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Life insurance

Leave a cash lump sum to your loved ones in the event of your death and protect your family’s financial future.

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Over 50's life insurance

Guaranteed acceptance for UK residents aged between 50 and 80 with no medical required. Choose an Over 50’s policy to suit your budget and needs.

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Whole of life insurance

Whole of life insurance guarantees the pay out of a lump sum when the policyholder dies which can be used for Inheritance Tax Planning.

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Critical illness cover

Receive a cash lump sum if you are diagnosed with one of the specified critical illnesses in your policy, such as cancer, heart attack or stroke.

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Life insurance

Life insurance helps provide for your family’s future if you pass away. It pays out a lump sum which can be used to:

  • replace the loss of your income.
  • repay the mortgage on your home.
  • cover the cost of raising your children.
  • pay for school or university fees.
  • maintain your family’s lifestyle.

Why do I need life insurance?

Life insurance is one of the most popular insurances in the UK as it gives your family some financial security if you were to die unexpectedly.

Did you know that:

  • the average outstanding mortgage is £100,000?
  • the cost of raising a child to age 11 is £85,000?
  • families spend an average of £489 a week on housing costs, gas and electricity, transport, food and leisure?

It’s not a nice thought, but would your family be able to make ends meet if they lost your income?

What types of life insurance are available?

Fixed Term

A fixed term policy will pay out a fixed lump sum of money if you were to die during the term of the policy. The amount the policy will pay out stays the same during the lifetime of the policy. A fixed term policy may be used to support your dependents, pay for future spending such as university fees, or pay off outstanding debts.

Decreasing Term

A decreasing term policy will also pay out a lump sum of money if you die before a certain date. However the money paid out will reduce over the period of the policy. Many people use this policy to cover a repayment mortgage or until your children turn 18 years old.

Whole of life

A whole of life policy covers you for your entire lifetime. There is no fixed term for the policy so there will always be a pay-out from the insurer when you die. This also means you will continue to pay for it as long as the policy remains in place.

Critical illness cover

This cover can be added to your life insurance policy. It pays out a lump sum if you are diagnosed with a specific critical condition. The conditions covered vary from insurer to insurer but typically includes cancer, stroke, heart attack, liver failure and many other serious illnesses.

Single or joint cover

Couples often consider a joint life policy as it is usually cheaper than single cover. However, a joint policy will only pay out once which means that if one partner dies, the other is no longer insured. It is important to consider whether this option provides enough for your family, or if two separate policies would be better for your circumstances.

Compare life insurance with ActiveQuote

ActiveQuote is one of the leading comparison sites in the UK and we also partner Confused.com, Gocompare and uSwitch. Our online life insurance comparison allows you to compare quotes in under two minutes.

We compare life insurance quotes from the UK’s leading insurers. Our panel includes:

  • Ageas
  • Aviva
  • Bright Grey
  • Legal & General
  • LV=
  • Scottish Provident
  • VitalityLife
  • Zurich

A 'Top 3' life insurance broker as rated by customers

Excellent service. Explained everything in detail and really helped to find the right insurance best suited to my needs - which wasn't necessarily the most expensive. 

Review centre member

Good value and the advisor was very helpful and recommended the best policy for my grandson. I would definitely use this service again and recommend to others.

Review centre member

We were contacted in good time to make a knowledgable choice. We were given plenty of options with lots of information to enable us to make the right choice.

Review centre member

The service I received was excellent, the staff member was very efficient and knowledgable. She went out of her way to get the best policy for me.

Review centre member

Great service. I really appreciated the help provided by Active Quote to arrange health insurance. The agent was very informative and proactive. Many thanks!

Review centre member

I received excellent care and attention from the first phone call till the last. Friendly, efficient and patient.

Review centre member

Staff are very helpful, friendly and polite. They call back when they say they will and keep you up to date with progress. Pleasure to deal with.

Review centre member

Very polite and friendly, and gave detailed explanations of all aspects of the cover. Reassuring to know that if you do have a problem there is someone you can contact.

Review centre member

Friendly and efficient. Nothing was too much trouble even when i needed to make a small change, excellent service.

Review centre member

The advisor was incredibly helpful and fully explained the differences between the policies. I really liked the fact that I was put under no pressure.

Review centre member

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 Monthly price based on non-smoking 25-year-old with £100,000 cover for ten years, postcode CF11 0SN. Price accurate as of 31/08/15.

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For information about your rights as a consumer visit Citizens Advice.

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