Martin Lewis strongly recommends that parents should at least think about getting life insurance to protect their family against potential financial difficulty. Life insurance pays out a lump sum to your children if a parent dies to support your family to continue to cope financially.
Do parents really need life insurance, according to Martin Lewis?
Martin Lewis is very clear that if a parent’s income keeps a roof over the family’s head or pays the everyday bills, then life insurance is not a luxury, it is basic protection. His simple starting point is to imagine the household budget if one parent died tomorrow: if the mortgage, rent or childcare costs would be hard or impossible to cover, then a policy that pays a lump sum or income to the surviving parent can stop money worries piling on top of grief. For many families this cover is surprisingly cheap, especially when bought through a discount broker and set up in the right way.
Who does Martin Lewis say should prioritise life insurance?
Martin Lewis repeatedly points to parents and partners with financial dependants, especially where there is a mortgage, rent to pay or very little savings. If a child or partner relies on your income, his view is that life insurance should usually come higher on the list than extras like gadget cover or extended warranties.
How much cover does Martin Lewis suggest as a starting point?
A famous rule of thumb Martin Lewis quotes is roughly ten times the main breadwinner’s annual salary for level term cover, then tweaking that for your mortgage balance, debts and how long the children will depend on you. It is a shortcut, not a perfect formula, but it gives busy parents a quick figure to work with instead of putting it off for years.
What type of life insurance does Martin Lewis usually talk about?
Most of his guidance focuses on term life insurance for families and mortgages, because it tends to be simple and relatively low cost. He also mentions over 50s life insurance and whole of life plans but is far more cautious about these and suggests parents check the small print carefully and consider alternatives first.
How does he say parents can cut the cost of life insurance?
His main tip is to compare quotes from specialist brokers rather than just taking whatever the bank or mortgage lender offers. On top of that, choosing the right term length, quitting smoking and reviewing older policies can all make a noticeable difference to monthly premiums.
Key Points: Does Martin Lewis recommend life insurance for UK families?
- Life insurance is one of the cheapest ways for parents to protect children from financial shock if a parent dies.
- Martin Lewis focuses on parents and partners with dependants, especially where there is a mortgage or rent and little in savings.
- A common starting point he suggests is around ten times the main earner’s salary, adjusted for debts and children’s ages.
- Term life insurance is usually the go to option for families, with separate choices for mortgages, family cover and income replacement.
- Buying through discount brokers, checking work benefits and avoiding overpriced over 50s plans can save families thousands over time.
- Writing life cover in trust can help children receive money faster and potentially sidestep inheritance tax on the payout.
- Parents who smoke, vape or have health issues can still get cover, but premiums are higher, which makes shopping around essential.
- There are free routes to complain or get extra help if you are refused cover or feel you have been badly advised.
Life insurance provides essential financial protection against the potential risks for a family losing a parent, providing a cash lump sum to your children if you die. In this independent guide, our team of insurance experts looks at what Martin Lewis and other money-saving experts say about life insurance.
DISCLAIMER: MoneyPeopleOnline is an independent money saving website created to help parents save money and protect what’s important. We provide expert reviews to help families to spend less and get our best cover, created by our team of highly qualified financial experts.
Our MoneyPeopleOnline guide to Martin Lewis Life Insurance
As parents with nearly three decades of experience and expertise in life insurance, we’ve added some of our own tips about this topic to help our community to protect their kids. Martin Lewis has spoken about life cover in the past, and this is simply an up-to-date guide with some of the latest information about life insurance costs, regulation, and how it works for parents in today’s world.
What does Martin Lewis say about life insurance for parents?
Martin Lewis has said that parents should have some life insurance in place to protect their children, and the general rule for him is ‘Ten times the main breadwinner’s salary’. This is a reasonable piece of advice and can be used to help you to get started with sorting out what life insurance you need and how much it might cost.
Our insurance experts and family finance team have looked closely at the key points that Martin Lewis makes about life insurance, and we explain how it works for parents. There are still several main points to think about with life cover, including how long to take a policy for and which type of life insurance is best for your circumstances.
Martin Lewis talks about Life Insurance – How Much? | This Morning
In this quick clip, Martin Lewis explains how to decide how much life insurance parents need to protect their family.
Martin Lewis clearly has very strong views about life insurance from his own personal experiences and the work that he does with children’s bereavement charities. Life insurance is one of many personal finance topics that Martin Lewis talks about on his money-saving website and on TV appearances.
Life Insurance Experts for Parents
Martin Lewis life insurance top recommendations
Most personal finance experts recommend life insurance, especially for parents or anyone with financial dependents. Martin Lewis life insurance recommendations include how much cover you should consider and what might happen to your family if you don’t have life cover.
One of the key Martin Lewis life insurance messages is ‘it is something that every parent, partner, or someone with dependents should consider’. That being said, Mr Lewis doesn’t say that you need to have it, and it’s also only suitable for people who need cover and can afford it.
We’ve also included a link to a Martin Lewis Life Insurance interview on ITV’s This Morning from a few years ago, with presenters Holly Willoughby and Phil Schofield. This clearly highlights some strong personal views about life insurance and tackles some of the taboos that parents have about this topic.
Another critical point that Martin Lewis raises about life insurance is that it helps to reduce potentially catastrophic emotional distress after the loss of a parent or loved one. He says, “Imagine the heartbreak of losing a parent, and then add to that the financial distress of not being able to pay your bills.” We think that this is a very important message and one that needs to be highlighted to parents that don’t have life insurance.
Martin Lewis’ talks about Life Insurance – Different Types | This Morning
In this clip, Martin Lewis explains how the different types of life insurance work and talks about why this is important for parents.
What is the Martin Lewis ‘Ten Times’ life insurance rule?
Martin Lewis has said that parents should consider ‘ten times the main breadwinner’s salary‘ as a good place to start when thinking about how much life cover you need to protect your family. The ten times rule was originally mentioned by Mr Lewis in his straight-talking discussion about life cover on This Morning in February 2018.
Since then, quite a lot has changed for millions of families, and this rule might not still apply to lots of people, so it is a good idea to use a life insurance calculator or speak to an expert. There are lots of variables to this about this rule; for example, it may not work for older parents on higher incomes or parents with a pre-existing medical condition.
Our MPO top life insurance tip for parents is to think about how much you can afford to pay first and then look at how much cover you can get for that. Also, this is a policy that is supposed to last for 20 to 40 years, so make sure you can pay it now and in the future.
You can also use our MoneyPeopleOnline life insurance calculator to help you to work out roughly how much cover you need to protect your family.
How does life insurance work?
Life insurance pays out a cash lump sum to protect your family and your home if you or your partner dies during the term of the policy. There are four main types of life insurance; the three most common types are
- Family life insurance (level term life insurance)
- Mortgage life insurance (decreasing term life insurance)
- Family Income Benefit
Parents are the most likely people to take out life insurance to provide financial protection to their family and peace of mind for them if anything did happen. The most common type of life insurance is called ‘term life insurance’ or ‘family life insurance’ which pays out if the policyholder dies within the term of the policy (typically 20 to 30 years).
Key facts about life insurance
51% of parents has life insurance
The most recent figures from MetLife Insurance suggest that just over half of all UK parents has a life insurance policy to protect their children or mortgage. Surveys like this are conducted regularly by insurers and independent organisations, but the percentage of parents with life cover tends to remain similar year on year.
1 in 20 children will lose a parent before 18
Sadly, around 1 in 20 children will lose one or both of their parents before the age of 18. According to Winston’s Wish (the children’s bereavement charity), a parent dies every 20 minutes in the UK.
Note: These figures are based on a study conducted in 2011, so the actual numbers may now be higher than this and many charities are now campaigning for new studies to be funded.
Life insurance pays out 98% of claims
Many parents are surprised to learn that life insurance usually pays out, as other types of policies have a bad reputation for often denying claims.
The latest research from the Association of British Insurers (ABI) found that insurance companies accept around 98.3% of all new individual life insurance claims. This includes claims for standard life insurance policies, as well as related products like income protection and critical illness cover.
Premiums start from £5† per month
Life insurance can be surprisingly affordable, and many insurers will offer prices that start from as little as £5† per month. The price will vary based on your age, and it’s typically younger applicants in their 20s or 30s that can access our best prices. Life insurance typically costs more if you apply at an older age, as insurers see older applicants as having a higher risk of claiming.
Life insurance can be cancelled without penalty (no tie-in)
You should never be asked to pay any fees or charges for cancelling your life insurance policy. You’re not tied into your life insurance permanently and you can cancel your policy at any point. You also don’t need to justify your reasons for cancelling to your insurer or broker, though they may ask you why you want to cancel your cover.
Life insurance has no cash-in value
Most life insurance policies in the UK don’t include any investment element, so they don’t hold any cash-in value. Put simply, this means that you can’t cash in your policy to receive your full sum assured and your policy will only pay out if you die or become terminally ill*.
You also wont receive a refund of any premiums that you have paid for your policy, unless you cancel your cover within the insurer’s ‘cooling off’ period. This is usually the first 14 or 30 days of your policy, but this can very depending on which insurance company you have chosen.
*You can only claim for terminal illness if terminal illness benefit is included within or added to your policy. Your claim also needs to meet the exact definition set by your insurer (typically a life expectancy of 12 months or less).
Mortgage life insurance is not mandatory (it is optional)
While it is recommended to take out life insurance to protect your mortgage, this is always optional. Your mortgage lender can’t force you take out life insurance, but it can sometimes help your chances of your application being approved. This is especially true if you are applying for a particularly large mortgage, as having life insurance can reassure the lender that your mortgage can be repaid even if you die.
Life insurance pays out for suicide
This can be a difficult topic to discuss, but it’s important to understand when your life insurance policy will and won’t pay out. Most UK life insurance policies will pay out for suicidal death, but there is usually an initial waiting period where you would not be covered for suicide. This is usually 12 months or 24 months depending on the insurance company.
Pros
- Provides financial security for your family.
- Wide range of insurance companies and policies to choose from.
- Can customise your policy to suit your needs and budget.
- Can protect you up to age 90 (term life insurance) or even older (whole life insurance).
Cons
- Prices will be based on your age at the time you apply and will cost more for older applicants.
- Policies are often more expensive for people with medical conditions.
- Can be difficult to compare your all of your options to find the right policy.
- Cover might not be available at all depending on your circumstances.
These are some simple facts about life insurance that most parents aren’t aware of and are not told about. We think that it’s important to at least understand the basics about life insurance before you decide what you want.
Protect Your Family
How does Martin Lewis support kids who have lost parents?
There are also several incredible charities that help children and young adults to deal with bereavement. Martin Lewis is an Honorary Ambassador of one of these charities, called Grief Encounter, which provides grief support services to thousands of kids every year.
These and other organisations provide vital lifesaving support to children who have lost a parent or a loved one. The effects of bereavement are emotionally traumatic and can last for a whole lifetime.
Personal Finance Experts for Parents
Where does Martin Lewis suggest to buy life insurance?
Martin Lewis also makes some very good points on his website about where to buy life insurance. You might be surprised to learn that most banks are actually more expensive for buying life insurance, despite some claims that suggest they are being cheaper.
The cheapest life insurance premiums are usually available through a discount broker◊, or you can get life insurance through a broker who will also be able to guide you on the best cover to protect your family. There are literally thousands of options when it comes to insurance brokers, and you should ideally look for the highest rated or top results on Google.
In the tables below, we’ve compared life insurance premiums from the leading price comparison websites, such as MoneySupermarket.com and ComparetheMarket.com, discount brokers◊, such as Cavendish Online, and a typical life insurance broker price. As you can see from the latest results in the table below, prices can vary, and it’s usually best to speak to a life insurance specialist, especially if you have specific needs (e.g., medical history, occupations, or sports) or if you need guidance.
Price Comparison – Discount Broker◊ vs Price Comparison Website (family life insurance)
| Age (non-smoker) | Price Comparison website | Life Insurance broker | Discount Life Insurance broker◊ |
|---|---|---|---|
| Age 20 | £4.55 (QuotemeHappy) | £5.41 (Scottish Widows) | £3.67 (HSBC) |
| Age 30 | £7.01 (Beagle Street) | £7.72 (Legal & General) | £5.81 (HSBC) |
| Age 40 | £15.42 (Beagle Street) | £14.48 (Legal & General) | £11.54 (Legal & General) |
| Age 50 | £38.53 (QuotemeHappy) | £38.70 (Scottish Widows) | £30.78 (Legal & General) |
| Age 60 | £110.81 (Zurich) | £114.47 (Scottish Widows) | £93.46 (Zurich) |
| Age (smoker) | Price Comparison websites | Life Insurance broker | Discount Life Insurance broker◊ |
|---|---|---|---|
| Age 20 | £6.70 (Beagle Street) | £6.93 (Aviva) | £5.20 (HSBC) |
| Age 30 | £12.14 (Beagle Street) | £12.27 (Scottish Widows) | £9.75 (HSBC) |
| Age 40 | £32.22 (Beagle Street) | £30.98 (Scottish Widows) | £24.69 (Legal & General) |
| Age 50 | £94.47 (Beagle Street) | £94.19 (Legal & General) | £70.09 (Legal & General) |
| Age 60 | £298.65 (Legal & General) | £231.39 | £220.73 (Legal & General) |
Price Comparison – Discount Broker◊ vs Price Comparison Site (mortgage life insurance)
| Age (non-smoker) | Price Comparison websites | Life Insurance broker | Discount broker◊ |
|---|---|---|---|
| Age 20 | £4.19 (Beagle Street) | £5.00 (Scottish Widows) | £2.84 (HSBC) |
| Age 30 | £5.22 (Beagle Street) | £6.20 (Zurich) | £4.01 (HSBC) |
| Age 40 | £9.88 (Beagle Street) | £10.53 (Scottish Widows) | £7.71 (Legal & General) |
| Age 50 | £24.75 (Beagle Street) | £23.73 (Scottish Widows) | £18.55 (Beagle Street) |
| Age 60 | £73.73 (Zurich) | £67.64 (Legal & General) | £49.31 (Royal London) |
| Age (smoker) | Price Comparison websites | Life Insurance broker | Discount broker◊ |
|---|---|---|---|
| Age 20 | £5.67 (Beagle Street) | £5.87 (Scottish Widows) | £3.97 (HSBC) |
| Age 30 | £8.35 (Beagle Street) | £9.44 (Zurich) | £6.68 (Beagle Street) |
| Age 40 | £19.98 (Beagle Street) | £21.27 (Scottish Widows) | £15.41 (Legal & General) |
| Age 50 | £58.26 (Beagle Street) | £59.56 (Scottish Widows) | £44.25 (Legal & General) |
| Age 60 | £200.83 (Legal & General) | £171.75 (Legal & General) | £132.32 (Royal London) |
Note: All of the quotes above are based on £200,000 of life insurance over 25 years and prices may vary for different policy terms and cover amounts. These quotes were also based on an applicant with no medical conditions, and prices can vary significantly based on your health, lifestyle, and occupation.
Cheapest Life Insurance Quotes summary
Life insurance premiums have stayed roughly the same for most people over the past six to twelve months, although premiums have dropped for older lives (e.g., over 50), which could be because data is showing people are living longer on average. Our latest research also shows that discount life insurance brokers◊ are still the cheapest option, but this is only for people who know exactly what type of cover they need and how much they want.
Our recommendation is to speak to a life insurance broker who can guide you on which cover would be best to protect your family and compare quotes for you from the top insurance companies. We can also see that there are several of the usual and most common life insurance brands who are consistently appearing amongst the cheapest to protect families.
Compare Our Best Life Insurance Quotes
What does Martin Lewis say about Advised vs Non-advised life insurance brokers?
Martin Lewis also mentions advised and non-advised life insurance brokers, which is important, but it’s not always critical. Most of the top life insurance specialists provide free advice*, and this can help you to decide which cover is best, but the final decision will be yours.
There are also some large non-advised life insurance brokers that we wouldn’t recommend dealing with, such as:
- Bon Accord (charge a cancellation fee)
Some brokers can be more pushy than others, and in our opinion, these might not be the right way for you to get the most suitable and cheapest life cover to protect your family.
Our Insurer Went Bust! Here’s How We Got Money Back
This short video explains how the Financial Services Compensation Scheme works and how it can help you and your family if your insurance company goes bust.
What types of life insurance are available?
Martin Lewis talks about family life insurance (level term insurance) on his TV appearance on This Morning but also says that there are other options. There are four main types of life cover, including family protection, mortgage protection, whole of life, and family income benefit.
Note: We also wanted to mention that ‘Joint Life Insurance’ is not a type of life insurance and that this is an option that is available on most policies. You can choose to have joint or single life insurance with almost any of the different cover types.
While it’s important to understand that there are several different options for life insurance, the main two are family life insurance (level term life insurance) and mortgage life insurance (decreasing term life insurance).
Family life insurance (Level term life insurance)
Family life insurance (Level term life insurance) is by far the most common and most popular type of cover. This type of cover pays out a level lump sum which is fixed until the end of the term or earlier if you die.
Mr Lewis also mentions that you can’t usually remain covered past the age of 80, however most providers will now cover you to 90 years of age. This can be a very good alternative to Over 50s life insurance for those looking for funeral cover for example.
Mortgage life insurance (Decreasing term life insurance)
Mortgage life insurance (Decreasing term life insurance) is the second most popular type of life insurance and it is specifically designed to cover your mortgage if you die. This simply means that the life insurance policy would pay out a lump sum that would repay your mortgage balance as it reduces so that your family wouldn’t need to continue to make mortgage repayments.
Mortgage life insurance is not designed to provide an additional lump sum for your dependents for other debts, and other outgoings. You can have mortgage life insurance policy to repay your mortgage balance and a family life insurance policy to provide a lump sum for other costs, which is the recommended option if it’s affordable.
Over 50s Life Cover
Many financial experts talk about Over 50s Life Insurance, including Martin Lewis and his money saving website. Over 50s life cover is a type of funeral protection insurance and should not be categorised as a type of life insurance.
Over 50s policies will generally only cover for small sums which are typically up to a maximum of £10,000 to cover the cost of a funeral. These policies may not be suitable for you if you want a higher level of cover.
For more information about the different types of life insurance policies, you should speak to an insurance adviser.
Does Martin Lewis say that I really need life insurance?
One of the most common misconceptions about life insurance is that you need cover to get a mortgage. This isn’t the case, and your mortgage lender may request that you take out life cover, but they shouldn’t have this as a condition of a mortgage offer.
Money-saving websites also mention that ‘you’re not obliged to have life insurance’, which is correct because life insurance is not mandatory, not even with a mortgage. The Financial Conduct Authority (FCA) regulates the life insurance industry in the United Kingdom to ensure that customers (families and parents) receive fair value and the products provided meet their needs. This is important to consumers because of what it means to how life insurance companies operate, which products they offer, and ultimately the cost of the policies that they sell.
There are two main reasons why you ‘might’ not need life insurance, which are:
- If you don’t have dependents, you don’t need life insurance. We should be clear that a ‘dependent’ is a person who is financially or emotionally reliant on you. This can be a partner, child, or even an elderly parent. Life insurance is designed to provide financial protection to anyone that you want the money to go to; this can be anyone in your family or even a close friend. We’d suggest that you think about what financial and emotional impact there would be if you died and how your loved ones would cope if you died.
- Check if you’ve any cover with your employer. We would strongly recommend that you take out your own life insurance to protect your family and not rely solely on cover through your employer. One of the biggest risks with this is if you leave your job for any reason or if you lose your job, then you won’t be covered. Also, the amount of cover that you get (usually four times your salary) would not be enough to pay off your mortgage and provide sufficient financial protection for your family.
What do I need to know about life insurance?
There are lots of hints and tips when thinking about taking out life insurance to protect your family. Here are some of the top tips to help.
1. Take ‘Guaranteed Premiums’ to fix your monthly costs
Guaranteed premiums are the best way to set up your life insurance cover and in reality the cost is almost the same as reviewable life insurance. You should almost always be offered guaranteed life insurance premiums as a default option and reviewable is only available by request.
There are also some life insurance policies which are reviewable, such as the Vitality life insurance ‘Optimiser’ policy. This is a specific health and wellbeing related policy which offers an upfront discount on your premiums of up to 40% and your premiums increase if you don’t engage in the active rewards scheme (e.g. steps, activity, medicals, healthy eating etc.).
2. Disclose your medical conditions when you apply for Life Insurance.
If you intentionally fail to disclose medical, health, or lifestyle information on your life insurance application then your cover may be void. Obviously, the implications of this could be catastrophic and your family could be severely financially impacted if you died and your claim was refused.
Martin Lewis has also suggested that premiums for pre-existing conditions will cost significantly more, which isn’t necessarily true. Life insurance premiums are always based on your health and medical history which is linked to your life expectancy, however this can be minimal if your condition is well managed or not serious.
Note: Money saving websites also recommend that you consider Over 50’s life insurance if you are indeed over the age of 50 and you want cover without any medical questions. This can be a good alternative, but only if you need to get cover for smaller amounts and not for large amounts of cover.
3. Write your policy ‘in trust’ and the money can’t be claimed by the taxman
Most life insurance policies can be written in trust for free and this is usually done via your life insurance broker. It is sound advice to write your life insurance in trust to help your family to avoid paying inheritance tax on the pay out (benefit).
As it also suggests on the Martin Lewis life insurance guide, this is a legal document which assigns the payout to your family to avoid it becoming part of your estate, which can significantly reduce the time it takes for your family to receive their money.
Inheritance Tax only applies to people with an estate which is over the threshold for them and their partner (if applicable). The current threshold for inheritance tax is £325,000 per person or £650,000 for couples, which is significantly more than most families would have in their estate.
Most life insurance companies (providers) have an online trust platform which allows you to complete your trust details online, if your broker does not offer this service. The main type of trust that you should complete for life insurance is ‘discretionary trust deed’ which can be changed in the future.
4. You can switch your policies to save money (e.g. if you’ve quit smoking) but savings aren’t always possible
We strongly recommend that you regularly review your life insurance, this at least tells you how much cover you have, how much you’re paying, and who your cover is with.
What it doesn’t say on the Martin Lewis life insurance guide, is that you should regularly check to make sure that your cover is still suitable. Our financial needs change regularly throughout our lifetime and so do our protection needs which can lead to needing more or even less life insurance.
Changes in our lifestyle (e.g. quitting smoking) can help to significantly reduce your life insurance premiums, but this is probably less common in the modern era. The most important thing here is to make sure that your cover still suits your needs, for example if you have remortgaged, if you’ve had more children, or if you’ve changed jobs.
5. You have protection if your insurer goes bust.
There is protection for consumers if an insurer goes bust, this comes from the Financial Services Compensation Scheme (FSCS) which is a government backed regulatory body.
If your insurance company stops selling life insurance or goes bust then your policy would typically be passed on to another insurance provider. The Financial Services Compensation Scheme (FSCS) will typically control this process to make sure that this does happen.
In the unlikely event that you have an ongoing claim at the point that an insurer goes bust, then your claim would usually be picked up by the FSCS and they can also cover the costs of any claims for you if there is potential for financial loss.
All non-compulsory insurance policies, such as life insurance, home insurance, and travel insurance are covered by the Financial Services Compensation Scheme (FSCS), which protects you as the policyholder and will cover 90% of your premiums paid or money that you have spent. There is an unlikely situation where you could lose 10% of what you have paid out, but it is more likely that your policy would be transferred to another provider (e.g. in the cases of AIG, Aegon, Friends Life, etc. who have all sold their policies to another provider).
Personal Finance Experts for Parents
How can I find cheaper life insurance Martin Lewis?
Money-saving websites often talk about how to get the cheapest life insurance, which can save you money but also might mean that you could afford to get more cover. There are some really useful guides on how you can save money on life insurance to get the most amount of cover for your budget.
How can I save money on life insurance?
Despite the links between Martin Lewis and MoneySupermarket.com, price comparison websites aren’t usually the best way for families to buy life insurance. If you need help or you don’t completely understand all of the options that are available with life insurance, then you should speak to a specialist or an expert to explain how it all works.
Get a policy from a non-advised broker
There are several big non-advised life insurance brokers in the UK and most of them can offer cheaper premiums than other more expensive options. You will usually be contacted by a life insurance expert or specialist who will help you to find the most suitable cover as well as aiming to keep your premiums low.
There are some non-advised life insurance brokers who are not ideal for people with pre-existing medical conditions or for people with specific protection needs, so you should check before you go any further. Reassured is the highest rated life insurance specialist in the UK currently, and they offer an exceptional level of service for families and individuals.
How to buy life insurance with MoneyPeopleOnline
MoneyPeopleOnline is a life insurance and personal finance expert for parents and families all over the UK. Our life insurance specialists have over 30 years’ experience and have helped thousands of families like yours to get our best cover at the right price.
Our partners at Reassured offer free guidance to families and parents, providing you with affordable life insurance quotes from a panel of the UK’s top life insurance companies. They provide you with a no-obligation quote to help you to protect your whole family against financial loss.
Compare Our Best Life Insurance Quotes
Find the right cover to protect you and your family. Compare quotes from some of the UK’s leading Life Insurance brands.
