Term Life Insurance Cover for a fixed period

Term life insurance covers you for a set number of years. Affordable protection when you need it most.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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Me and my partner

Term vs Whole Life Insurance

Understand the difference to choose what's right for you.

Term Life Costs Less

Term insurance is significantly cheaper because it only covers you for a set period. Perfect for temporary needs like mortgage protection.

Whole Life Never Expires

Whole of life insurance has no end date and guarantees a payout. More expensive but covers you forever.

Choose Based on Need

Term is ideal for covering debts that reduce over time. Whole life suits inheritance tax planning or permanent protection.

Top 5

UK Insurers

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Level Term vs Decreasing Term

Choose the right type of term insurance for your needs.

Feature	Level Term	Decreasing Term
Payout	Stays the same throughout	Reduces over time
Cost	Slightly more expensive	Cheapest option
Best for	Family protection, debts, income replacement	Repayment mortgage cover
Cover from	£5/month*	£5/month*
Typical term	10-40 years	Matches your mortgage term

A broker will call to discuss which option suits your circumstances.

Term Life Insurance FAQs

Common questions about term life cover.

Term life insurance covers you for a set number of years. If you die during the term, your family receives a tax-free lump sum. If you outlive the term, the policy ends with no payout.

Match it to your need. For a mortgage, match the remaining mortgage term. For family protection, cover until your youngest child is financially independent (typically 18-21).

The policy simply ends. There is no payout and no refund of premiums. This is why term insurance is cheaper — not every policy results in a claim.

Most term policies cannot be renewed. However, some include a conversion option that lets you switch to a whole of life policy without further medical underwriting.

Yes, you can cancel at any time. However, there is no refund of premiums paid. Consider whether you still need cover before cancelling.