Free, impartial and no obligation advice from the UK's leading Advisers.
Our expert Advisers will assess your individual protection needs, and search a range of providers to help you choose the cover that's best for you.
Plus, take out a policy with us and you will receive £150 cash back!*
Enter your details on the form and one of our Advisers will call you at the best time for you.
Single or joint policy?
You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.
Do you know what cover you need?
Life cover, income protection, critical illness cover, family income benefit and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.
How much cover do you need?
The amount you need depends on a number of factors such as your mortgage balance, any debts and a lump sum you may want to leave after these are factored in. Don’t worry – if you’re not sure we can advise you.
- Under £5/pm - £25 cashback
- £5.01/pm - £20.00/pm - £50 cashback
- £20.01/pm - £35/pm - £75 cashback
- £35.01/pm – 45/pm = £100 cashback
- £45.01/pm + = £150 Cashback
One sum of cashback can be claimed per person, regardless of the number of policies purchased and in the case of a joint life plan, only one payment of up to £150 will be made. Offer Valid from 1st June 2023, until further notice. Policy must be in place and all premiums kept up to date in order to qualify for your cashback.
Your cashback will be paid by BACS to your nominated bank account within 60 days of your third premium being collected. Cashback is provided by Protect Life in association with Health Service Discounts and is not available directly through LifeSearch Limited.
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.
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.
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.
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.