Level vs decreasing: what’s the difference?

Level cover stays the same over the term. Decreasing cover typically reduces over time (often used for repayment mortgages). Choosing the right type affects cost and suitability.

Joint vs single: which is better?

Joint policies often pay out once on first death. Single policies can offer more flexibility and can be better aligned to two people’s needs.

How do I choose the term and amount?

Many people match the term to a mortgage or dependants’ needs. The sum assured should reflect what you’re trying to protect.

Life insurance vs critical illness?

Life insurance pays out on death during the term. Critical illness typically pays out if you’re diagnosed with certain conditions. They can be separate or combined depending on the provider.

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Life insurance quotes • UK

Compare life insurance quotes.

Decide cover type (level vs decreasing), term, and single vs joint first. Then use Top Picks to start quotes directly (or open a profile first).

See Top Picks → All comparison partners → Level vs decreasing → Joint vs single →

✔ Pick the right cover type
✔ Compare like-for-like
✔ Transparent disclosure

Top picks for life insurance

Use “Get quote” for the fastest route, or open the profile for what to compare.

Aviva

Use the profile as a checklist before requesting a quote.

Get quote → View profile

LV=

Compare options and what to check before you buy.

Get quote → View profile

AXA

Review key details before choosing a policy.

Get quote → View profile

Compare the Market

Run a structured comparison across providers.

Start comparison → View profile

Before you compare

Get these inputs right so quotes are meaningful.

Cover type

Level vs decreasing changes cost and suitability.

Level vs decreasing →

Single vs joint

Joint policies typically pay out once — know the trade-offs.

Joint vs single →

Term & sum assured

Match the term and amount to your need (e.g., mortgage protection).

Mortgage protection →

Premium & wording

Compare premiums and check key exclusions/conditions.

Premium explained →

All comparison partners

Cross-check results by using another partner with the same inputs.

Compare the Market

Start comparison → View profile

GoCompare

Start comparison → View profile

MoneySuperMarket

Start comparison → View profile

Quotezone

Start comparison → View profile

All comparison partners →

Next steps after you get quotes

Choose the policy that best matches your needs.

Check suitability

Make sure cover type, term and amount match your reason for buying.

Compare exclusions

Review key conditions and exclusions before buying.

Claim explained →

Use an insurer profile

Quick “what to check” pages for common insurers.

Browse insurers →

Need the basics first?

Start with our life guides for the key decisions.

Life guides →

Home insurance quotes: FAQs

Buildings, contents and valuables — the bits that most affect results.

Do I need buildings, contents, or both?

Buildings covers the structure; contents covers your belongings. Many people need both, but it depends on whether you own the property and what you want covered.

Home vs contents →

What is underinsurance?

If your sums insured are too low, claims payouts can be reduced. It’s worth getting realistic rebuild and contents values before comparing.

Underinsurance →

How do high-value items affect quotes?

Many policies have per-item limits for valuables. If you have expensive items, you may need to list them specifically to ensure they’re covered.

High-value items →

What should I compare besides price?

Compare excess, exclusions, limits (especially valuables), and whether accidental damage is included or optional.

Affiliate disclosure

Some links on this site are affiliate links. If you choose a provider or partner through a link, we may earn a commission at no extra cost to you. Always check the provider’s website for the latest terms and product details.