Compare Life Insurance Quotes
Why compare life insurance
Compare critical illness cover quotes from the UK's leading lenders
We compare life insurance cover from the UK's biggest brands
Compare life insurance in 3 easy steps
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Tell us a few details about what you are looking for.
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Apply online
You can then apply online and your application will be processed directly by the life insurance provider.
Do I need life insurance and critical illness cover?
Statistics show an increase in critical illness so taking out life insurance with critical illness cover is something important to consider.
The aim of critical illness cover is to provide financial protection and security to immediate family/ dependents should the policy holder be diagnosed with one of the insurer’s critical illnesses during the term of the policy.
A sum of money will be paid out under the life cover which the family can use for various purposes.
What are the typical illness covers?
- Covered
Cancer
Most policies cover certain types and stages of cancer.
Heart attack
Coverage usually includes a heart attack that meets specific medical criteria.
Stroke
Both ischemic and hemorrhagic strokes are typically covered.
Organ transplant
Coverage may include major organ transplants, such as heart, lung, liver, or kidney.
Multiple sclerosis
Many policies cover the diagnosis of multiple sclerosis.
Kidney failure
This involves permanent failure requiring dialysis or transplantation.
Major organ failure
Coverage for the failure of major organs such as the liver, lungs, or heart.
- Not covered
Pre-existing conditions
Illnesses or conditions that existed before taking out the policy may be excluded.
Non-disclosure
Failure to disclose relevant medical information during the application process may result in claims being denied.
Self-inflicted injuries
Intentional self-harm or injuries resulting from illegal activities.
Drug or alcohol abuse
Illnesses or injuries resulting from substance abuse.
Certain cancers
Some types and stages of cancer may not be covered.
Non-severe conditions
Some policies may only cover critical illnesses that have reached a certain severity.
Am I eligible for critical illness cover?
Insurance providers have differing terms for cover. Most companies have a minimum starting age of 16 to 18 years, with a maximum ages of 54 to 59. The policy holder must be a UK resident.
FAQ
Need more help?
What are the typical exclusions?
The most typical exclusions are HIV and AIDs related illnesses, injury caused whilst participating in extreme/hazardous sports and self inflicted injury
How much cover do I need?
This depends on your personal circumstances and what you might need the cover for. It doesn’t just have to be about your mortgage, you could factor in other debts, monthly outgoings and future costs such as funeral expenses or your children’s education.
Do I have to get a medical to get life insurance?
Not necessarily, some insurers might ask you to have a medical and others may not. If you are a young, healthy non-smoker then you are less likely to be asked to have a medical than someone older with pre-existing medical conditions.
Can I get life insurance if I have a pre-existing medical condition?
You can get life insurance if you have a pre-existing medical condition but the premiums are likely to be higher and there will be less insurance providers to choose from.
Can I have more than one life insurance policy at the same time?
You can legally have as many life insurance policies as you like. Some people take out more than one policy to cover different requirements, but a single policy covering everything you need may be cheaper.
