Provides your loved ones with a cash pay out if you pass away during the policy term.
Life insurance with no medical questions that guarantees a cash pay out to your loved ones.
Helps to replace a percentage of your income if you’re unable to work due to illness or injury.
By: Milly Streten
Protection Expert
6 min read
'Excellent'
Rated 4.8 out of 5
based on
93,083
reviews
If you’re considering taking out life insurance cover through QuoteMeHappy.com, this quick and easy breakdown explores what cover they offer, how their policies work and what to consider before securing it.
Quote Me Happy is highly rated by customers, boasting a 4.2 star ‘Great’ Trustpilot score. This strong rating reflects positive customer experiences, indicating that they could be a good provider. Read on to find out if they could be the right one for you.
At Reassured, we provide fee-free life insurance quotes from leading UK insurers to help you find the right protection.
Please note, Quote Me Happy life insurance is not available through Reassured. However, we can compare quotes from Aviva (their parent company) and many other leading insurers.
Our award-winning service has helped more than 1 million families find affordable protection. Why not get in touch today?
Quote Me Happy, as a whole, is generally rated high by customers with a 4.2 star rating on Trustpilot with over 50,000 customer reviews [2].
Whilst not scored for their life insurance services by industry trusted reviewers, Defaqto, their home and legal services are rated between 2 to 5 stars.
This suggests a mixed performance across other product lines and can help review the overall service quality of the brand.
Below is a table of star ratings based on customer review sites:
| Product | Rating | |
| All insurance services | ‘Great’ 4.2 stars based on 50,585 customer reviews |
| All insurance services | 3 stars based on 1,033 customer reviews |
Table correct as of 19/11/2025
Fairer Finance, expert rating provider, scores Quote Me Happy life insurance highly:
| Claims Score | Complaints performance | Transparency rating | Fairer Finance Score |
| 90.75% | 91.48% | 49.7% | 77.31% |
Table correct as of 19/11/2025
Aviva, the provider behind Quote Me Happy’s life insurance products, is highly rated for its life insurance offerings across multiple independent review sites, indicating the life insurance products offered are of quality standard.
At Reassured, our customer service has been rated as ‘Excellent’ on Trustpilot from more than 90,000 customer reviews.
Quote Me Happy offers two life insurance options which are underwritten by Aviva. These include:
A form of cover where the pay out remains the same throughout the entire policy term.
A type of policy where the pay out amount (sum assured) reduces over the policy term.
Quote Me Happy also offers the option to add on critical illness cover (a policy that pays out if you’re diagnosed with a diagnosed with a serious illness) to your life insurance policy, for an additional charge.
At Reassured, we can help compare quotes for level term or decreasing term life insurance from alternative leading insurers, with prices starting from just 20p-a-day.
Joint life insurance is a form of cover that protects two people under a single policy, typically a couple, but it could also apply to any two people with shared financial responsibilities.
With Quote Me Happy, a joint policy will pay out on the ‘first death’, which means a lump sum will be provided once when the first policyholder passes away during the term.
After the pay out is made, the policy ends. This form of cover can be a suitable option for its simplicity, there’s one application to complete and one contract to manage. It’s also typically cheaper than taking out two separate single policies.
Joint life insurance is often used to protect shared commitments such as a mortgage, childcare costs, or household bills.
Joint life insurance is available through Reassured from other providers, contact us today to find out if it’s the right form of cover for you.
Before deciding if Quote Me Happy is the right fit for your personal life insurance needs, it’s important to weigh up its key advantages and disadvantages.
| Pros | Cons |
|---|---|
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According to Quote Me Happy’s website, their term life insurance premiums start from £3.50 per month.
The cost of life insurance, from most providers, will depend on a variety of factors. This can include:
These factors allow insurers to assess your level of risk (how likely it is for a claim to be made) so that your monthly premium can be calculated correctly.
It’s essential that you’re truthful when disclosing all information required, as if you miss out on informing your insurer about anything, then your loved ones could face not receiving a pay out due to non-disclosure.
The table below shows example costs of a level term life insurance policy. Quotes are based on a non-smoker, in good health, with a 20-year term and £150,000 of cover:
| Age | Level term life insurance monthly premium |
|---|---|
| 20 | £3.51 |
| 25 | £3.81 |
| 30 | £4.95 |
| 35 | £8.10 |
| 40 | £11.37 |
| 45 | £15.88 |
| 50 | £25.50 |
| Age | Decreasing term life insurance monthly premium |
|---|---|
| 20 | £3.50 |
| 25 | £4.00 |
| 30 | £5.02 |
| 35 | £6.38 |
| 40 | £7.88 |
| 45 | £11.50 |
| 50 | £17.64 |
Both tables correct as of 24/11/2025
Life insurance prices depend not only on your personal circumstances but also can vary between insurers. By comparing quotes from multiple providers, you can gain a better understanding of which option is best for you.
Whilst Reassured don’t offer Quote Me Happy life insurance, we can compare multiple quotes, free of charge to help you find our best deals.
Life insurance is financial cover that is put in place to help support loved ones when you’re no longer around.
What you wish for your pay out to cover is up to your personal needs and circumstances. A life insurance pay out is typically used to cover a range of financial commitments, including:
Quote Me Happy’s term cover is a great way to protect major financial commitments, such as a mortgage, by ensuring the money is there if the worst were to happen during the policy term.
If you're unsure how much cover you need, comparing quotes through Reassured can help you find the right level of cover for your needs.
Why not use our life insurance calculator to help you find out?
All Quote Me Happy life insurance includes a terminal illness cover benefit.
Terminal illness cover is a form of protection that provides an early pay out if you’re diagnosed with a terminal illness. It’s typically an additional benefit included in most term life insurance policies as standard.
This pay out can help ease financial stress and help to cover costs such as medical bills, making home adjustments, supporting family, clearing debts and helping with mortgage costs.
For a terminal illness claim, Aviva (the policy underwriters) require a ‘definite diagnosis by a consultant’ of an illness that either has no cure or has progressed past being cured.
Once the terminal illness cover has paid out, the policy will end meaning your loved ones won’t have another payment after this.
Quote Me Happy offers the option to add critical illness cover, provided by Aviva, to their life insurance policies.
Critical illness cover is a type of protection that pays out a lump sum if you're diagnosed with a serious, yet non-life-threatening, illness specified in the policy.
Their policy covers up to 33 different conditions. These include major illnesses such as many types of cancer, heart attack, stroke, dementia or motor neurone disease.
After a diagnosis, you need to survive for a certain period (with Quote Me Happy it’s 21 days) before the lump sum is paid.
Their critical illness cover also covers your children, they are covered from 30 days old to the 18th birthday or 21st birthday if in education.
Reassured can compare life insurance with critical illness quotes from other leading UK insurers.
All life insurance applications with Quote Me Happy are processed online.
However, if you need assistance with customer service queries, you can call their life insurance and protection team on 0345 030 6902.
You can apply for life insurance through Quote Me Happy, directly through their website.
Here, you can fill out an online form that will you provide you with an instant quote. But remember, you’ll only see their own prices.
If you wanted to have a comparison of prices, using a broker (like Reassured), can help comparing quotes from multiple top UK insurers (including Aviva) to make sure you’re getting the best possible deal.
Quote Me Happy offers straightforward, fully digital life insurance with the ownership of household name Aviva.
A great choice for those wanting simplicity and online cover, however, if you’re looking for variety or have more specialist needs then it may be a more complex journey using Quote Me Happy.
At Reassured we offer a FREE comparison service, with options from a large variety of insurers, to help you discover the right option for your personal circumstances.
Get your free life insurance quotes today, through Reassured.
[1] - https://www.quotemehappy.com/life-insurance
[2] - https://uk.trustpilot.com/review/quotemehappy.com
