How much life insurance do I need?

A common rule of thumb is 10x your annual income, but it depends on your mortgage balance, dependants and existing savings. Use a free calculator or speak to a broker.

Is term or whole life insurance better?

Term life insurance is cheaper and covers a specific period (e.g. until your mortgage is paid off). Whole life costs more but pays out whenever you die. Most families choose term.

Do I need a medical exam for life insurance?

Most UK providers offer non-medical life insurance up to certain coverage amounts. You'll answer health questions, but a physical exam is rarely required.

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❤️ 5 Providers · Instant Comparison

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🛡️ L&G🏢 Aviva👑 Royal London💪 Vitality💀 Dead Happy

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★

UK's most popular life insurer. Competitive rates, no medical for most.

Best ValueVisit L&G →

Aviva

Highly flexible policies with critical illness and income protection.

Most FlexibleVisit Aviva →

Royal London

Mutual insurer — customer owned. Best for whole life cover.

Best Whole LifeVisit Royal London →

Vitality

Earn rewards for healthy living. Premium discounts up to 25%.

Most InnovativeVisit Vitality →

Dead Happy

UK's cheapest life insurance. No medical, instant online quote.

CheapestVisit Dead Happy →

Sento is an independent comparison service. We may receive a commission if you take out a policy via our links. This does not affect our editorial independence. Always read the policy documents before purchasing insurance.

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