29 guides
What it costs
Price depends on age, health, smoking, the amount and the length of cover. These guides explain what moves it and how to get a quote for your own circumstances.
- Applying to Legal & General for life insurance To apply to Legal & General for life insurance, you start online with a quote, and when you apply L&G asks health and lifestyle questions and decides wheth…
- Are you covered by your parents' life insurance? You are not usually covered by your parents' life insurance once you are an adult. A parent's policy normally covers the parent, and what it gives you is a…
- Aviva life insurance gym discounts: what DigiCare+ offers An Aviva life insurance gym discount, where there is one, comes through the DigiCare+ app: Aviva's page for it lists "Gym and fitness discounts" among the…
- Best life insurance policies and providers in the UK There is no single best life insurance policy in the UK: the best one for a household is the type that matches what it needs to protect, on terms that hold…
- Death in service vs your own life insurance If you have death in service benefit at work, whether you also need your own life insurance turns on a handful of things: how the lump sum compares with wh…
- Do you need life insurance if you are single or have no dep… Life insurance with no dependants still pays a lump sum if you die, so the useful question is what that sum would do, and for whom, when nobody relies on y…
- Do you need life insurance? Whether you need life insurance depends on who relies on your income or your share of the bills, what you owe, and what cover you already have. There is no…
- Does life insurance involve a credit check? Life insurers' own privacy notices describe identity, fraud and credit-reference checks, and one of them, Aviva, says outright that its searches of credit…
- Does your job affect life insurance? Hazardous occupations … Life insurance for construction workers is available through the same routes as for anyone else, but your job is one of the things an insurer asks about, a…
- Getting life insurance if you are on benefits Can you get life insurance on benefits? Two over-50s plans accept applicants on age and UK residence alone, and for other cover it depends on how the insur…
- How long should a life insurance term be? How long you need life insurance depends on how long the people you are covering would rely on the money, so the term is best chosen by finding the end dat…
- How much does life insurance cost in the UK? How much it costs to have life insurance in the UK depends on you and on the cover you choose, so no single monthly figure applies to everyone. What we can…
- How much life cover do you need? How much life cover you need depends on what a payout would have to do for the people who rely on you: clear debts, replace income for as long as it is mis…
- How to get life insurance quotes online or by phone To get life insurance quotes in the UK, you give an insurer or a broker a handful of details online or by phone (your age, whether you smoke, and the type…
- Is life insurance a good investment? Whether a life insurance policy is a good investment depends on which kind it is, because ordinary term and whole of life cover is protection, not an inves…
- Is life insurance compulsory in the UK? No, life insurance is not mandatory in the UK. Legal & General and Aviva both say no law requires it even when you take out a mortgage, the borrowing where…
- Is life insurance more expensive for men than women? Life insurance is not more expensive for men than for women just because they are men: since 21 December 2012, UK insurers have not been allowed to price a…
- Is there such a thing as free life insurance? Free life insurance usually means temporary cover an insurer gives at no charge for a set period, such as up to 90 days while you buy a home or while your…
- LV= member benefits with life insurance LV= life insurance comes with member benefits that LV= says include free access to its Doctor Services and a Legal Advice Line, and LV= is also advertising…
- Life cover buy-back option explained A life cover buy-back option is an optional feature on some life and critical illness policies that lets you start a new life policy after a critical illne…
- Life insurance discounts, cashback and free gifts There is no standard life insurance discount that every insurer gives, but several run gift card offers, one big insurer publishes a discount for existing…
- Life insurance for UK expats and non-uk residents Life insurance for expats is rarely a standard UK policy, because the UK insurers covered here sell new cover only to people who live in the UK; Legal & Ge…
- Post Office life insurance gift card offer: how it works The Post Office life insurance gift card offer is a £100 gift card on its term life insurance and a £125 gift card on its Over 50s Life Cover, as the Post…
- Post Office life insurance: who provides it and how it works Post Office life insurance is two separate products from two insurers: a term plan for people aged 18 to 70, underwritten by Scottish Friendly, and Over 50…
- Royal London Helping Hand and extra benefits with life cover The main additional benefit with Royal London life insurance is Helping Hand, a package of support services that comes with its adviser-sold plans, from a…
- Vitality life insurance and the Apple Watch offer A free Apple Watch with Vitality life insurance is not quite free: on Vitality's offer page as archived on 1 August 2026, the watch comes with a qualifying…
- Vitality life insurance rewards: gym and partner discounts Vitality's rewards page, in the archived copy captured on 12 October 2026, lists up to 50% off a monthly gym membership at three chains: Nuffield Health, P…
- What happens to life insurance when you die What happens to life insurance when you die depends on who tells the insurer and on who owns the policy. Someone has to start the claim, the insurer checks…
- Why life insurance premiums increase Do life insurance premiums increase with age? On a policy with guaranteed premiums, not while you leave it unchanged. A premium can rise if it is reviewabl…