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Frequently asked questions
At LifeSearch our mission is ‘To protect the UK, properly’. We've been working to that objective since 1998, establishing ourselves as the leading independent protection advice specialist in the UK.
Over that time, we have protected over 1.8 million individuals, won more than 105 industry awards and we're proud to maintain an ‘Excellent’ Trustpilot rating (4.9 out of 5) from our protected families.
LifeSearch compare quotes from a range of major UK insurers. Advice offered is fee-free and all quotes given are without obligation.
Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you.
Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.
It all depends on a few things; your health, your age, your smoker status, the amount of cover you're after and maybe even your hobbies. Read more about the average cost of life insurance here.
Although a life insurance payout is often talked about as a tax-free lump sum, this is true up to a point. If your estate is valued above £325,000 (or £650,000 if you’re married) or the life insurance payout pushes your estate value over the threshold, you might be hit with inheritance tax.
We strictly adhere to the General Data Protection Regulation and will only use your personal information for the purposes of helping with your query. As an advice-based broker, by submitting your details with your phone number and email, we may attempt to call, text or email you in order to service your query for Life Insurance, Income Protection Insurance, Critical Illness Insurance, Private Health Insurance and other products. For more information, please read our Privacy Notice & Cookies.
Frequently asked questions
At LifeSearch our mission is ‘To protect the UK, properly’. We've been working to that objective since 1998, establishing ourselves as the leading independent protection advice specialist in the UK.
Over that time, we have protected over 1.8 million individuals, won more than 105 industry awards and we're proud to maintain an ‘Excellent’ Trustpilot rating (4.9 out of 5) from our protected families.
LifeSearch compare quotes from a range of major UK insurers. Advice offered is fee-free and all quotes given are without obligation.
Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you.
Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.
It all depends on a few things; your health, your age, your smoker status, the amount of cover you're after and maybe even your hobbies. Read more about the average cost of life insurance here.
Although a life insurance payout is often talked about as a tax-free lump sum, this is true up to a point. If your estate is valued above £325,000 (or £650,000 if you’re married) or the life insurance payout pushes your estate value over the threshold, you might be hit with inheritance tax.
Quickly calculate the amount of life insurance you might need
1st Central have teamed up with protection specialists LifeSearch to offer you advice for Life Insurance and other protection products from a range of different providers.
Since 1998 we've protected more than 875,000 UK families
- Quotes for Life Insurance, Critical Illness Cover, Income Protection and more
- We explain the options, simply, and set up your cover in the right way for you and your loved ones
- We've won more than 105 industry awards and we're proud to maintain an ‘Excellent’ Trustpilot rating (4.9 out of 5) from our protected families