Reassured | The UK's Largest Life Insurance Broker

Compare Life Insurance Quotes

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Why Reassured for life insurance?

UK’s largest life insurance broker+

We’ve helped protect more than 1 million UK families and have over 16 years of industry expertise. We’re also one of the highest rated life insurance brokers on Trustpilot.

Free, no obligation quotes

We compare multiple life insurance quotes from a panel of leading insurers to help you save time and money when arranging your perfect policy.

Support from our team of experts

Whether you’re comparing cover over the phone or using our online service, we have a dedicated UK-based expert on hand to provide support if you need it.

How do I get started?

Take advantage of our award-winning service and expertise.

Protect your loved ones in just 3 simple steps:

1

Fill in our simple form

Answer a few questions about yourself and the cover you need.

2

Get your personalised quotes

We provide the best quotes available from our trusted insurer partners and all the support you need to make a fully informed choice.

3

Secure your perfect policy

Enjoy peace of mind that your family are financially protected.

What is life insurance?

Life insurance is a policy that can provide a crucial financial safety net for loved ones if the worst happened to you.

It pays out a cash lump sum if you pass away during a specified period (known as the policy term), helping your family cover essential costs, such as:

There are different types of life insurance to choose from and the cover can be tailored to meet your needs and budget.

You’ll pay a fixed monthly amount to the insurer (known as a premium). The cost of this will depend on your age, health and lifestyle. Premium prices are cheaper when you’re younger, so it’s important to secure cover sooner rather than later.

What are the benefits?

There are various benefits of having life insurance in place.

For example, it could:

What are the main types of life insurance?

Level term

Level term life insurance pays out a pre-agreed lump sum if you pass away during a set term.

The lump sum amount remains the same ( level) throughout the term, making it ideal for couples and families who are looking to help protect future living costs and/or an interest-only mortgage.

Decreasing term

Decreasing term life insurance pays out a lump sum if you pass away during a set term, but the lump sum amount reduces over time (usually in line with a repayment mortgage).

It’s often the cheapest type of life insurance and ideal for couples and families looking for budget-friendly cover.

Other types of cover we offer

Guaranteed Over 50s

Over 50 life insurance is a type of policy that offers guaranteed acceptance for UK residents aged 50 - 85 and pays out a fixed lump sum when you pass away.

Your loved ones can use the money to help cover your funeral costs, clear unpaid debts or as a cash gift.

Whole of life

A whole of life insurance policy provides cover for the rest of your life and pays out a fixed lump sum when you pass away.

It could help to cover funeral costs, family living costs, clear unpaid debts or be used as part of estate or inheritance tax planning.

Family income benefit

Family Income Benefit (FIB) is an alternative form of life insurance. Instead of paying a fixed lump sum, it pays ongoing monthly payments to help replace your income if you pass away.

Cover lasts for a specified term.

Life and Critical illness cover

Term life insurance can be combined with critical illness cover as one policy for one monthly premium. This provides a pay out if you pass away or are diagnosed with a critical illness during the term.

It covers a wide range of serious conditions including cancer, heart attack and stroke.

Income Protection

Income protection insurance pays out a percentage of your income if you’re unable to work due to illness or injury.

It provides monthly payments to help cover your outgoings and living costs.

Cover can be taken out on a short or long term basis.

Try our free life insurance calculator

Work out how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply fill in the fields which apply to you and calculate your cover amount.

Remaining mortgage debt
£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Utility bills & living expenses?
The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Loans, credit cards & any other debts?
The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Funeral costs?
According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Childcare, school or higher education costs?
When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Additional lump sum cash gift / inheritance?
2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Existing life insurance, death in service & savings?
If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

More reasons to choose us

Get fee-free advice

Our advised team offer personalised recommendations and support for people with complex needs or circumstances. Specialist cover, whole of life insurance, income protection, and family income benefit are only available through our advised service.

Specialist impaired service

If you have a pre-existing medical condition, high risk occupation or hobby, our specialist impaired risk team are here to assist you. Our advised service work with specialist insurers that can often offer policies designed for non-standard applicants.

Free trust-writing service

Reassured offer a free and simple digital trust writing service. Placing life insurance in trust can help protect a future pay out from inheritance tax and provide a faster pay out for your chosen beneficiaries.

We’re regulated

Reassured is regulated by the Financial Conduct Authority (FCA). Our firm reference number is 616144. We’re dedicated to providing an exceptional service and delivering great outcomes for our customers.