Or talk it through with an advisor
You might also benefit from talking through the detail of the cover you want with an advisor direct.
Our experienced team can help make sure you get a more tailored policy that's right for your needs
Plug in your commitments to understand what cover's good for you
How much have you left on any current mortgages in your name?
Total up all the non-mortgage debt you have: loans, credit cards, overdrafts and any other borrowing
The average UK funeral costs between £4,000 and £5,000. If you have expensive tastes or a massive family, it may be more. Worth thinking about.
You’ll know your childcare, private school or tuition fee obligations. But did you know it costs roughly £1,500 - £2,500 per year to fund one child through state school? There’s sports, activities, after school clubs, uniforms, travel expenses, technology (such as a laptop or iPad) to consider.
Life insurance covers your obligations and debt. A lump sum on top offers extra comfort and options for your family after you’ve gone
Total up any savings, investments and life insurance policies that you intend to keep. When you die your savings go towards your debt anyway - so it’s important you’re not ‘over-insured’. That’s just a waste of money.
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With level term life insurance, the cover amount stays the same throughout the term. Decreasing term life insurance, on the other hand, has a cover amount that reduces over time
In terms of how much cover you need there’s no right or wrong answer, just what feels right for you based on your circumstances & budget. For example, you may want to multiply your annual income by two or three. That way, if a critical illness leads you to being off work, you know you’re covered for two or three years at least.
If combined, your policy will only pay out once. So if you claim on critical illness cover, then your life cover ends. Separate policies with a critical illness claim won't affect your life insurance, but consider the amount you need your critical illness cover to pay out.
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By clicking ‘Apply with insurer’ you will be diverted to the insurers website to answer a full set of questions, to confirm your exact quote and proceed with your application. This price is indicative and may increase subject to your health & lifestyle.
To purchase this policy you will need to provide your GP details
Continue with insurer% claims paid out: | {{selectedQuote.InsuranceProduct.ClaimsPaid}}% |
Can be put into trust: | Yes No |
Funeral pledge: | Yes No |
Life Cover: | £{{selectedQuote.CoverAmount | numberWithCommas}} |
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Critical illness cover: | £{{selectedQuote.CICCoverAmount | numberWithCommas}} |
Policy Length: | {{selectedQuote.Term}} years |
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Policy type: | Indexed |
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Critical illness cover: | £{{selectedQuote.CICCoverAmount | numberWithCommas}} |
Policy type: | Indexed |
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To purchase this policy, you need to provide your GP details
This price is guaranteed and approved by the insurer.
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Life Cover: |
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Critical illness cover: |
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You may need to enable pop-ups in your browser to download the policy documents. Cannot download? Contact LifeSearch on 0800 072 1144
But don't worry, this is an us problem not a you problem.
Don't forget LifeSearch include...
Changing these important answers will mean you'll need to answer the rest of process again.
Year | Premium | Sum assured |
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{{ year }} | £{{ getNumberWithCommasTwoDecimals(initialPremium * Math.pow(1 + inflationValue, index)) }} | £{{ getNumberWithCommas(Math.round(totalCover * Math.pow(1 + inflationValue, index))) }} |