Types of term life cover
Compare 20 kinds of UK life cover side by side: level, decreasing, joint, mortgage, family income benefit, over-50s and more.
Types of cover
- Term life insurance — Compare term life insurance from 10+ leading UK insurers. Level or decreasing cover, a free cover estimator and an FCA-regulated specialist. Get my quote.
- Level term life insurance — Level term life insurance pays a fixed lump sum for a set term. See who it suits, estimate your cover and compare 10+ leading UK insurers. Get my quote.
- Decreasing term life insurance — Decreasing term life insurance tracks a repayment mortgage and usually costs less. See who it suits and compare 10+ leading UK insurers. Get my quote.
- Increasing term life insurance — Increasing term life insurance rises each year to help beat inflation. See how premiums change and compare 10+ leading UK insurers. Get my quote.
- Joint life insurance — Joint life insurance vs two single policies: how first-death payouts, separation and trusts work. Compare 10+ leading UK insurers. Get my quote.
- Mortgage life insurance — Protect your home with mortgage life insurance. Decreasing or level cover, joint or single, what lenders ask. Compare 10+ leading UK insurers.
- Family income benefit — Family income benefit pays a monthly income instead of a lump sum, often at lower cost. See who it suits and compare 10+ leading UK insurers.
- Life insurance with critical illness cover — Life insurance with critical illness cover: combined vs standalone, what's covered and how claims work. Compare 10+ leading UK insurers.
- Over 50s life insurance — Over 50s life insurance explained honestly: guaranteed acceptance, waiting periods, paying in more than the payout, and term cover from 10+ UK insurers.
- Life insurance in trust — Put life insurance in trust for faster payouts and possible Inheritance Tax savings. Trust types, trustees and 10+ leading UK insurers compared.
- Relevant life policy — A relevant life policy lets your limited company pay for director or employee life cover tax-efficiently. Eligibility, tax points and 10+ insurers.
- Life insurance calculator — Free life insurance calculator: estimate how much cover your family needs, with the formula shown in full. Then compare 10+ leading UK insurers.
- Compare term life insurance — Compare life insurance from 10+ leading UK insurers: level, decreasing, joint and family income cover side by side, and what matters beyond price.
Cover for your situation
- Parents and families — Life insurance for parents: size cover around income, childcare and the mortgage, cover both parents and use a trust. 10+ UK insurers compared.
- Couples and partners — Life insurance for couples, married or not: joint vs two single policies, protecting a shared home and making sure your partner gets the payout.
- Self-employed and directors — Self-employed life insurance with no death-in-service: size cover on variable income and compare 10+ leading UK insurers. Directors covered too.
- Smokers and vapers — Life insurance for smokers and vapers: how insurers treat nicotine, why honesty protects a claim, and what changes if you quit. 10+ UK insurers.
- Medical conditions — Life insurance with a health condition: how insurers assess it, possible outcomes and why disclosure matters. A specialist compares 10+ UK insurers.
- People with diabetes — Life insurance for type 1 and type 2 diabetics: what insurers ask, HbA1c and possible outcomes. A specialist compares 10+ leading UK insurers.
- People in their 40s and 50s — Life insurance in your 40s and 50s: size and time cover, review old policies, weigh work cover and compare term vs over-50s plans from 10+ insurers.