Product
Fixed-term life insurance that pays a tax-free lump sum to your loved ones if you pass away during the policy term.
From
£5/mo
Term
15–40 years
Cover
£25k – £1m
Guaranteed premiums
The price you agree at the start stays the same for the entire term, regardless of age or health changes.
Tax-free lump sum
Paid directly to your nominated beneficiaries. Most insurers offer a Trust option to help bypass inheritance tax.
Terminal illness benefit
Most policies include this — your full sum assured is paid early if you're diagnosed with terminal illness.
Waiver of premium
An optional add-on with most insurers — if you can't work for 6+ months due to illness, your premiums are paid for you.
Choose your cover amount (£25k–£1m) and term (15–40 years). We send your details to one of our trusted UK insurance partner agencies, who'll come back with quotes and a short health questionnaire. Most applicants get an instant decision.
Quotes are arranged and underwritten by our UK insurance partner agencies who hold the relevant regulatory permissions. AssuraCover is a free comparison service — we are not an insurer.