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: Phil Jeynes
Protection Industry Expert
8 min read
'Excellent'
Rated 4.8 out of 5
based on 86,210 reviews
We compare life insurance from some of the UK’s best insurers:
Just as if you were shopping for any other form of insurance, comparing multiple life insurance quotes is essential in finding the best deal.
From comparing different policy types to comparing insurers and premium prices, every little helps when looking for the right policy to meet your needs (at a price that’s within your budget).
Reassured can help you conduct a free life insurance comparison from our panel of top UK insurers, including:
This article also includes information about insurers that we don’t work with, such as Royal London, British Seniors and Co-op. The information has been taken from each insurers website and is correct as of 18/03/24.
We can save you time and money by comparing quotes and presenting you with our best available deals.
Quotes are fee-free, without obligation and start from just 20p-a-day † , so why not get in touch?
A life insurance quote comparison can help you secure a great price on a policy that meets your needs.
However, it’s important to be aware that the quotes you receive will be based on your personal circumstances.
This is because, as part of the standard application process, you’ll be required to provide key information about yourself and your chosen policy. This includes:
The exception to this an over 50s plan where no medical information is required. Instead, the price you pay will be based on your age, level of cover and (sometimes) your smoking status.
Below is a life insurance rates comparison for each policy type:
Level term life insurance
The pricing table below is based on a non-smoker, in good health, for a level term life insurance policy with a 20 year term and £150,000 of cover:
| Age |
|
|
|
|---|---|---|---|
| 20 | £3.83 | £5.88 | £5.43 |
| 25 | £4.62 | £5.74 | £6.09 |
| 30 | £5.76 | £6.80 | £6.91 |
| 35 | £8.21 | £10.11 | £8.80 |
| 40 | £11.33 | £13.98 | £12.18 |
| 45 | £16.74 | £20.39 | £18.19 |
| 50 | £27.60 | £32.26 | £28.81 |
Decreasing term life insurance
The pricing table below is based on a non-smoker, in good health, for a decreasing term life insurance policy with a 20 year term and £150,000 of cover:
| Age |
|
|
|
|---|---|---|---|
| 20 | £3.85 | £5.39 | N/A |
| 25 | £4.35 | £5.60 | £5.13 |
| 30 | £5.05 | £5.84 | £5.92 |
| 35 | £5.90 | £7.18 | £7.06 |
| 40 | £7.81 | £9.57 | £8.79 |
| 45 | £11.05 | £13.45 | £12.34 |
| 50 | £17.94 | £20.30 | £17.75 |
Whole of life insurance
The pricing table below is based on a non-smoker, in good health, for a whole of life insurance policy with £50,000 of cover:
| Age |
|
|
|
|
|---|---|---|---|---|
| 20 | £8.72 | £23.85 | £26.30 | £32.08 |
| 25 | £9.67 | £27.13 | £26.30 | £33.96 |
| 30 | £9.93 | £31.38 | £28.10 | £36.97 |
| 35 | £13.56 | £36.40 | £39.65 | £42.74 |
| 40 | £16.13 | £43.27 | £44.70 | £49.55 |
| 45 | £19.57 | £50.64 | £53.20 | £57.49 |
| 50 | £24.38 | £76.92 | £63.10 | £61.03 |
Over 50 life insurance
The pricing table below is based on a non-smoker, in good health, for an over 50s plan with £5,000 of cover:
Age |
|
|
|---|---|---|
50 | £17.41 | £15.00 |
55 | £19.59 | £18.00 |
60 | £21.92 | £20.00 |
65 | £26.59 | £25.00 |
70 | £35.25 | £35.00 |
75 | £48.88 | £51.00 |
80 | £67.70 | £75.00 |
85 | £74.00 | N/A |
Life insurance with critical illness cover
The pricing table below is based on a non-smoker, in good health, for a life insurance with critical illness cover policy, with a 20 year term, and £50,000 of cover:
| Age |
|
|
|
|
|---|---|---|---|---|
| 20 | £9.15 | £9.17 | £10.12 | £11.84 |
| 25 | £11.71 | £11.69 | £12.92 | £14.21 |
| 30 | £14.99 | £15.04 | £16.85 | £17.79 |
| 35 | £19.97 | £19.94 | £22.51 | £22.95 |
| 40 | £27.96 | £27.93 | £30.47 | £32.62 |
| 45 | £39.84 | £39.81 | £42.02 | £47.41 |
| 50 | £58.19 | £58.16 | N/A | £70.48 |
Joint life insurance
The pricing table below is based on non-smokers, in good health, for a joint level term life insurance policy with a term of 20 years and £150,000 of cover:
Age |
|
|
|
|
|---|---|---|---|---|
20 | £10.49 | £11.10 | £14.76 | £13.59 |
25 | £11.47 | £11.63 | £15.17 | £14.24 |
30 | £12.73 | £12.67 | £15.37 | £15.05 |
35 | £14.42 | £14.29 | £17.66 | £16.92 |
40 | £17.49 | £17.27 | £21.22 | £20.27 |
45 | £22.57 | £22.79 | £27.19 | £26.22 |
50 | £33.39 | £32.64 | £39.20 | £36.73 |
Reassured can help you with a life insurance cost comparison to help you find a great deal on a policy that meets your needs.
Our award-winning broker service is fee-free to use, so why not get in touch?
If you’ve just started on your journey of securing life cover, you may wonder what policy options are available and how they differ.
The most popular forms of life insurance include:
Each policy can be well suited to protecting different aspects of your life.
What is life insurance?
Life insurance is a financial protection policy which could provide loved ones with a lump sum pay out if you pass away while your policy is active.
These funds could be vital in helping your family meet future living costs, such as paying the mortgage and household bills.
The pay out could also help to cover funeral costs or allow you to provide an inheritance.
Comparing the different types of life insurance can help you understand your options and allows you to choose the one that best meets your needs.
Below is a life insurance policy comparison chart, comparing the key features of each type:
| Policy type | Provides cover for a specified period? | Provides lifelong cover? | Provides a guaranteed pay out? | Is the pay out fixed? | Does the pay out reduce over time? | What is the policy best used for? | How much does it cost? |
|---|---|---|---|---|---|---|---|
| Level term life insurance |
|
|
|
|
| Helping to protect an interest-based mortgage and/or family living costs | From 20p-a-day via Reassured † |
| Decreasing term life insurance |
|
|
|
|
| Helping to protect a repayment mortgage | From 20p-a-day via Reassured ¥ |
| Whole of life insurance |
|
|
|
|
| Guaranteeing an inheritance and/or helping to cover inheritance tax bills | From 27p-a-day via Reassured ± |
| Over 50 life insurance |
|
|
|
|
| Helping to cover funeral costs and/or providing a small inheritance | From 20p-a-day via Reassured + (subject to your age and smoking status) |
The policy that’s best for you will ultimately depend on your personal circumstances, budget and what you’d like to cover.
Why not use an experienced broker to compare fee free quotes for the life insurance policies listed above?
Reassured can help you compare quotes from some of the UK’s best insurers.
When comparing life insurance, it’s essential to explore the various policy options available and obtain multiple quotes.
This will allow you to find to the right cover for your needs at the most affordable price.
Here are the different methods when conducting a life insurance comparison:
Why not put Reassured to work? We can find you our best quotes from our panel of leading UK insurers.
Level term life insurance is a popular choice for those who are looking to help protect an interest only mortgage (or other large debts) and/or family living costs.
This is due to the pay out remaining fixed (level) throughout the policy term.
You’ll be covered for a specified period and a pay out will be made to your loved ones if you pass away during this time.
Below is a level term life insurance comparison between some of the UK’s top insurers:
| Insurer | Age limits | Policy term | Policy features |
|---|---|---|---|
|
| 18 - 77 | 1 - 50 years (policy must cease before your 91st birthday) |
|
|
| 18 - 77 | 1 - 50 years (policy must cease before your 90th birthday) |
|
|
| 18 - 79 | 1 - 52 years (cover by cease before you’re 90th birthday) |
|
|
| 17 - 84 | 5 - 50 years (cover must cease by your 90th birthday) |
|
|
| 18 - 70 | 5 - 50 (cover must cease by age 80) |
|
|
| 16 - 83 | 1 - 50 (cover must end by age 89) |
|
The information above has been taken from each insurers website and is correct as of 18/03/24. We don’t work with Royal London. While some insurers offer cover to those aged 16 and 17, Reassured only provide cover to those aged 18 and over.
As you can see from the table, policy terms, conditions and additional benefits can vary between providers.
Therefore, it’s essential to compare multiple quotes. Contact Reassured for your free level term life insurance quote comparison.
Decreasing term life insurance is often the most affordable option. This is because the sum assured will reduce throughout the policy term.
For this reason, it’s ideal for helping to protect a repayment mortgage as the pay out sum can reduce in line with your remaining mortgage balance.
You’ll be covered for a specified period and a pay out will be made to your loved ones if you pass away during this time.
Below is a decreasing term life insurance comparison between some of the UK’s top insurers:
| Insurer | Age limits | Policy term | Policy features |
|---|---|---|---|
|
| 18 - 77 | 1 - 50 years (policy must cease before your 91st birthday) |
|
|
| 18 - 74 | 5 - 50 years (cover must cease before your 90th birthday) |
|
|
| 18 - 79 | 1 - 52 years (cover by cease before you’re 90th birthday) |
|
|
| 18 - 84 | 5 - 50 years (cover must cease by your 89th birthday) |
|
|
| 18 - 70 | 5 - 50 (cover must cease by age 80) |
|
|
| 16 - 83 | 1 - 50 (cover must end by age 89) |
|
The information above has been taken from each insurers website and is correct as of 18/03/24. We don’t work with Royal London. While some insurers offer cover to those aged 16 and 17, Reassured only provide cover to those aged 18 and over.
Comparing multiple quotes can allow you to secure a great deal on decreasing term life insurance.
Through Reassured you could even conduct a level vs decreasing term quote comparison to ensure you’re getting the right cover for your needs.
Whole of life insurance provides lifelong cover, therefore guaranteeing a pay out when you pass away.
It can be well suited to those later in life who want to guarantee an inheritance for their loved ones and/or help to cover any inheritance tax bills.
Not all UK insurers offer whole of life insurance as an option.
Below is a comparison table of whole of life insurance from some of the UK’s top insurers:
| Insurer | Age limits | Policy features |
|---|---|---|
|
| 16 - 83 |
|
|
| 18 - 84 |
|
|
| 18 - 89 |
|
The information above has been taken from each insurers website and is correct as of 18/03/24. We don’t work with Royal London. While some insurers offer cover to those aged 16 and 17, Reassured only provide cover to those aged 18 and over.
Reassured's advised team can help you help you with a whole of life insurance quotes comparison from top UK insurers. Simply get in touch for your fee-free quotes.
Over 50 life insurance (or an over 50s plan) guarantees acceptance to those over 50, without the need to provide medical information.
As no medical information is required, insurers tend to offer a lower maximum sum assured. Typically, this is around £10,000 - £20,000.
Most commonly, the funds are used to help cover funeral costs and/or provide a small inheritance.
Insurers also often add a waiting period to policies. This refers to the first 12 or 24 months of the policy where no pay out will be made for death due to natural causes. But you’ll be covered for accidental death during this time.
Full cover will commence once this period has ended. Once in place, cover lasts for life and guarantees a pay out when you pass away.
Below is a comparison table of over 50 life insurance some of the UK’s top insurers:
| Insurer | Age limits | Policy features |
|---|---|---|
| 49 - 85 |
|
| 50 - 80 |
|
| 50 - 80 |
|
| 50 - 80 |
|
The information above has been taken from each insurers website and is correct as of 02/01/2025. We don’t work with British Seniors or Co-op
Conducting an over 50 life insurance comparison is essential in finding an affordable policy.
Premiums could start from just 20p-a-day. Contact us today for our best over 50s quotes
Critical illness cover can be added to your life insurance policy for an additional cost in your monthly premiums.
This allows a claim to be made if you’re diagnosed with a (specific) serious illness or you pass away.
The early pay out critical illness cover could provide helps to replace lost income while you’re unable to work, allowing you to keep up with your current standard of living.
Typically, at least 30 conditions are covered. This includes some forms of cancer, stroke and heart attack. However this can be more or less depending on the insurer.
Below is a comparison table between leading UK insurers and the critical illness cover they offer:
| Insurer | Available to | Number of conditions covered |
|---|---|---|
|
| 18 - 64 | 52 conditions |
|
| 18 - 67 | 36 conditions |
|
| 17 - 59 | 39 conditions |
|
| 18 - 69 | 48 conditions |
|
| 16 - 69 | 39 conditions |
The information is correct as of 18/03/24. We don’t work with Royal London. While some insurers offer cover to those aged 16 and 17, Reassured only provide cover to those aged 18 and over.
As you can see, the number of conditions covered can vary significantly. Therefore, it’s essential to compare quotes to get the most comprehensive cover.
Reassured can help you compare life insurance with critical illness cover quotes starting from just 33p-a-day.
Joint life insurance protects two lives under one policy, allowing the policyholders to save money as there’s only one premium to pay.
Often a popular choice for couples who have shared assets to protect (such as a mortgage).
However, only one pay out will be made. Most commonly, this is after the first death occurs.
This could leave the surviving partner needing to secure a new policy, potentially facing higher premiums due to older age.
When comparing quotes, it could be beneficial to compare both joint life insurance and two single policies to find the most suitable option for your personal circumstances.
The table below shows a price comparison between joint life insurance and two single policies.
Quotes are based on non-smokers in good health for a level term life insurance policy with a 20 year term and £150,000 of cover:
Age | Joint life insurance | Two single policies | Price difference (%) |
|---|---|---|---|
20 | £6.30 | £7.44 | -15% |
25 | £8.08 | £8.98 | -10% |
30 | £10.46 | £11.18 | -6% |
35 | £14.00 | £15.82 | -11% |
40 | £20.08 | £22.00 | -9% |
45 | £30.20 | £32.50 | -7% |
50 | £50.46 | £53.60 | -6% |
As you can see from the table, a joint life insurance policy could help you save money on a policy.
However, if your budget allows, two single policies could allow you to provide more comprehensive protection.
Compare joint life insurance vs two single policies through Reassured. Simply get in touch for your fee-free quotes.
Insurer ratings can be a useful tool in helping you understand the products and services they offer.
When conducting a comparison of life insurance, ratings and reviews could help you make your decision on who to secure a policy with.
The table below shows a life insurance ratings comparison between some of the UK’s leading insurers.
The rating we have used are from:
| Insurer |
|
|
|
|---|---|---|---|
|
| 5 stars | 80% | Great (4.1) |
|
| 5 stars | 80% | Great (4.0) |
|
| 5 stars | 74% | Great (3.8) |
|
| 5 stars | 70% | Excellent (4.4) |
|
| 5 stars | 68% | Great (4.0) |
|
| 5 stars | 73% | Excellent (4.4) |
The information used in this table is correct as of 18/03/24. We don’t work with Royal London. Please note that Trustpilot scores are based on all products offered by these insurers and aren’t specific to life insurance.
Reassured can help you compare quotes from some of the top rated insurers listed above.
We’re also proud to be rated as ‘Excellent’ on Trustpilot with over 80,000 customer reviews.
Why not check out our best life insurance providers guide where we break down insurer reviews and ratings to establish who offers the best life insurance? »
Comparing life insurance quotes online puts you in control of when and where you secure a policy.
You’ll have access to a range of quotes at your fingertips, allowing you to choose the one that’s right for your needs and budget.
An online life insurance comparison is ideal for applicants who:
At Reassured, our main aim is to help you find the right policy to meet your needs at our best price.
We do this by conducting a life insurance comparison from our panel of insurers, which includes leading UK providers and smaller specialists.
A friendly member of our team will also be with you each step of the way to provide support and answer any questions you might have.
Alternatively, we offer an online quote comparison service - allowing you to quickly and easily compare quotes and secure a policy at your own leisure.
Take the first steps in financially protecting your loved ones and get in touch today. Quotes are fee-free and without obligation.
¶RedArc is a support service that isn’t regulated by the Financial Conduct Authority. These services aren’t part of the terms and conditions of the SunLife Guaranteed Over 50 Plan and may be amended or withdrawn at any time
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