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Best Life Insurance Providers UK 2025

Best Life Insurance Providers UK 2025 2025

Choosing the right life insurance is one of the most important financial decisions you will ever make. It’s a foundational step in protecting your family’s future, ensuring that your loved ones are financially secure should the worst happen. Yet, with so many providers in the UK market, each with different products, features, and pricing, the choice can feel overwhelming.

That's where we come in. As expert brokers, WeCovr spends every day navigating the intricacies of the UK protection market. We analyse policies, scrutinise claims data, and compare benefits to help our clients find the perfect fit for their unique circumstances.

This definitive guide is the culmination of our research for 2025. We’ve done the heavy lifting to rank the UK's leading life insurance companies, giving you the clarity and confidence to make an informed decision. We’ll break down what makes a provider truly exceptional, from their financial stability to the real-world value of their wellness benefits.

WeCovr’s ranking of the top UK life insurance companies

After a thorough analysis of the UK market, we've ranked the best life insurance providers for 2025. Our evaluation is based on a comprehensive set of criteria, including claims payout rates, customer service, product flexibility, and the quality of their added-value benefits.

Here is WeCovr's summary of the top performers:

RankProviderKey FeatureBest For
1Legal & GeneralConsistently high claims payout & valueOverall excellence & reliability
2AvivaStrong brand, comprehensive coverAll-round protection and trust
3Royal LondonMutual status, customer-focusedEthical approach & profit sharing
4VitalityInnovative wellness programmeActive individuals who want rewards
5AIGBroad acceptance criteriaThose with complex health histories
6ZurichGlobal strength, flexible optionsHigh-net-worth & business protection
7GuardianModern approach, quality-firstComprehensive critical illness cover

This ranking provides a high-level overview. The "best" provider for you will always depend on your personal health, lifestyle, budget, and protection needs. The strength of working with a broker like WeCovr is our ability to match your specific profile to the insurer most likely to offer the best terms and value.

How We Ranked the Best Life Insurance Companies

Our ranking isn't based on a single metric. It’s a holistic assessment designed to reflect what truly matters to you as a policyholder: the certainty that your policy will pay out when needed and the quality of the service you receive along the way.

Here are the core pillars of our evaluation process:

1. Claims Payout Rates

This is the most critical statistic. It shows the percentage of claims an insurer has paid out. A high payout rate (typically above 97%) is a powerful indicator of a provider's reliability and commitment to its customers. According to the Association of British Insurers (ABI), the industry as a whole paid out 97.3% of all long-term protection claims in 2023, totalling over £7 billion. We prioritise providers who consistently meet or exceed this benchmark.

2. Financial Strength

An insurance policy is a long-term promise. You need to be confident that the company will still be around and financially healthy to pay a claim in 10, 20, or 30 years. We consider the ratings from independent agencies like Standard & Poor's, Fitch, and Moody's, which assess an insurer's financial stability.

3. Customer Service and Reviews

From the initial application to the difficult process of making a claim, customer service matters. We analyse customer feedback from trusted platforms like Trustpilot and Fairer Finance, as well as our own experience as brokers. We look for companies with clear communication, efficient processes, and compassionate claims handling teams.

4. Product Range and Flexibility

Life isn't static, and your insurance needs may change. We favour providers that offer a wide range of products (e.g., Level Term, Decreasing Term, Family Income Benefit) and flexible options. This includes the ability to increase your cover after major life events (like having a child or moving house) without further medical questions, or the option to choose joint or single policies.

5. Added-Value Benefits

In today's market, the best insurers offer more than just a financial payout. They provide tangible, day-to-day benefits to help you and your family live healthier lives. These "wellness" extras can include:

  • 24/7 Virtual GP Services: Instant access to a doctor via phone or video call.
  • Mental Health Support: Access to counselling sessions or mental wellbeing apps.
  • Second Medical Opinions: The ability to have a diagnosis and treatment plan reviewed by a world-leading expert.
  • Fitness Rewards and Discounts: Programmes that reward you for staying active.

These benefits can be incredibly valuable, often saving you time, worry, and money. At WeCovr, we believe in this holistic approach to health, which is why we provide our customers with complimentary access to CalorieHero, our own AI-powered calorie and nutrition tracking app, to support their wellness journey.

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A Detailed Look at the Top UK Life Insurance Providers for 2025

Let's dive deeper into what makes our top-ranked providers stand out.

Overview: A titan of the UK insurance industry, Legal & General is the country's largest provider of life insurance by market share. Their scale allows them to offer competitive pricing and a highly reliable service, making them our top choice for 2025.

Why They Made Our List: L&G's standout feature is their unwavering consistency. They paid a remarkable 97% of life insurance claims in 2023, totalling over £882 million. Their application process is streamlined, and their products are straightforward and easy to understand. They offer excellent value for money, frequently appearing as one of the most affordable options for standard cover.

Added-Value Benefits: L&G's "Umbrella Benefits" package provides policyholders with practical support services, including access to a second medical opinion and mental health support. Their "Care Concierge" service also offers telephone-based advice for those facing decisions about later-life care for family members.

Who Is It Best For? L&G is an outstanding all-rounder, perfect for families and individuals looking for reliable, no-fuss, and competitively priced cover from a market leader.

FeatureDetail
2023 Life Claims Paid97.0%
Defaqto Rating5 Star
Key BenefitSecond Medical Opinion
Best ForOverall Value & Reliability

2. Aviva

Overview: As one of the UK's most recognised financial services brands, Aviva has a long-standing reputation for trust and comprehensive cover. They offer a wide array of protection products, often bundled with other insurance needs like home or motor.

Why They Made Our List: Aviva's strength lies in its comprehensive product suite and brand recognition. In 2023, they paid out 99.3% of life and critical illness claims, demonstrating exceptional reliability. Their "DigiCare+" app is a market-leading wellness benefit, offering a suite of health services that provide real, tangible value from day one.

Added-Value Benefits: The Aviva DigiCare+ app is a significant draw. It includes:

  • Digital GP: 24/7 access to a UK-based GP.
  • Nutrition Support: Consultations with nutritionists.
  • Mental Health Support: Access to therapy sessions.
  • Annual Health Check: A home-testing kit to check 20 health markers.

Who Is It Best For? Aviva is ideal for those who value a trusted brand and want one of the most comprehensive digital health and wellbeing support packages on the market.

FeatureDetail
2023 Protection Claims Paid99.3%
Defaqto Rating5 Star
Key BenefitAviva DigiCare+ App
Best ForComprehensive Wellness Benefits

3. Royal London

Overview: As the UK's largest mutual life, pensions, and investment company, Royal London is owned by its members (the policyholders), not shareholders. This structure fundamentally shapes its customer-first ethos.

Why They Made Our List: Royal London’s mutual status means profits are often reinvested into the business to improve products and services, or shared with eligible members. They have a strong track record for claims, paying 99.4% of all protection claims in 2023. Their approach to underwriting can also be more flexible than some competitors, and their "Helping Hand" support service is highly regarded.

Added-Value Benefits: "Helping Hand" is Royal London's support service, offering access to dedicated nurses, practical and emotional support, and a second medical opinion service. This isn't just a digital add-on; it provides real human support during difficult times.

Who Is It Best For? Royal London appeals to customers who appreciate an ethical, customer-owned business model and want robust, human-centric support built into their policy.

FeatureDetail
2023 Protection Claims Paid99.4%
Defaqto Rating5 Star
Key Benefit"Helping Hand" Nurse Support
Best ForEthical Approach & Member Focus

4. Vitality

Overview: Vitality revolutionised the UK life insurance market by directly linking premiums and rewards to a healthy lifestyle. Their "shared value" model benefits the customer, the insurer, and society by incentivising healthier behaviours.

Why They Made Our List: Vitality's proposition is unique. Policyholders are encouraged to track their physical activity through wearable tech. By hitting activity targets, they can unlock a host of rewards, including free cinema tickets, weekly coffees, and significant discounts on Apple Watches, gym memberships, and flights. For active individuals, this can drastically reduce the effective cost of the insurance. They also boast an impressive 99.7% payout rate for life claims (2023).

Added-Value Benefits: The entire Vitality programme is an added benefit. The core offering includes:

  • Activity Tracking Rewards: Discounts and freebies for being active.
  • Optimised Premiums: The potential to reduce your premiums at renewal by maintaining a high Vitality status.
  • Health Checks and Support: Access to health screenings and wellness advice.

Who Is It Best For? Vitality is the undisputed choice for motivated, active individuals and families who want to be rewarded for their healthy lifestyle. If you're committed to engaging with the programme, the value can be exceptional.

FeatureDetail
2023 Life Claims Paid99.7%
Defaqto Rating5 Star
Key BenefitExtensive Lifestyle Rewards
Best ForActive Individuals Seeking Rewards

5. AIG Life

Overview: AIG Life is part of the global American International Group. They are known for their innovative approach and a willingness to offer cover to individuals who may have struggled elsewhere, including those with complex medical histories or hazardous occupations.

Why They Made Our List: AIG's key strength is its inclusive underwriting. They have a broader acceptance criteria for certain health conditions, like diabetes, and were one of the first to offer instant cover for HIV+ individuals. Their "Smart Health" service is also a powerful and comprehensive benefit. In 2023, they paid 99% of life claims.

Added-Value Benefits: "Smart Health" is provided to all AIG policyholders at no extra cost and is available 24/7. It includes:

  • A 24/7 GP service.
  • A best-in-class second medical opinion service.
  • Mental health support and counselling.
  • A fitness and nutrition programme.

Who Is It Best For? AIG is an excellent choice for individuals with pre-existing health conditions or those in higher-risk occupations who might face challenges getting cover from more standard insurers.

FeatureDetail
2023 Life Claims Paid99%
Defaqto Rating5 Star
Key BenefitSmart Health Service & Inclusive Underwriting
Best ForComplex Health or Occupation Profiles

Understanding the Different Types of Life Insurance

The "best provider" is only half the equation; you also need the "best product" for your needs. Here’s a breakdown of the main types of life insurance available in the UK.

Policy TypeHow it WorksBest For
Level Term AssurancePays a fixed lump sum if you die within a set term.Protecting an interest-only mortgage or providing a set inheritance for your family.
Decreasing Term AssuranceThe payout amount reduces over the term, usually in line with a debt.Covering a repayment mortgage, as the cover decreases along with your outstanding loan.
Family Income BenefitPays a regular, tax-free income to your family until the policy term ends, rather than a single lump sum.Replacing your lost salary to cover regular family bills and living costs.
Whole of LifeGuarantees a payout whenever you die, as there's no fixed term. Premiums are higher.Covering a guaranteed inheritance tax bill or leaving a planned legacy.
Over 50s PlanA type of whole of life plan with guaranteed acceptance for UK residents aged 50-85. No medical questions.Covering funeral costs or leaving a small gift. Payouts are typically smaller (£5,000-£20,000).

Don't Forget Critical Illness and Income Protection

While life insurance protects your family after you’re gone, other policies are designed to protect you and your finances while you are living. For a truly robust financial safety net, you should consider these alongside life cover.

Critical Illness Cover (CIC)

This pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious illnesses, such as some forms of cancer, a heart attack, or a stroke.

  • How it helps: The lump sum can be used for anything – to clear a mortgage, pay for private treatment, adapt your home, or simply give you financial breathing space while you recover.
  • Key consideration: The number and quality of conditions covered vary hugely between insurers. Some policies cover 50 conditions, while more comprehensive ones cover over 100, including additional payments for less severe conditions. This is where an expert comparison is vital.

Income Protection (IP)

Often described by experts as the most important protection policy of all, Income Protection pays a regular monthly income if you are unable to work due to any illness or injury.

  • How it helps: It acts as a replacement for your salary, allowing you to continue paying your bills and maintaining your lifestyle while you focus on recovery. Payments can continue right up until you return to work or retire.
  • Key concepts:
    • Deferment Period: This is the waiting period between when you stop working and when the policy starts paying out. It can range from 4 weeks to 12 months. The longer the deferment period you choose, the lower your premium.
    • Personal Sick Pay: This term is often used for shorter-term income protection plans, popular with tradespeople and freelancers who may not have employer sick pay to fall back on.

According to the ABI, over one million workers are off work for an extended period each year due to sickness, yet only a small fraction have income protection, highlighting a critical gap in the UK's financial resilience.

Specialist Protection for Business Owners, Directors, and the Self-Employed

If you run your own business or are self-employed, your protection needs are more complex. Standard policies are essential, but specialist business protection can safeguard the future of your company and offer significant tax advantages.

Relevant Life Insurance This is a tax-efficient life insurance policy for an employee or director, paid for by the business.

  • Benefits: The premiums are typically an allowable business expense, and they do not count as a P11D benefit-in-kind for the employee. This makes it a highly cost-effective way to offer valuable death-in-service benefits, especially for small businesses.

Key Person Insurance This policy protects a business against the financial loss it would suffer from the death or critical illness of a vital member of the team.

  • How it works: The business takes out a policy on a "key person" (e.g., a top salesperson, a technical expert, or the CEO). If that person dies or becomes critically ill, the policy pays a lump sum to the business to cover lost profits, recruitment costs, or repaying business loans.

Executive Income Protection Similar to a personal policy, but it's paid for by the company for a valued employee or director. Like Relevant Life cover, the premiums are usually a tax-deductible business expense, providing a tax-efficient way to protect your key staff's income.

Gift Inter Vivos Insurance This is a specialist type of life insurance designed for inheritance tax (IHT) planning. If you gift a large sum of money or an asset, it may still be considered part of your estate for IHT purposes if you die within seven years. A Gift Inter Vivos policy is a 7-year decreasing term plan that pays out a lump sum to cover the potential IHT bill on that gift.

How to Get the Best Life Insurance Quote

Finding the right policy isn't just about picking a top provider; it's about securing the best terms for your specific situation. Here’s our expert advice.

1. Assess Your Needs Carefully Before you get a quote, think about:

  • How much? A common rule of thumb is 10 times your annual salary, but you should also factor in your mortgage, other debts, and future costs like university fees for your children.
  • How long? Match the policy term to your need. For example, align it with your mortgage term or until your youngest child is financially independent.

2. Get Healthier (If You Can) Insurers base your premium on risk. The lower your risk, the lower your price.

  • Smoking: Being a non-smoker for at least 12 months can cut your premiums by as much as 50%.
  • BMI: A healthy Body Mass Index will lead to better rates.
  • Alcohol: Reducing your weekly alcohol intake to within recommended limits will also have a positive impact.

Small, sustainable lifestyle changes can lead to significant long-term savings on your policy.

3. Compare the Entire Market Never accept the first quote you see, and don't assume your bank offers the best deal. Premiums for the exact same cover can vary by over 40% between different insurers. This is where a broker like WeCovr adds immense value. We use our expertise and technology to compare policies from all the major providers, ensuring you don't overpay.

4. Be 100% Honest on Your Application It can be tempting to omit a health issue or understate your alcohol consumption to get a lower premium. Do not do this. This is called "non-disclosure" and is one of the main reasons claims are denied. Being truthful ensures your policy is valid and will pay out when your family needs it most.

5. Review Your Policy Periodically Life insurance isn't a "set and forget" product. We recommend reviewing your cover every few years or after major life events:

  • Getting married or divorced
  • Having a baby
  • Moving to a larger house with a bigger mortgage
  • Getting a significant pay rise

Your needs will change over time, and your cover should change with them.

Understanding Premiums: What Affects the Cost of Life Insurance?

Your monthly premium is calculated based on a detailed risk assessment. Here are the main factors insurers consider:

FactorImpact on PremiumWhy it Matters
AgeYounger = CheaperThe risk of illness and death increases with age. Locking in a rate when you're young is cost-effective.
Smoker StatusNon-smoker = Much CheaperSmoking is statistically one of the biggest risk factors for premature death and illness.
Health & Medical HistoryGood health = CheaperPre-existing conditions like high blood pressure or diabetes can increase premiums.
Amount of Cover (£)Higher cover = Higher premiumThe more the insurer stands to pay out, the more they will charge.
Policy Term (Years)Longer term = Higher premiumA 30-year policy carries more risk for the insurer than a 10-year policy.
OccupationRisky job = Higher premiumJobs involving manual labour, working at height, or with hazardous materials are seen as higher risk.
HobbiesDangerous hobbies = Higher premiumActivities like motorsport, mountaineering, or scuba diving can lead to a "loading" on your premium.

Navigating these factors to find the most favourable provider for your unique profile is a core part of what an expert broker does. For example, one insurer might be lenient on BMI but strict on family medical history, while another might be the opposite. We know these nuances and can guide you to the right place.

Do I need a medical exam for life insurance?

Not always. For many people who are young and healthy, life insurance can be granted based solely on the answers you provide on the application form. However, if you are older, applying for a very large amount of cover, or have declared a pre-existing medical condition, the insurer may request more information. This could be a report from your GP, a telephone medical interview with a nurse, or a full medical exam including blood and urine tests, which the insurer will arrange and pay for.

Can I get life insurance if I have a pre-existing medical condition?

Yes, in many cases you can. It is a common misconception that having a condition like diabetes, high blood pressure, or a history of mental health issues means you cannot get cover. You must declare the condition fully on your application. The insurer will then decide on the terms. They may offer cover at standard rates, increase the premium (a 'loading'), or exclude that specific condition from a critical illness policy. In some severe cases, they may decline cover. This is an area where a specialist broker is invaluable, as we know which insurers are more likely to offer favourable terms for specific conditions.

What's the difference between a joint policy and two single policies?

A joint life insurance policy covers two people but only pays out once, usually on the first death. After that, the policy ends, leaving the surviving partner without cover. Two separate single policies will cost slightly more, but they provide double the cover, as each policy will pay out independently upon the death of the person it covers. This means if one partner dies, their policy pays out, and the surviving partner still retains their own separate cover. For this reason, financial advisers often recommend two single policies for comprehensive family protection.

Is life insurance paid out tax-free?

The payout from a life insurance policy is generally free from Capital Gains Tax and Income Tax. However, it may be subject to Inheritance Tax (IHT) if the value of the payout, when added to the rest of your estate, exceeds the IHT threshold (currently £325,000 per person). To avoid this, most life insurance policies can be placed 'in trust'. Writing a policy in trust means the payout goes directly to your chosen beneficiaries, bypassing your estate and probate. This makes the process much faster and ensures the money is not liable for IHT. It's a simple process that we can help you with when you set up your policy.

How much life insurance cover do I actually need?

There is no single answer, as it's entirely personal. A good starting point is to calculate your outstanding debts (mortgage, loans, credit cards) and add the funds your family would need to live comfortably. This could be a lump sum to generate an income or a specific amount to cover childcare and education costs. A common guideline is to seek cover equal to 10 times your annual gross salary, but a detailed needs analysis with an adviser will provide a more accurate figure for your specific circumstances.

Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.


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