There is no single price for life insurance and no reliable “from” figure that applies to everyone. A premium depends on the cover requested and an insurer’s assessment of the person applying. Old surveys and comparisons with streaming subscriptions do not tell you what your own policy would cost.
How much cover you choose
A higher sum insured can mean a higher premium. Start with the people who depend on you, financial commitments, savings and any existing workplace or personal cover. The amount you need is not determined by a generic example.
How long the policy lasts
The term should be considered alongside the period for which dependants or a mortgage may need support. Policies ending at different dates are not directly comparable on price alone.
Your age and health
Insurers may ask about age, health and medical history. They can request further information and may offer different terms or decline an application. Give complete and accurate answers; do not infer a premium from someone else’s example.
Tobacco and nicotine use
Insurers may ask about smoking, vaping and other nicotine products. Definitions and underwriting approaches can differ. Answer the application questions as written and ask for clarification if you are unsure.
Occupation, activities and policy features
Work, hobbies and optional features can affect an insurer’s assessment or the product available. Also compare what is covered, exclusions, whether the premium is guaranteed or reviewable, and any other policy terms—not just the first monthly figure shown.
Get a price based on your own circumstances
Use the Life Insurance Planning Guide to frame the amount and term you want to discuss, then read our Life Insurance guide. You can start a no-obligation adviser enquiry; this is not an instant online quote. An adviser can discuss available options, while the insurer makes the underwriting decision. For independent background, see MoneyHelper’s life insurance guide.
