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.
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Critical illness cover pays a tax-free lump sum if you’re diagnosed with a critical illness during the term of the policy. You decide on the length of the policy: many people choose to have cover until their kids have flown the nest, until the mortgage is paid, or until they plan to retire.
Think of critical illness cover like car insurance: you pay every month or year for it and hope you never ever need to use it, but you feel better knowing it’s there. Just in case.
All critical illness covers include the main serious illnesses you might suffer from - coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers.
The list doesn’t stop there though, as plans can cover many more, along with cover tailored to your kids.
Read more about what is covered by critical illness insurance here
If you're unfortunate enough to need to make a claim, the insurer will assess your situation, and assuming your diagnosis meets the terms & conditions they will payout directly to you. We have a dedicated claims team to help you every step of the way.
Terminal illness cover pays out at the point you're diagnosed with a terminal illness, rather than when you're no longer here.
Critical illness cover protects you if you're diagnosed with a critical, but not necessarily fatal, illness during the length of your protection.
These products often get confused as they both pay out in the event of illness. However, whilst critical illness cover provides a lump sum when you are diagnosed with a covered illness, income protection insurance provides a regular portion of your income if you are unable to work.
Terms & Conditions
LifeSearch compare quotes from all major UK insurers. Advice offered is free and all quotes given are without obligation. LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.
*Prices where indicated in adverts are based on the below criteria, as of 04/09/2024. Prices quoted may vary depending on your own individual circumstances including age, medical history, the sum assured, length of policy - and other variables.
Life Insurance from £3 per month:
25 year old, male client, non-smoker- level term assurance £100,000 over a 25 year term - £3.72 pm
Family Income Benefit from £5 per month:
30 year old female client, non-smoker- looking at £500 to be paid each month over a 18 year term - £5.00 pm
Critical Illness Cover from £5 per month:
25 year old male client, non-smoker- level term critical illness £20,000 over a 25 year term- £5.00 pm
Mortgage Protection Insurance from £5 per month:
30 year old female client, non-smoker- decreasing £150,000 over a 25 year term- £5.89 pm
Income Protection Insurance from £5 per month:
35 year old male client, non-smoker- admin assistant- 3 month deferment period- £1,000 to be paid out each month, for a maximum of 2 years per claim, covering up to the age of 65- £5.99 pm
Over 50s Insurance from £20 per month:
50 year old male client- non-smoker- over 50’s plan to pay out £6,267 for £20pm
60 year old male client- non-smoker- over 50’s plan to pay out £4,806 for £20pm