If you've got people depending on your income, #3 is probably the one that'll surprise you the most. A quick read worth your scroll.
Research from Which? found that 90% of UK parents worry about how their family would cope financially if they passed away.1 Yet 39% have no life cover at all. Worrying isn't the same as being protected.
Common assumption: "I rent, so this doesn't really apply to me." Actually, renters tend to be more financially exposed than homeowners — no equity to fall back on, no broker nudging you towards cover, and rent doesn't pause for bereavement.
Most young families guess between £80 and £150 a month. The MoneySuperMarket index puts the average UK life insurance policy at around £22 a month.4
That's not what everyone pays — your price depends on age, health, smoking status, and cover amount. But the gap between assumed cost and actual cost is wider than most people realise.
Find out what cover looks like for your family in 2 minutes.
The perception that insurers wriggle out of claims is the single biggest objection we hear. The data tells a different story: 97.9% of UK individual protection claims were paid in 2024,5 and that figure has held above 97% for over a decade.
Your premium gets locked in for the length of your term — so the age and health you sign up at matters. And the assumption that serious illness only hits older people isn't quite right either: cancer in 25–49 year olds has risen 24% since 1995.6
An advisor finds what fits your budget — not the other way round.
Regulated, reviewed and rated — so you don't have to take our word for it.
"Conor was thorough in giving advice and offering options. A very friendly and helpful agent. The cover I received was exactly what I was looking for at an affordable price."