Review and Comparison of Life Insurers.

Life insurance is designed to protect your loved ones financially if the worst happens to you. They'll receive a cash sum if you die or you're diagnosed with a terminal illness during the cover term.

Depending on the cover you've chosen, this money could pay off your mortgage or even provide for your family's future by paying for things like school and university fees or weddings.
Popular reasons people give for starting a plan are -

Starting a family – As this brings new responsibilities and many people begin to think about how they can best protect their family.
Income Protection – Life insurance can be used to replace lost income, so whoever is left behind can maintain a standard of living.
Protecting a mortgage – People take out life insurance as mortgage protection, to make sure their mortgage will be paid off should the worst happen.
Funeral expenses – Can be used to pay for these costs so the family do not have too find the money.

You can choose level or decreasing cover.

Level cover means the cash sum paid out will stay the same throughout the term.

Decreasing cover means the cash sum will get smaller, normally in line with the outstanding amount on your repayment mortgage. The cover normally runs alongside a repayment mortgage, so if you die the money can be used to pay off the mortgage.

Sun Life

Insuring your life could be one of the most important things you’ll ever do. If you’re aged 18-59 it couldn’t be easier. Apply online for our simple, fixed term life insurance. It only takes a few minutes – and it’s affordable, from just 17p a day.



At Virgin Money they can offer you great value life insurance, plus you’ll receive £50 Marks and Spencer vouchers when you take out a policy. Cover starts from just £5 per month and you can choose to have level or reducing cover, on a single or joint policy.



You must permanently live in the UK and be aged 17 to 69 when your plan starts and your premium must be at least £5 a month.


Legal & General

UK's number one protection provider for the past seven years and cover from £6 per month. Winner of "Best Life Assurance Provider" at the Financial Adviser Life & Pensions Awards 2011.



According to Mintel in July 2011 only 43% of UK adults had life cover.