LifeSearch Family Life Insurance Review 2026
Up until recently, LifeSearch has been regarded as the biggest and one of the top life insurance experts for families. This life insurance broker was originally founded in 1981 by Tom Baigrie and claims to have protected nearly 1 million families in the UK, which is an impressive number.
If you’ve ever applied for life insurance through a website like MoneySavingExpert, you might be surprised to find that you’ve actually applied for life insurance through LifeSearch. LifeSearch is one of the UK’s biggest independent insurance brokers, and they partner with some of the UK’s most popular websites (e.g. MSE, MoneySupermarket).
It’s not uncommon for insurance brokers like LifeSearch to partner with other websites and companies, but it is important to know exactly who you are dealing with. Life insurance can make a huge difference to your family if the worst happens, so it’s best to have the full picture of who you are buying your policy from.
Our MPO financial experts want to make sure that you’ve got all the information that you need before buying life cover through LifeSearch or another independent insurance broker. In this guide, we explain how LifeSearch life insurance works, whether you need to pay any fees, and how to get in touch if you have any problems with your policy.
60 Second Summary – LifeSearch Family Life Insurance Review 2026
With thousands of customers and a wide range of partners, LifeSearch is without doubt one of the UK’s biggest insurance brokers. You can buy various policies from LifeSearch, which includes life insurance, critical illness cover, and income protection insurance.
Our independent guide to LifeSearch also includes a full breakdown of which companies LifeSearch partners with – and some of these might surprise you!
- LifeSearch has more than 900,000 life insurance and income protection customers across the UK. Many of these customers will have come through to LifeSearch due to their partnerships with high-profile websites like Compare the Market and MoneySupermarket.
- LifeSearch is an ‘advised broker’, which means that their team can provide advice about which policies might work well for you and your family.
- Though you can request a quote online, you can’t buy life insurance online with LifeSearch. One of their agents will contact you to arrange your policy if you have filled in an enquiry form through their website or one of their partner’s websites.
- If you have pre-existing conditions, it might be better to avoid LifeSearch and speak to a specialist broker instead. LifeSearch doesn’t specialise in this area and only has a limited panel of insurers, so you could end up paying more than you should.
- LifeSearch is only one of many independent insurance brokers in the UK. If they don’t feel like the right for you, there are a range of other options to choose from.
Can I buy life insurance from LifeSearch?
LifeSearch sells a range of different insurance products to protect your family, including several types of life insurance. You can also buy policies that protect you and your family from the financial impact of serious illnesses or injuries (critical illness cover, income protection).
One thing that is important to note is that the team at LifeSearch are insurance brokers and they are not an insurance provider. They compare prices from a range of UK insurers like AIG, Aviva, and Legal & General and then sell policies provided by one of these companies.
Key facts about LifeSearch:
- You won’t be charged a fee to buy a policy through LifeSearch, as they make their money by receiving commission payments from the insurers directly.
- LifeSearch offers full life insurance advice, as well as Trust writing services and help with claims handling when needed.
LifeSearch gets a lot of its customers by partnering with popular price comparison websites and consumer advice sites like Which?. Some websites make it more obvious than others that you are applying for cover with LifeSearch rather than with their own team.
There is also the possibility that you have gone directly to LifeSearch to apply if you have seen one of their adverts online or on TV.
LifeSearch Family Life Insurance
LifeSearch provides free life insurance advice to families and has protected over 1.5 million people.
Which insurers does LifeSearch work with?
LifeSearch isn’t a ‘whole market’ broker, so they can only offer policies through an approved panel of insurance partners. Currently, LifeSearch can sell policies from the following UK insurance companies:
- AIG
- Aviva
- Beagle Street
- British Friendly
- The Exeter
- Legal and General
- LV= (Liverpool Victoria)
- Royal London
- Scottish Widows
- Unum
- Vitality
- Zurich
How does LifeSearch work?
When you apply for life insurance through any of LifeSearch’s partner websites or affiliates then you will be contacted by a LifeSearch advisor or agent.
You will be asked to complete a life insurance questionnaire or ‘fact find’ at this point. This helps to gather information about your needs and circumstances and makes sure that the advice they offer to you is appropriate to your requirements. Then you can be more certain you are getting the right cover to protect your family or business.
Your advisor will then perform a search of its life insurance providers, which allows them to find the cheapest and most suitable cover from the available panel.
Is LifeSearch.co.uk legit?
LifeSearch Limited is a fully regulated insurance broker, which means that everything that they do has to meet a certain standard. If they are found to be mis-selling policies or treating customers unfairly, they risk being fined by the Financial Conduct Authority.
LifeSearch FCA number – 65479
It’s fair to worry about being scammed by a company that you are unfamiliar with, but LifeSearch is a genuine company. This is reflected in their positive customer feedback on Trustpilot, where they are rated 4.9 out of 5.0 Stars based on over 22,000 reviews.
LifeSearch Trustpilot score July 2026
Who is the founder of LifeSearch?
LifeSearch was founded by Tom Baigrie and his business partner Arthur Davies back in 1998. Tom Baigrie was inspired to start LifeSearch after selling a life insurance policy to his friend, who sadly lost his life not long after.
Mr Baigrie noted the difference that his friend’s life insurance pay out made to his family, and he wanted to provide this financial security for as many people as possible across the UK.
Note: After 20 years of running LifeSearch Insurance, Tom Baigrie stepped down as CEO in 2021 and was replaced by Debbie Kennedy. He is still the Company Chair for LifeSearch as of 2024.
Is LifeSearch in Leeds?
There are offices for LifeSearch in London, Leeds, and Milton Keynes, as well as insurance advisors who work remotely. LifeSearch doesn’t see customers face to face in their offices and only sells policies over the phone.
Who does LifeSearch work with?
Our MPO financial experts have done some digging to find out which of the UK’s most popular comparison sites and consumer advice sites use LifeSearch as their life insurance partners.
A lot of websites that you will be familiar with partner with LifeSearch to provide their life insurance policies, as can be seen in the examples below.
MoneySavingExpert
MoneySavingExpert doesn’t have an exclusive partnership with LifeSearch, but LifeSearch appears in MSE’s recommended list of advised brokers. MSE provides several suggestions based on current cashback offers, which can be accessed by following a link.
MoneySupermarket
MoneySupermarket’s life insurance quote form has a ‘blink and you’ll miss it’ reference to LifeSearch in the top right-hand corner. LifeSearch’s phone number and opening hours appear along with the phrase ‘Get Free Life Insurance Advice from LifeSearch’.
Compare the Market
Compare the Market has the most subtle nod to their life insurance partner on their life insurance quote request page. If you aren’t looking closely, chances are high that you will miss the small text and LifeSearch logo in the top right corner of the page.
Which?
Which is very transparent in its partnership with LifeSearch, with its life insurance quote form being hosted on the LifeSearch website itself.
Money to the Masses
Money to the Masses currently has a life insurance cashback offer in partnership with LifeSearch. This is highlighted in a yellow block on the right-hand side of their life insurance guide pages. In this block, they state ‘Our partner LifeSearch will help you to get the best and cheapest life insurance’.
MoneyExpert.com
It’s not initially obvious that MoneyExpert.com partners with LifeSearch for their life insurance policies and advice. You could fill in the entire form without realising unless you scroll down to see this block at the very bottom of the page.
LifeSearch also partners with a range of other financial services websites like:
We want to make it clear that there isn’t necessarily anything wrong with websites like this partnering with an insurance broker. If anything, it is better for them to partner with an experienced broker if they don’t have the resources to provide proper advice themselves.
The key is to be transparent about this relationship, as it isn’t always clear that the insurance is provided by a partner unless you check every inch of the webpage for a disclaimer or partner logo.
Does LifeSearch work with other insurance brokers?
In July 2024, it was announced that LifeSearch will now be partnered with a huge global insurance broker Gallagher. Through this partnership, LifeSearch can now offer a wider range of products, mainly commercial insurance policies for businesses.
In return, they now offer insurance advice to Gallagher customers who are looking for personal insurance policies, like life insurance and income protection insurance.
How do I contact LifeSearch?
LifeSearch sales team and customer service team can be contacted by telephone, and we have listed the main LifeSearch contact details below.
Telephone – 0800 316 3166
Email – info@lifesearch.co.uk
Opening times – Monday to Friday 8am – 8pm | Saturday 9am – 2pm | Sunday 10am – 3:30pm
Post:
401 Grafton Gate East,
Milton Keynes,
MK9 1AT
Can I complain about LifeSearch?
There may be occasions where you might need to make a complaint about LifeSearch, because of customer service issues or problems with your policy. You should always complain if you feel that you have been badly treated, and these are the complaints contact details for LifeSearch.
LifeSearch complaints contact details
Telephone – 0800 316 7253
Email – customercare@lifesearch.co.uk
Post:
The Complaints Officer,
LifeSearch Limited,
401 Grafton Gate East,
Milton Keynes,
MK9 1AT
You are also within your rights to escalate your complaint to the Financial Ombudsman Service (FOS). You can do this if you feel that your complaint has not been dealt with properly.
Is LifeSearch good for people with pre-existing conditions?
LifeSearch is probably the biggest independent insurance broker in the UK (over 900,000 customers), closely followed by ReAssured (over 70,000 customers). Though they are popular choices, neither of these businesses specialises in insurance for people with pre-existing medical conditions.
Having a pre-existing condition can unfortunately make it more complicated to get the insurance that you need to protect your partner or children. You may be declined or charged much more than you should be if you don’t speak to the right insurance companies.
If you have one or more pre-existing conditions, LifeSearch is not likely to be the right broker for you and you would be better off speaking to a medical conditions specialist.
Should I buy life insurance from LifeSearch?
If you are thinking about buying your life insurance through a broker like LifeSearch, you should consider the pros and cons first. Our MPO finance experts have put together this table to highlight some of the main advantages and disadvantages of buying through LifeSearch.
Pros and cons of buying life insurance from LifeSearch
Pros
- Competitive pricing and multiple options for policies through their panel of providers.
- Free advice (no fees) about your life insurance policy.
- Fully regulated by the FCA and thousands of positive customer reviews.
- Certain LifeSearch partners offer cashback rewards for buying through LifeSearch.
Cons
- Not a ‘whole of market’ broker, so can’t offer policies from all insurance providers.
- Not the best option for people with medical conditions, as they aren’t specialists.
- Company is large, so service is less personal.
- Other brokers may be able to offer lower prices.
You have literally hundreds of options available to you when thinking about buying life insurance to protect your family, home or business.
This can be amazing, but it can also be extremely confusing because many people simply don’t know what options are the best for them. One of the easiest ways to find out about the best companies is to look at what their review scores and customer feedback looks like.
MoneyPeopleOnline.co.uk does not offer life insurance advice but we have carefully selected a Life Cover Specialist who we think will be able to help you. If you need advice or assistance to protect your family, then you can CLICK HERE or call 0800 009 6559.
