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Life Insurance

Redesigned

There’s 8.5 million people in the UK that probably should have life insurance, but don’t. That’s because traditionally buying life insurance is complicated, inflexible, expensive, and brain-numbingly dull.

Not any more… we’ve changed everything so you can get affordable, flexible life insurance online in just a matter of minutes.

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Rated excellent on Trustpilot

Apply online in minutes. No medical. No pesky phonecalls.

#1

Choose your payout.

Get a simple cash payout or build your payout by making your deathwishes.

#2

Answer 4 simple questions.

It's quick and easy to apply and get an instant decision. A few online questions, and no medical.

#3

Buy online today.

You're insured as soon as your first payment is made, so you can get on with the important stuff... living.

Why our
Life insurance
is better.

Flexible
Payouts

Life can get crazy. That's why our life insurance has been designed with flexibility in mind. Choose a payout amount that suits you now, and flex up (or down) in the future if things change.

Flexible
Prices

Our prices are based on who you are today, not that wrinkly weirdo you might be in 20-odd years. This means we’re cheaper than traditional insurers. Why pay more than you need?

10 year
Roller

A 10-year payout guarantee, where each year we’ll check in to see if things have changed & if we can, we’ll offer you a reset for another 10 years. If not you still have your original guarantee!

What is


Life insurance?

Life Insurance provides a cash lump sum upon your death, to cover the things you choose. Pay a lump sum to your family, cover your own funeral or send your mates on a trip in your memory, it’s up to you what you want to happen when you die!

You decide how much cover you want and we’ll give you a monthly price which insures you for that payout if you were to die. We understand things change, so you can amend your cover or even cancel whenever suits you!

Get a quick quote and if you’re happy, buy online straight away!

Get a quote

Want more than Life insurance? Try our Near Death insurance?

We also offer Near Death cover, this is our answer to critical illness insurance and means we’ll pay out 50% of your policy if you get seriously ill.

Find out more

Useful info

Annual refreshes

We guarantee to cover you for 10 years when you sign up based on the information you provide us with. Every year we’ll offer you the opportunity to refresh your 10 year guarantee. If nothing major has changed from a health perspective, we’ll be able to offer you a refresh where your plan will roll on for another 10 years. If you choose not to, or if something major has changed from a health perspective which means we can’t offer you a refresh that year, you will continue with the remaining years on your original guarantee.

Policy information

Want the nitty gritty about your plan, you can find your Plan Outline here, or as the FCA call it, your Key Facts document.

FAQ's

What type of life insurance cover is right for me?

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.

When should I buy life insurance

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.

Do you need life insurance to take out a mortgage?

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..

Why should I buy life insurance

Well, obviously we’re biased. We think There’s plenty of life events that make people decide to buy life insurance, such as buying a house, having kids or getting married, but the simple reason is, if you want the people around you to be financially OK if something were to happen to you, then life insurance is a good option. To read more about this, check out our guide ‘how to buy life insurance'.

Is this what is known as level term life insurance?

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.

Can I get life insurance if I have been diagnosed with a mental health condition

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.