Can I buy life insurance online?

Yes, it’s completely possible to buy a life insurance policy online. This allows a quick and easy way to secure the life cover you need.

For many years, life insurance could only be purchased over the phone, but now it’s possible to secure a policy at a time that’s convenient for you and at your own pace - making family life insurance more accessible than ever.

Through Reassured, not only can you compare multiple quotes from some of the UK’s best life insurance providers, but once you’ve found your ideal policy you can purchase it online without any fees.

Simply click to start your online journey today…

How does life insurance work?

Life insurance is designed to protect the financial future of your family should anything happen to you.

It provides a lump sum pay out to your loved ones upon your passing.

You’ll need to pay a monthly life insurance premium throughout the lifetime of your policy to keep cover valid.

If you pass away while your policy is active, your loved ones can make a claim and a pay out will be made to them.

This life insurance pay out could be used to cover the following costs:

  • Rent or mortgage payments
  • Funeral costs
  • Daily living costs
  • Additional childcare costs
  • An inheritance
  • Outstanding debts in your name

You can read our helpful how does like insurance work UK guide to find out more »

Buy life insurance online no medical exam

It’s possible to buy life insurance online without a medical exam, however you'll still be required to answer health and lifestyle questions during the application process.

This will include questions about:

  • Your age
  • Your general health and wellbeing
  • Your family medical history
  • Your smoking status
  • Your alcohol consumption

This is so insurers can assess the level of risk involved with offering you cover (the likelihood of a claim being made) and your premiums can be calculated accordingly.

Most applicants can secure a policy online straight away after filling in the application form and receiving their quotes.

However, if you have a pre-existing medical condition, or another high-risk factor, then you may not be able to carry out the rest of the journey online.

This is because insurers will need to ask further questions about your personal circumstances to assess your level of risk, what terms you’ll be offered and how much you’ll pay.

In some cases, your application may need to undergo manual underwriting which can’t happen via an online application.

Manual underwriting is when your policy will need to be assessed and written by an underwriter rather than following a standard, automated process.

We have written a dedicated life insurance with no medical article which provides more detailed information »

How to buy life insurance online?

The process of buying life insurance online is the same as if you were to purchase life insurance over the phone.

You’ll need to answer a questionnaire that will provide key information about you, your chosen policy type and your required level of cover (sum assured).

The difference is, rather than someone else putting in these details for you over the phone, you can do this yourself, when it suits you.

Buying life insurance online can work as simply as:

Step 1 - Follow the link on this page to start the online application process.

Step 2 - Provide details including your age, medical history, smoking status, lifestyle, policy type, level of cover and length of cover.

Step 3 - Browse through multiple quotes, based on your cover requirements, from some of the UK’s top insurers.

Step 4 - Secure the policy that best meets the needs of you and your family.

Step 5 - Have peace of mind that your loved ones are protected should the worst happen to you.

Prefer to speak to someone on the phone?

If you’re unsure of anything on the online application form, or you’d just rather speak to someone, we have a team of experts who are ready and waiting to help you find your ideal policy.

We can answer any questions you may have, guide you through the entire application process and decode any life insurance jargon.

Simply get in touch for your free, no-obligation quotes.

What details will you need to provide?

In order for you to be provided with accurate life insurance quotes online, you’ll need to provide key information about yourself.

During the online application you’ll need to give details about:

  • Your basic information: Name, age, gender, height, weight
  • Your work: Whether you have a high-risk occupation such as one that requires you to work at height (over 50 feet), offshore or whether you’re in the armed forces
  • Your lifestyle and hobbies: Whether you take part in extreme sports, whether you ride a moped or motorbike, whether you have travelled to high-risk countries within the last 2 years
  • Your alcohol consumption: How many units you drink per week
  • Your smoking status: Whether you have smoked or used nicotine replacements in the last 5 years
  • Your drug use: Whether you have used recreational drugs within the last 5 years
  • COVID-19: Since the start of the pandemic you’ll now be asked whether you have experienced any symptoms of Coronavirus or tested positive for Coronavirus in the last 30 days

The process of buying life insurance online is quick and easy, you could be covered in under an hour.

Click to start your online journey with Reassured.

Where to buy life insurance online?

Many providers will allow you to apply for life insurance online, but not all providers offer the chance to buy life insurance online.

Life insurance can be bought online through some providers, through comparison sites or through a broker service (like Reassured).

The best place to buy life insurance online will be the place that allows you to compare multiple quotes to help you secure the most affordable policy.

When buying life insurance online through Reassured you can compare quotes from some of the UK’s leading life insurance providers.

The process is quick and hassle-free so why not get started today? Our quotes are personalised, fee-free and without obligation.

Who can buy life insurance online?

Anyone can apply for life insurance online. However, our online comparison service will be most suitable for those who:

  • Are in good health - Buying life insurance online is the most straightforward for standard applicants, these are applicants who are in good health and who don’t have any high-risk factors. If high risk factors are flagged on an online application, the journey may need to continue over the phone so that insurers can get a better understanding of your circumstances
  • Have a busy lifestyle - Some people aren’t able to take calls during the day meaning applying for life insurance over the phone, during working hours, can be tricky. Buying life insurance online allows these applicants to secure cover at a time and place that suits them
  • Know what they want - If you know exactly what life insurance policy you want and how much cover you need, then buying life insurance online can provide you with a quick and easy way to secure a policy

How much life insurance do you need?

Enter your financial commitments below to establish the level of online life insurance cover you require.

?

£121,687 is the estimated average outstanding mortgage per household in the UK.

Our property is generally the largest financial commitment any of us will make.

Your life insurance should cover this significant debt should you no longer be around.

£
?

According to Money Advice Service, full-time childcare in the UK now costs £242 a week.

The loss of a parent could result in the need for additional childcare whilst the surviving parent increases their hours to account for lost income.

Your life insurance cover should factor in this additional required outgoing.

£
?

The average level of debt (minus a mortgage) in the UK is £15,385.

Factoring in any outstanding debts in your name when arranging life insurance ensures this burden is not passed to loved ones.

£
?

You may wish to leave your loved ones an inheritance or lump sum gift upon your passing.

Factoring in the gift amount when arranging your cover will ensure the pay out amount will be sufficient to provide your loved ones with this selfless gesture.

£
?

According to SunLife, the average cost of a UK funeral is now £4,417, whilst the total cost of dying is £9,493.

This is a 130% increase over the past 16 years and shows no signs of slowing down.

A significant cost which should be factored into the amount of life insurance you secure.

£
?

If you are one of the 65% of the UK who are lucky enough to have savings, this could be used as protection if you were to pass away.

Any pay outs from existing life insurance policies and investments can also be used as financial protection for your loved ones if you were no longer around.

Factor this into your required cover amount.

£ -

Your total cover estimate

£ 0

Let us find your best quotes

Buy a life insurance policy online

Buying a life insurance policy online is ideal for those who know what form of cover they want and how much cover they require.

When buying online through Reassured you can choose between:

Buy life insurance online decreasing term cover
  • Cover lasts for a specified period of time (up to 40 years)
  • Provides a sum assured that reduces throughout the policy lifetime
  • Cover amount can be up to £1,000,000 (although this sum is more than the average person would need)
  • Pay out is ideal for protecting a repayment mortgage as the sum assured can reduce in line with your remaining mortgage balance
  • Includes terminal illness cover at no extra cost (this will allow you to make an early claim on your policy if you’re diagnosed with a terminal illness and are predicted to pass away within 12 months)
  • Can be taken out on a joint basis (two lives covered under one policy)
Buy life insurance online level term cover
  • Cover lasts for a specified period of time (up to 40 years)
  • Provides a fixed lump sum pay out to your loved ones after your passing
  • Cover amount can be up to £1,000,000 (although this sum is more than the average person would need)
  • Pay out can be used by loved ones to cover large expenses such as an interest-only mortgage, family living expenses, or to provide an inheritance
  • Includes terminal illness cover at no extra cost (this will allow you to make an early claim on your policy if you’re diagnosed with a terminal illness and are predicted to pass away within 12 months)
  • Can be taken out on a joint basis (two lives covered under one policy)

It’s not currently possible to take out whole of life insurance or over 50s plans online through Reassured.

If you're interested in either one of these policy types, one of our life insurance experts can help you compare quotes over the phone.

Why not use the services of Reassured to buy term life insurance online?

How much is life insurance?

How much you pay for life insurance will vary depending on a variety of factors.

During the application you’ll need to disclose key information about yourself and your chosen policy so insurers can assess the level of risk involved with offering you cover.

Personal factors required include:

  • Age
  • Heath and wellbeing
  • Lifestyle
  • BMI
  • Smoking status
  • Alcohol consumption


Factors about your policy include:

  • Policy type
  • Level of cover (sum assured)
  • Length of cover (the term)

Each insurer will have a different underwriting process, which makes it important to compare multiple quotes to get the most affordable premium price.

Compare and buy life insurance online through Reassured. You’ll have a range of quotes at your fingertips, allowing you to choose the policy that meets your needs and fits into your budget.

Get started with us today.

Is it safe to buy life insurance online?

Yes, it’s safe to buy life insurance online.

When filling out the online application form it’s important that you’re open and honest with your answers to ensure that the policy you take out is valid.

Failing to provide the truth on your life insurance application is known as non-disclosure and this could prevent a pay out from being made to your loved ones when the time comes.

When buying life insurance online you’ll want to make sure that you’re buying from a well trusted provider, who is Financial Conduct Authority (FCA) regulated.

Reassured are rated ‘Excellent’ by over 60,000 customers on Trustpilot and we’re regulated by the FCA.

Pros and cons of buying life insurance online

PROsCONs
You’re in control of taking out a policy so you can do this whenever it suits youNot everyone will be eligible to buy life insurance online
Fast and convenient (as you’re inputting your own information)You’ll need to do your own research regarding the policies available (to make sure you’re making the right decision)
You can choose between level and decreasing term cover through ReassuredNot suitable for those wanting over 50 life insurance or whole of life insurance
If you get stuck at any point, you can pause your application and contact a friendly member of our team who can provide help and supportNot all life insurance providers offer policies online


The main benefit of buying life insurance online is that you are in control of when and how you buy your life insurance policy.

You can take as much time as you need to go through the application and ensure that the policy you’re taking out is exactly what you want.

The downside to taking out cover online is that if you’re looking to take out a policy that isn’t a term-based policy, you won’t have this option through Reassured. The process may also become complicated if you have a pre-existing medical condition, or if other high-risk factors are identified.

Whether you choose to take out cover online or over the phone, the most important thing is to ensure that your policy meets your needs and budget.

Reassured offer the opportunity for you to secure cover both over the phone and online.

Click below to start your online life insurance journey today.

Buy life insurance online now

Seize the day and start your online life insurance journey today.

The ability to buy life insurance online allows you to secure the cover you need quickly, easily and at your own convenience.

By taking out life insurance online, through Reassured, you can compare multiple quotes from some of the UK’s leading providers in a matter of minutes.

This way you can find the right policy at the best price.

Use our free online comparison service to find your ideal policy, quotes are personalised and completely without obligation.

Related articles

Very easy to understand and very quick

Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!

Mrs M Rushworth

Very professional and reassuring

Very professional and reassuring. Life insurance sorted in about 10 minutes.

Stephen Davies

very courteous and friendly

very courteous and friendly. Polite professional and empathic.

Stedroy Fenton

Another happy customer

Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.

Piotr Stepien

Really attentive during the call

Really attentive during the call, good clear guidance throughout. Well done.

Michael Reynolds

Amazing service

Amazing service quick fast and easy and Joey was a star on the phone really help me thanks.

Sera Woolley

I made the right choice and now I feel…

I made the right choice and now I feel relieved that I did.

glyn

Really genuine kind and compassionate…

Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!

Katelia Merritt

I must say Jake took me through every…

I must say Jake took me through every step and was brilliant, recommend them anytime.

Allan Green

Very happy and everything explained…

Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.

Jenny Berry