Can I buy life insurance online?

Yes, it’s completely possible to buy life insurance online.

The ability to secure a policy online makes buying life insurance more accessible than ever.

You can go through the application at your own pace, making the process as fast (or as slow) as you’d like it to be.

Buy life insurance instantly online if:

  • You know what type of policy you want
  • You know how much cover you want
  • You’re in good health with no high-risk factors

Compare quotes from some of the UK’s best life insurance providers to find our most affordable deals.

Our award-winning team are just a phone call away if you need help at any point during the online application.

Keep reading as we cover everything you need to know about buying life insurance online, including:

Simply click to start your online journey today, your loved ones could be protected in under 11 minutes ^ …

Compare Life Insurance Quotes Online »

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 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 help cover the following:

  • 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 »

How much online life insurance do you need?

Enter your financial commitments and key costs into the relevant fields to establish the level of cover you might need when browsing quotes online.

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk
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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk
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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk
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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk
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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org
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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk
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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net
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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 it yourself, when it suits you.

Follow these simple steps to buy life insurance online:

Fee Free

Step 1 - Click through from this page to be taken to our online application form.
Health

Step 2 - Complete the life insurance questionnaire, providing accurate information.
Choice Of Options

Step 3 - Receive instant quotes from some of the UK’s top insurers.
Family Protection

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

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

Get covered in a matter of minutes using our online quote service. Simply click to get started.

Prefer to speak to someone on the phone?

If you need support filling out the 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.

Get Quick Quotes Online »

Buy term life insurance online

It’s possible to buy term life insurance online. When buying a policy online through Reassured you have the following two options:

Buy life insurance online decreasing term cover

Decreasing term life insurance

This form of cover lasts for a specified period (up to 40 years) and provides a potential pay out which reduces throughout the policy term.

  • Cover for a set period
  • Pay out decreases over time
  • Maximum sum assured of £1,000,000
  • Pay out can help to protect a repayment mortgage as the sum assured can reduce in line with your remaining mortgage balance
  • Includes terminal illness cover at no extra cost
  • Can be taken out on a joint basis (two lives covered under one policy)
Buy life insurance online level term cover

Level term life insurance

This form of cover lasts for a specified period (up to 40 years) and provides a fixed lump sum pay out if you pass away during the term.

  • Cover for a set period
  • Provides a fixed pay out
  • Maximum sum assured of £1,000,000
  • Pay out can help to cover large expenses such as an interest-only mortgage, living expenses, or to provide an inheritance
  • Includes terminal illness cover at no extra cost
  • Can be taken out on a joint basis (two lives covered under one policy)

Compare multiple term life insurance policies using our online service to find our best deals.

We have a complete level term vs decreasing term life insurance guide if you require more information about these options »

Can I buy life insurance online with no medical exam?

Yes, it’s possible to buy life insurance online without the need for a medical exam.

However, you'll be required to answer health and lifestyle questions during the online application process.

If you have a pre-existing medical condition, you’ll need to declare it.

This is so insurers can accurately assess your level of risk and provide you with the right quotes.

A standard applicant (with no pre-existing conditions or other high-risk factors), will be able to carry on through the online journey.

However, if you declare a pre-existing medical condition, the application may need to continue over the phone so more details can be gathered.

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

What questions will be asked on the online application?

In order for you to be provided with accurate quotes online, you’ll need to answer a life insurance questionnaire.

The life insurance questionnaire includes questions about:

  • Your basic information: Name, age, gender, height, weight
  • Your health and wellbeing: This includes details about your current health as well as any health conditions you may have experienced in the past
  • Your occupation: This is so insurers can establish whether you have a high-risk occupation (for example, working at height, working offshore, being in the armed forces etc)
  • Your lifestyle and hobbies: You’ll need to provide details about your hobbies (such as whether you take part in extreme sports, whether you have travelled to a high risk country in the last two years and whether you ride a moped or motorbike)
  • 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

You must provide accurate answers in order for your cover to be valid.

If it’s found that you withheld information or provided false details this could prevent a pay out from being made when the time comes.

If you need help or support filling out the questionnaire, our award-winning team will be happy to help.

Where to buy life insurance online?

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

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. You could be covered in under 11 minutes, so why not get started today?

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 is life insurance online?

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 (such as hobbies and alcohol consumption)
  • BMI
  • Occupation
  • Smoking status

Factors about your policy include:

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

When comparing quotes online with Reassured, you’ll have a variety of quotes at your fingertips.

Once you’ve found our best deal, you’ll simply need to complete the application to be covered instantly.

Online Quotes in Under 11 Minutes »

Is it safe to buy life insurance online?

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

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 regulated by the FCA.

What are the 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 can secure a policy at your own leisure.

You can go through the application as fast or as slow as you like, and you can also take a break from the application if you need.

The downside to taking out cover online is that if you’re looking to take out a policy that isn’t term-based, 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.

Buy life insurance instantly online

Receive instant life insurance quotes when buying life insurance online.

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 best insurers in a matter of minutes.

Quotes are personalised, fee-free and without obligation.

Protect your loved ones in under 11 minutes with Reassured.

Buy Life Insurance Online »

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