Life Insurance Comparison

Compare 10 Insurers Instantly:

Enter your quote details to begin. This form takes about a minute to complete.
Compare discounted premiums from the UK’s top life insurers, and even check our prices against other online services.
Complete your life insurance application online or by calling us on 0800 321 3578.

Compare Life Insurance:

 
Cover amount:
Who is the cover for?
Type of cover:
Critical illness?
Date of birth:
For how long?

About you: 

We won't share your details with third parties.
Title*
Surname*
Telephone
Are you a smoker? 

Second applicant: (Step 3/3)

We won't share your details with third parties.
Title:
Surname:
Date of birth:
Are they a smoker?
Please untick this box if you don't want to receive email updates from payingtoomuch.com in the future.

We compare features, not just premiums

Our results table clearly shows the monthly premiums from up to 10 insurers all at once.

Policy differences are highlighted using ticks and crosses against additional features such as whether the policy provides cover during the application process, pays out early in the event of a terminal illness, or provides additional benefits such as bereavement counselling as part of the policy.

We work with the UK's top insurers to get you a great deal

We work with top insurers such as Aviva, Legal & General and LV= to provide discounted rates that some of our competitors don't provide. For more information about our pricing, see "Why are we so competitive?"
We check our pricing regularly. Here are the results of our research last done on 22 Feb 2012.
Level Term, £200,000 over 20 years,
non-smoker.
Age 34
Age 34
Male
Female
Payingtoomuch.com
£9.99
£8.08
comparethemarket.com
£10.64
£8.61
gocompare.com
£10.64
£8.61
confused.com
£10.68
£8.65
More Th>n
£10.88
£8.81
Moneysupermarket.com
£10.88
£8.81
Sainsburys
£12.18
£9.65
ASDA
£12.21
£9.60
Tesco Bank
£13.30
£11.72
TheAA.com
£15.17
£12.22

We compare Critical Illness "extras"

If the Critical Illness option is selected the results screen digs deep into the small print to help you understand what “core conditions” are covered and importantly what extra pay-outs may be made on top of the core conditions.

Extra pay-outs can be made for conditions that aren’t quite as life threatening like low grade prostate cancer, breast cancer and coronary angioplasty (although these conditions feel serious to those that go through them).

It’s only by comparing the policy features in a transparent way that these important extras can be assessed against value for money.

Once you've compared, you can buy your policy online through our website

Once you've compared prices & features and found the right policy for you, you can fill in the rest of your details including any medical questions on our website. We'll then set the policy up on your behalf, so you don't even need to leave our website.

If you'd prefer, we can pick up your application on the phone, so you can apply without sending your bank details across the internet.

30 Day money back guarantee

You can cancel your application at any time up to 30 days after the policy has started and get a full money back guarantee. So you can apply and start a life insurance in the full knowledge that if you change your mind at any time you can withdraw from the transaction and get a full refund of any premiums paid.

Peace of mind

We can provide you with peace of mind. You can search all the options, select the one that suits your budget and circumstances and complete your application online or by phone.

Once you are covered you can rest assured that your dependants are well protected giving you that valuable peace of mind. Should you no longer require the cover at any time in the future you can simply stop paying the premiums and the cover will cease, no questions asked and without penalty.
 
Image 01 Image 02 Image 02