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Life Insurance But better

We’ve made it easier and faster to get a cheap life insurance quote online and get covered today. We’ve re-invented life cover from the ground up to make it an all-round better product for you.

Cheap Life Insurance at lightning speed

Sign up in minutes, with just 4 questions and be the proud owner of your very own life insurance in minutes. Here’s how it works:

Nod

Answer 4 quick questions

Applying takes just a few minutes. We only ask you what we need to know.

Deal

Seal the deal

Buy safe and securely online. No hassle. No sales calls. No insurance gobbledy gook.

What is Life Insurance?

Life Insurance is a type of insurance policy that can pay out a cash lump sum upon your death. Life insurance is designed to minimise any financial impact on your loved ones if you die, we’ll even help you create a ‘Deathwish’ to record and plan for what you want to happen in the event of your death.

Despite what others would have you believe, life insurance is really pretty simple. You pay a monthly amount, and if you die, a lump sum of money (we call this your ‘payout’) is distributed to your loved ones. Which means money is one less thing they have to worry about.

Do I need Life Insurance?

Are you immortal? Then probably not.

But if you’re like most of us, death is an inevitable part of being human. If you’ve people you care about, who you’d want to receive a cash sum upon your death then taking out a Life Insurance policy could provide your loved ones with some financial security if you died. For more advice, you might want to check out our ‘When should I think about life insurance’ Guide.

Why should I buy a Life Insurance Plan from DeadHappy

If you’re wondering who should I buy a life insurance policy from, here’s why we’re really genuinely different.

We thought traditional life insurance was a bit sh*t, so we’ve created a shiny new life insurance product rebuilt from the ground up to meet your needs rather than the same old outdated inflexible plans most life insurers offer. No long boring forms, irritating phone calls or shady pricing, we’ve made it simple to buy life insurance online.

We’ve stripped out the complex medical questions, and we won’t decline you cover just because you have suffered with your mental health past or present, unlike a lot of other life insurance companies. Read more about it on our Guide to buying life insurance with a Mental Health condition.

We’re also fully authorised and regulated by the Financial Conduct Authority (FCA) and have a 5 star reviews rating over on Trustpilot. Can any other life insurance company say that?

Quick
Get a life insurance quote and get covered online in minutes. With our streamlined application process, we only ask a few health questions, (4 to be precise) so it’s very quick and easy. If you’re accepted; pay and your life insurance plan starts straight away
Flexible
We know life changes, a lot. Most life insurance policies don’t flex with you so you could be left with a policy that’s pretty useless when important stuff changes. That’s not what we’re about. When life changes, you can change your plan or break up with us, if that’s what you really, really want.
Cheaper
Not because we’re rubbish, far from it. We’re cheaper because we’ve completely re-invented life insurance. We base your quote on who you are today, not who you will be in 15 or 25 years time so you get genuinely great, yet cheap life insurance cover.

What are you waiting for? Get Life Cover Today

With our streamlined application process, we only 4 quick health based questions. It's really that easy...

We won’t tie you down

Easy going life insurance company seeks flexible 10 year relationship with scope to extend. Our life insurance is pay-as-you-go with a 10 year lifeline. Let's break that down.

Firstly, the PAYG bit means that you are only committed for 1 month at a time, you can cancel whenever you want with no penalty.

Secondly, the lifeline bit refers to how long we guarantee to keep you insured if you get diagnosed with an illness.

In theory, after this point, your life insurance plan will automatically end. We don't ever want this to happen though. Every year, we’ll give you the option of refreshing your lifeline, taking it back to a full 10 years, subject to a few health and lifestyle questions. It usually takes just a few seconds to refresh.

What is a

Deathwish?

At DeadHappy, we’re more than just Insurance, we want to help people plan for, think about and share what happens upon their eventual death. Or you could simply be wondering, How Much Life Insurance Do I Need? which is why we created Deathwishes. Whether it’s planning how you want your funeral to be (Star Wars or natural burial, and everything in between), you want a bronze statue of yourself for the garden or simply pay off the mortgage, we can help you consider, plan and fund those wishes.

Image of arm being tattoed
Provided by DeadHappy

Give someone a tattoo

Have your memory live on in ink... get your portrait tattooed across their back? Or maybe just something meaningful to you both.

Explore deathwish
Image of eath in space
Provided by Bloom & Wild

Send someone a monthly flower delivery

Leave the gift of blooms again and again (and again!)

Explore deathwish
Image of eath in space
Provided by Aura

Send my ashes to the edge of space

I've always wanted to see the world, this way I can see it all at once.

Explore deathwish

Read more about Deathwishes over on our dedicated Deathwish page, or if you fancy, dive right in and create a Deathwish for yourself.

What will Life Insurance from DeadHappy cover?

DeadHappy’s Life Insurance will cover you for some things that a lot of other insurers won’t. For example we won’t decline you for cover solely because you have in the past or currently have a mental illness. If you’d like to see a full list of what we do and don’t cover, it’s worth checking out our Plan Outline.

When you apply for life insurance with us, depending on your answers to the questions, we might give you the option of getting a price for Near Death insurance. Our Near Death insurance pays out when you get ill with something really serious, which is likely to have a pretty big impact on the rest of your life (similar to critical illness cover).

How much is Life Insurance from DeadHappy?

How much your life insurance will cost will depend on a few factors. How much of a payout you want being one of the big factors. How old you are, and whether you have certain illnesses can also increase how much you pay for your life insurance plan. However, unlike other life insurance companies, we’re different, and if you’re looking for cheap life insurance that doesn’t compromise on cover you’ve come to the right place.

Want to see how cheap? Get a quick price before applying with our Online Quote Calculator. Or to find out why we’re so much cheaper, how we base your Life Insurance plan on today, not who you might be in 20 years from now, read our Guarantee page.

When do I need to take out Life Insurance

It’s up to you really. A lot of people consider Life Insurance at the same time as a big life event, such as buying a house, getting married or having children. If there’s someone you care about, spouse, children, dog, best friend, or other loved ones who you’d want to leave some cash to when you die, then you (or rather they) could probably benefit from you taking out some sort of Life Insurance cover. But really there’s no right or wrong answer. To read more we've even written a blog on the subject. When should I think about Life Insurance.

Who can make a claim on my policy and how do they do it?

Anyone can start the claims process by either emailing us at [email protected] or calling us on 0116 350 0134. We’ll ask them for your name, DOB and address; who they are and their relationship to you. Our claims team will let them know if we need anything else.

If you get a really nasty illness and you’ve got our optional near-death insurance then one of your friends or family can start the process, or you can do it yourself if you’re well enough.

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 insurance FAQs

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.

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.

Life insurance

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.

Want to see more? Create your deathwish now

Using our deathwish platform, you can create, explore and add beneficiaries, give it a go.

Make a deathwish
Image of the deathwish platform