Protect your family with the right cover from 30+ insurers.
We compare over 30 UK life insurers in minutes, so your family is covered at a price that works for you. A qualified adviser handles everything.
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What is life insurance?
Life insurance pays a tax-free lump sum to your family if you die during the policy term. That money can clear a mortgage, replace your income, or cover everyday living costs. It gives your family financial security when they need it most.
Most people can get covered for as little as £5–£15 a month. Premiums are fixed at the start, so the price you see today is the price you pay for the full term.
There are several types of cover, and the right one depends on what you need to protect. A qualified adviser will match you to the right policy from 30+ insurers, so you're not paying for cover you don't need.
Important: Life insurance is not a savings product. It pays out only if you die during the policy term. If you outlive the term, the policy ends with no cash value unless you have a whole of life policy.
Life insurance advice is regulated by the Financial Conduct Authority (FCA). Applications are handled by qualified advisers who are authorised and regulated by the FCA, so you're protected by strict rules on fair treatment, clear information, and suitability.
Types of cover
We compare all of them for you
Which type of life insurance do you need?
Different cover types suit different needs. Your adviser will match you to the right one. Here's what each does.
Level term life insurance
Pays a fixed lump sum if you die within the term. Premiums are fixed for the whole policy. Ideal for protecting your family's income or paying off an interest-only mortgage.
Decreasing term life insurance
Payout reduces over the term in line with your outstanding mortgage balance. Cheaper than level term and ideal if your main goal is clearing a repayment mortgage.
Whole of life insurance
Covers you for your entire life. The payout is guaranteed regardless of when you die. Often used for inheritance tax planning or leaving a guaranteed gift to your family.
Critical illness cover
Pays out a tax-free lump sum if you're diagnosed with a specified serious illness, including cancer, heart attack, stroke and more. Can be added to a life policy or taken out separately.
Income protection
Pays a monthly income if you can't work due to illness or injury. Replaces up to 70% of your salary. The most comprehensive way to protect your lifestyle if your income stops.
Joint life insurance
Covers two people on a single policy, typically a couple. Pays out on the first death. Often cheaper than two separate policies, and straightforward for protecting a shared mortgage.
Why life insurance matters
Cover from £5 a month gives your family a financial safety net when it matters most. Here's what you're protecting.
Your mortgage is covered
A life insurance payout can clear the outstanding mortgage balance, so your family keeps the home. You choose the cover amount and term to match your mortgage exactly.
Your family's income is replaced
If you're the main earner, a lump sum gives your family the financial breathing room to adjust. It can replace several years of income and maintain their standard of living.
Cover starts from £5/month
Most non-smokers in their 30s can get £200,000+ of life cover for under £15 a month. We compare 30+ insurers to make sure you're getting the right rate for your age and health.
Premiums are fixed
The price you're quoted today stays the same for the full policy term. No surprises, no annual increases. Just a fixed monthly amount you can plan around.
No medical usually required
Most people can get covered with just a few health questions. No nurse visit, no blood tests. Even if you have a pre-existing condition, options are usually available.
Payout is tax-free
Life insurance payouts are tax-free and typically paid quickly. Your family receives the full sum assured without deductions. Writing a policy in trust can also avoid inheritance tax.
Covered in three simple steps
From your first question to policy in force. Here's how Albot gets you there.
Quick questions
Tell us your age, health, cover amount, and what you need to protect. Takes 90 seconds.
⏱ 90 secondsSee your quotes
Albot compares 30+ UK insurers and shows you the best quotes for your exact profile.
⚡ Instant resultsAdviser completes it
A qualified adviser confirms suitability, completes your application, and gets your policy in force.
👤 FCA regulatedThe smarter way to find life cover
We combine instant comparison with expert advisers, so you get the right cover at the right price, without the guesswork.
30+ insurers compared
We search the whole market in seconds, not just one or two providers. You see the best rate available for your exact profile.
Qualified adviser included
A qualified insurance adviser confirms the policy is right for you and handles your application. Authorised and regulated by the FCA.
No hidden fees
Your quote is what you pay. No admin fees, no add-ons buried in small print. The premium shown is the premium you pay.
Won't affect your credit
Getting a life insurance quote does not involve a credit check. Your credit score is unaffected, so you can explore options freely.
Common questions about life insurance
Everything you need to know before you get covered.
How much life insurance do I need?
A common starting point is 10x your annual salary, plus the outstanding balance on your mortgage. For example, if you earn £40,000 and have a £180,000 mortgage, you might aim for £580,000 in cover. Your adviser will help you work out the right amount for your specific circumstances.
How much does life insurance cost?
A healthy non-smoker in their 30s can typically get £200,000 of level term cover for around £8–£15 per month over a 25-year term. Premiums depend on your age, health, cover amount, and term length. The earlier you take out cover, the cheaper your premiums will be, because prices increase with age.
Can I get life insurance with a pre-existing medical condition?
Yes, in most cases. Many insurers offer cover to people with pre-existing conditions, though premiums may be higher or certain conditions may be excluded. Some specialist insurers focus specifically on higher-risk applicants. Your adviser will find the most suitable insurer for your health history and ensure you disclose everything accurately.
What is the difference between life insurance and critical illness cover?
Life insurance pays out if you die during the policy term. Critical illness cover pays out if you are diagnosed with a specified serious illness (such as cancer, a heart attack, or a stroke) while you are alive. The two can be combined on a single policy or taken out separately. Many people benefit from having both.
Do I need to have a medical examination to get life insurance?
Most people do not. The majority of applications are completed using a health questionnaire only. A medical examination may be required for very high cover amounts, older applicants, or applicants with complex health histories. Your adviser will let you know upfront whether a medical is likely to be needed.
What happens if I miss a premium payment?
If you miss a payment, your insurer will typically give you a grace period (usually 30 days) before the policy lapses. If the policy does lapse, you lose your cover and will need to reapply, potentially at a higher premium due to your older age or changed health. Contact your insurer immediately if you think you might miss a payment.
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Get my free quoteImportant Information & Regulatory Details
Albot is an introducer and technology platform, not an insurer and not an insurance broker. Life insurance quotations and applications are handled by qualified insurance advisers who are authorised and regulated by the Financial Conduct Authority (FCA).
Life insurance is a long-term contract. Premiums are based on the information you provide at the time of application. Any inaccuracies or omissions — including undisclosed health conditions — may result in a claim being reduced or refused. It is essential that all questions are answered honestly and in full.
Life insurance has no cash value at any time unless the policy has an investment or savings element. If you stop paying premiums, your cover will end and you will receive nothing back. Premiums quoted are indicative only and subject to full underwriting.
Critical illness cover pays out on diagnosis of a specified condition. Not all illnesses are covered — full policy terms and conditions apply. Income protection policies have defined deferred periods, benefit periods, and definitions of incapacity that vary by insurer and policy.
The information on this page is for guidance only and does not constitute personal financial advice. You should consider whether any product is suitable for your individual circumstances before applying.
Albot.co.uk is a trading name of Albot Technologies Ltd. Registered in England & Wales. We are an appointed representative of an FCA-authorised firm. Life insurance advice is provided by qualified, FCA-regulated advisers.
Quotes shown are indicative only. Your actual premium will be confirmed following full underwriting by the insurer. Premiums are subject to change if your circumstances change or if information provided is found to be inaccurate.