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Are there any life insurance policies which come with a gift?

How to get your £75 gift card

Firstly, you can compare and buy a wide range of life insurance policies on our comparison best buy tables. And if you take out life insurance cover through Free Price Compare (Freepricecompare.com), you will receive a £75 M&S Gift Card*. Your life insurance policy’s monthly premium must be £30 or more to qualify for M&S gift card. M&S gift card is redeemable within 40 days of your sixth life insurance monthly payment. T&Cs apply.

You'll qualify for M&s gift card once you've made your 6th payment. Read More

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What is life insurance?

Life insurance policy pays out a lump sum to your loved ones if you pass away while your life insurance policy is in place.

It can cover for any outstanding financial commitments you have – such as your loan repayments or mortgage - so your partner and family won’t be left with high payments they can’t afford to pay after you’re gone.

Do I need it?

In the event that the worst happens, a life insurance policy gives you a peace of mind as your loved ones are looked after financially.

  • Could your partner pay ongoing mortgage payments without your income? Life insurance policy could help your loved ones stay in the family home.
  • Funerals can cost thousands £££. Save your family the expense with a life cover policy that’ll pay out for yours.
  • No parents would want to think about their kids growing up, going to university or buying their first property without them there to help. But if something were to happen to you, life insurance cover could give them a more secure financial freedom and better future.
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We help 100s of people compare life insurance quotes every
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Life Insurance

In the event of your death, this provides a lump-sum payment to your loved ones so they don’t have to face financial hardship.

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Life & Critical Illness Cover

As an add-on to life insurance, this policy also pays out if you obtain a permanent disability by injury.

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Critical Illness Cover Only

As an add-on to life insurance, this policy also pays out if you obtain a permanent disability by injury.

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  • Free, Independent and Impartial service
  • All life insurance quotes are non-obligatory
  • Compare the market, so you get the best deal
  • Pride on delivering excellent customer service so you can make an informed decision
  • Speak to friendly UK based life insurance specialists

Life Insurance Frequently asked questions

"But nothing in this world is said to be certain, except death and taxes" Benjamin Franklin.

Unfortunately, death can come to us at any time, and for many of us, we want to ensure our loved ones financial needs are met.

Life insurance is an insurance policy that pays out in the event of the policyholder passing away. Its normally taken to cover mortgages, funeral expenses or a lump sum to be given to loved ones.

If you have dependents, particularly young children or a family then a life insurance policy is something that would be recommended. It can cover any financial commitments that you have such as a mortgage or provide lump sum which could give your loved one’s financial security

There are 5 “terms” which are the most popular and these are:

Normally taken out with a repayment mortgage to cover this cost. As the amount owed on the property reduces over time so will the pay-out, this is the cheapest option to take out.

This policy will pay a fixed amount of money at the time of death (as long as the policy is still active). You would select the amount that you want the lump sum to be and this would remain fixed over the term of the policy. This is normally more expensive than a decreasing term insurance policy

As the name suggests, it covers couples and will pay out once when the first partner passes away within the term of the policy

Will guarantee to pay-out upon death, even if that comes at a ripe old age of 100 plus.

This policy is designed for people who are aged over 50. Its pay-out is smaller as it’s designed to cover funeral expenses so the policy value is typically between £1,000 and £25,000

This will depend on your financial commitments and whether or not you want to leave a lump sum after these commitments have been met. As a minimum you should cover your mortgage and funeral costs and then depending on your budget add a cash lump sum too.

This is very much dependent on the circumstances surrounding your situation and what you would want to leave your loved ones. There is also a critical illness add-ons you could select, this will pay-out if a critical illness is diagnosed by medical professionals to help with financial matters during your treatment

The cost of the policy is based on a number of factors, are you smoking, your age, previous medical conditions, current health, the term type (Level, Decreasing, Joint, etc..), the amount needed to be covered, the length of the policy and also if critical illness is added.

It’s possible to get a policy from the age of 18. Most people think of getting a policy if they have a mortgage and / or dependents. Premiums prices increase as age increases.

Certain financial institutions will insist upon it. However, it’s considered a good judgment call to take one out, as death could come at any time, and without life insurance in place, your loved ones may struggle.

It is important to review the level cover periodically to ensure that the current policy meets all of your needs, you can take out a second policy, add to an existing one or cancel the existing one and take a brand new one. We would recommend that you review the policy cover if there is a major circumstantial change such as moving home (to cover the new mortgage if this has increased), getting married or having a child (to leave a lump sum).

It’s a tax-efficient measure where the money is paid out into a trust, and not considered part of the estate when relevant bodies calculate inheritance tax.

Yes, but it could cost more, as it’s viewed as a higher risk. The most common pre-existing conditions which most companies cover, but not limited to are; asthma, diabetes and obesity.

You must make sure to declare ailments when taking out the life insurance cover as a failure to be transparent could void it.

You can still take out a traditional life insurance policy, but the prices will be higher than a 30 year taking out the policy, and there are upper age limits for when the policy will expire, typically this is between 70 and 75 or there is over 50s plan, where the monthly price is a lot lower but the pay-out is also a lot smaller and commonly taken out to cover funeral expenses. However, as it is a lump sum, the beneficiaries are able to spend it any way they see fit

If you missed the payment, contact your life insurance provider and explain why it was missed and seek to make alternative payments.

Certain policies will allow you to make a claim if you’ve been diagnosed with a terminal illness and having less than 12 months to live

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The importance of life insurance

Life insurance is not something that young people consider important, but with more than 25,000 people claiming on basic life insurance policies, it could be a life changing decision.

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What Are The Different Types Of Life Insurance Policies In The UK?

There are different types of life insurance policies offered by providers in the UK. Depending on your age, mortgaged property, health and income

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Which Type of Life insurance is right for me?

Perhaps you are thinking of getting life insurance so that your loved ones can have a cash amount which they can use

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Life Insurance Glossary

Joint life insurance policy. A life insurance policy that cover two people in a relationship

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Buying cheap life insurance

If you have dependants, than life insurance is something you should already have to secure the financial well-being of your loved ones.

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Life Insurance for the Over 50 years old

Even if you’re over 50 and have an unfortunate medical history, life insurance is still available to you. Given the age

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Two third of Britons surviving without life insurance, says experts

Life insurance is a necessity for one and all but two third of Britons are surviving without a life insurance policy. Most of them

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Why people avoid protection insurance in the UK? Must Read Royal London Study

Insurance giant Royal London has published a study that suggests that the reason for the lower number of people buying Protection

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Life Insurance: How much cover is required?

Whilst life insurance provides financial security for your loved ones, it’s not always very easy to work out the amount of cover

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Life Insurance: Smoking kills 100,000 people in the UK each year

According to NHS calculations, approximately 100,000 people die in the UK due to smoking related illnesses each year. Smoking rela

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Life Insurance: frequently asked questions

What is covered in life insurance? Life insurance typically pay-out once the policy holder has passed away. The lump sum received

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Life Insurance versus Death-in-Service

Many people believe that if you have death-in-service cover then you don’t need life insurance. This is a common fallacy as deat

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