Can I get Life Insurance?
Hopefully yes. Unlike a lot of other traditional life insurers we don’t ask for you to have a medical. Or fill out a 40 page questionnaire about the intimate details of your life.
Our application form is 4, yes really, just four questions and at the end we’ll tell you whether or not you’ve been accepted and how much it will cost and you can take out your plan instantly. It’s that simple.
If there’s something we may have to find out more information about, we’ll tell you, and we’ll pester the Suits until we have an answer.
Life / Death Insurance FAQs
We can’t tell you this, specifically as we’re regulated by the Financial Conduct Authority (FCA) to provide insurance on a ‘non-advisory basis’ which means you have to make your own mind up which cover is right for you. What we can do however, is make it as easy and affordable as possible to get your life insurance cover.
Whenever you want. It’s a personal thing. Lots of people tend to buy life insurance if they’ve loved ones who would benefit from a cash sum to help with living expenses in the event of their untimely death, so naturally buying a house, getting married, having kids are key motivators, but again, it’s your call.
However, everyone, no matter what their circumstances, would probably benefit from creating a Deathwish. A Deathwish allows you to think, prepare and record what you’d like to happen upon your death, including silly stuff, like what fancy dress code people should adopt for your funeral, whether you’d like your ashes blasted into space like a spangly-tastic firework or simply something practical like a lovely bronze statue of yourself in the garden for everyone to remember you by, or if you’re like David from Essex, here’s an idea to get your creative juices flowing;
Pay for my funeral: Bury me in a forest and then go eat sausage rolls with ketchup. Get Carmel's funeral directors in Crawley to do it. Ta. (actual deathwish, name changed)
Go to our Deathwish page to find out more about Deathwishes.
It depends on your mortgage company, but probably not. People tend to look at life insurance when taking out a mortgage to ensure their loved ones would be OK financially if they were to die, and would use the cash payout to pay off the mortgage, or help towards living costs.
We've even written an article on just this subject over on our blog right here, if you're interested..
Well, obviously we’re biased. We think DeadHappy makes the best life insurance. However obviously with a decision as serious as this, you’ll want to look around to be sure you’ve chosen a life insurance plan that’s right for you. It’s OK to see other people - we’ll take you back if you decided we’re the one for you x
Yes. What this means is that the cash payout your loved ones will get when you die won't change. This is different to decreasing term life insurance whereby the policy pays out a lump sum that decreases every year. This is intended to lower in line with your mortgage balance, for example.
We also don’t exclude people with mental health conditions both current and historical, so we certainly won’t say no for this reason, and we won’t skyrocket your premiums either (unlike a lot of other providers).
We’ve even written a little article about the subject, so if you fancy, pop over to our blog or ask our Honchos on live chat if you’ve any questions, at all or even just to ask them what you think you should make for lunch, our Honchos are at your service.
Useful Information & Policy docs
Want the nitty gritty about your plan, you can find your Plan Outline here, or as the FCA call it, your Key Facts document.
What’s not covered?
We’ve a full list of what’s covered and what’s not in your Plan Outline, but the most common reasons we won’t pay out are;
- You weren’t truthful at the time you took out the policy
- Your death is caused by suicide* (this includes all deaths caused by intentional self-inflicted injury)..
- You were doing something Extremely Dangerous, such as flying, diving, base jumping and so on, we strongly suggest you find your thrills somewhere else
- You die whilst in active military service
- You fake your own death
*We review this after 12 months.

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