain power of attorney over the policyholder.
  • The Insured: The person whose life is insured. It is possible (and quite common) for the policyholder to be the insured.
  • The Beneficiary: The person to whom the death benefit pays out when the insured person dies. The policyholder can also be the beneficiary, and there can be many named beneficiaries on one policy.

Can you get life insurance with no questions asked / anonymously?

No, life insurance policies can never really be anonymous. All life insurance providers will eventually need to know your medical history and contact information, both to make you an offer in the first place, and to eventually pay out to your loved ones when the time comes. Some providers will require less information than others, but more often than not you’ll have speak with a broker on the phone at some point, as the policy they offer to you will be entirely dependent on your personal circumstances.

You can, however, get a quote with minimal/no questions asked (although not completely anonymously). Some insurers will offer you a quote irrespective of your personal information and medical history, to give you an estimated cost. But it is impossible for this to be an accurate quote. Once it comes to actually applying you’ll then be asked to supply your medical and lifestyle information, which can drastically change the price you were initially quoted.

We understand that you want to keep your personal information to yourself, which is why Pure Cover asks for the least information possible on our form. This enables our brokers to call you immediately to get you the fastest and most accurate quote possible.

Where can I compare cheap life insurance quotes?

Right here, that's our job. We negotiate deals, compare brokers and generally facilitate the buying process for consumers all over the UK. Comparing your quotes and finding the best life insurer will massively help you improve your premiums overall cost.

How can I get covered now?

This one's easy! Click the button below to get yourself a free insurance quote.

Frequently Asked Questions