Life insurance quotes can differ because the cover requested, personal circumstances, underwriting and distribution arrangements may differ. A lower monthly premium does not necessarily mean the same protection.
This article previously made specific claims about other providers’ prices, mortgage-linked sales and IM-Insured commission discounts. Those claims are not supported here by current comparable evidence and have been removed.
Compare like with like
When comparing policies, check the sum insured, term, type of cover, premiums over time, exclusions, additional benefits and any underwriting conditions. A quotation is based on the information supplied and may change after an insurer assesses an application. The right option depends on your needs and circumstances.
Mortgage-linked protection
If you are arranging a mortgage, ask the lender exactly what, if any, insurance conditions apply. Do not assume that you must buy a particular life insurance policy from the lender or from a separate broker. Check the mortgage offer and seek clarification where needed.
Discuss your options
Our Life Insurance guide explains key choices. If you would like help considering cover, use the Start Your Quote enquiry to request an adviser conversation. It is not an instant online price or a promise of access to every insurer or the lowest premium.
