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LifeSearch is a leading provider of tailored life insurance solutions, driven by a clear purpose: to protect people properly. With over 25 years of experience, LifeSearch partners with reputable financial institutions and consumer champions to deliver accessible, affordable, and relevant protection to individuals, families, and businesses across the UK.

Dedicated to ensuring financial security for all, LifeSearch offers the right protection when it matters most, regardless of life stage or circumstance. Having helped over a million individuals, families, and businesses secure 1.7 million policies, its commitment to exceptional service is reflected in an ‘Excellent’ Trustpilot score – highlighting the trust and satisfaction of its customers.

Life insurance protects your loved ones with a lump sum payout, helping to ensure they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (term) when your family most needs help, for example during a mortgage term or while your children are financially dependent.

Life insurance generally covers death from natural causes such as illness, disease, cancer, heart attack, and accidents. Most policies also include a terminal illness benefit, and suicide is typically covered after an initial waiting period. Common exclusions include pre-existing conditions not declared, deaths related to drug or alcohol misuse, and participation in high-risk activities without prior disclosure.

Life insurance payouts are usually tax-free, but if the money forms part of your estate and pushes its value above the £325,000 threshold (£650,000 for married couples), it may be subject to inheritance tax. Writing your policy in trust can help reduce this.

Term life insurance runs for a fixed period, such as 10, 20, or 30 years, and is generally more cost-effective because it only covers that set term.

Whole-of-life insurance, on the other hand, guarantees a payout whenever you die, which means it can last into later life and is usually more expensive.

Critical illness cover pays a tax-free lump sum if you’re diagnosed with a serious illness during the policy term. You choose how long the cover runs for, often based on what’s important to you financially - for example, until your children are financially independent, your mortgage is paid off, or you reach retirement.

Many people think of critical illness cover as a way of putting a financial safety net in place. You pay a regular amount to keep the cover active, and while you hope you never need to use it, it can provide valuable financial support if the unexpected happens.

Income protection is designed to support you financially if you’re unable to work because of illness or injury. It pays a regular income to help cover essential outgoings while you focus on recovering.

Many people assume they’d be covered by sick pay if they were off work, but that isn’t always the case and the amount can be less than expected. Income protection offers reassurance that day-to-day finances can still be managed if the unexpected happens.