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Why Compare with Life Expert
It’s convenient and simple
Compare life insurance policies from trusted providers in one place saving the time and hassle of having to research each insurer individually
Quotes are tailored to you
We ask the right questions so we can tailor policies to you. Compare quotes and get the cover that suits your needs
Unbeatable prices
We cut our commissions in half putting the money back in your pocket and saving you money on your policies.
Join hundreds of happy customers who use Life Expert
As of October 2023, Life Expert had an average rating of 4.8 out of 5 from 128 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label “Excellent”. Find out more.
What is life insurance?
Life insurance provides a safeguarding policy designed to provide your loved ones with financial security in the event of your passing.
This invaluable protection can help mitigate the potential economic strain your demise might impose on your family and offer solace to the individuals you hold dear. The mechanics of life insurance resemble those of other insurance types:
- You make consistent premium payments over a predefined period.
- In the unfortunate event of your demise, your insurer disburses a tax-free lump sum to your designated beneficiaries.
- This payout can be utilized to settle a mortgage, pay off debts, and support your family’s day-to-day living expenses.
Is it right for me?
Though not mandated by law, life insurance carries significant importance for individuals who:
- Have dependents, such as children, partners, or elderly family members relying on them for financial support.
- Owe debts, including mortgages or loans.
- Worry about their financial stability in the face of a critical illness.
- Seek peace of mind.
Prior to making a decision about life insurance, it is crucial to evaluate your unique circumstances and weigh the advantages of life insurance to determine if this form of coverage aligns with your needs.
Did you know? According to the Association of British Insurers (ABI), 97.5% of all life insurance, income protection and critical illness claims were paid in 2022, totalling £6.85 billion.
Other important considerations to consider when choosing life insurance
How much is life insurance?
Life insurance purchased through Life Expert starts from £4.44 per month (1). Premiums will vary for each individual based on several factors including your type of policy, age, health and lifestyle.
How much cover do I need?
Determining the right level of life cover for you is the most important question you should ask when considering life insurance.
What’s covered?
Understanding the inclusions & exclusions within a life insurance policy is essential in aiding your decision-making process to determine its suitability for your needs, however, we will advise what’s best for you based on your personal circumstances.
When to get life insurance?
There are also some key life moments when it might be worth considering life insurance including buying a home, getting married, having children, getting divorced or changing jobs.
(1) Based on £100,000 worth of level term life cover for a 30 year old non-smoker with no pre-existing medical conditions over a 20 year term.
Alternative Policy Types
Critical Illness Cover
Pays out a tax-free lump sum if you are diagnosed with a terminal illness during your term.
Joint Life Insurance
Covers two people on a single policy but only pays out once.
Medical Conditions
If you have a pre-existing medical condition, don’t worry, it is still possible to get covered.
Over 50s
A different type of whole of life policy that offers guaranteed cover for individuals over 50.
Critical Illness Cover
Critical illness coverage is a type of insurance that provides a tax-free lump sum payout upon the diagnosis of a severe medical condition. Typically offered as an optional addendum to life insurance policies, its primary purpose is to assist in managing the financial consequences of your illness.
This includes covering expenses like medical bills, outstanding debts, income loss, or modifying your residence to accommodate your evolving requirements.
What conditions are covered by critical illness cover?
Critical illness insurance covers a range of conditions but the full list of conditions you will be covered for can change depending on your provider or the level of cover you choose.
There are some conditions that will always be covered by a critical illness policy, although the severity of these conditions may need to meet specific criteria, which can vary among providers.
Here are some of the most common conditions that you will be covered for when you add critical illness cover to your life insurance:
Core Conditions
Core ConditionsCritical conditions recognised by UK insurance providers typically include:
- Cancer
- Heart attacks
- Strokes
Sometimes Covered
Common conditions covered by critical illness insurance policies include:
- Multiple sclerosis
- Alzheimer’s
- Loss of limbs
- Organ failures
- Permanent disabilities
- Traumatic head injuries
- Parkinson’s
- Permanent disability
Why Compare Critical Illness with Life Expert
It’s convenient and simple
Life Expert has helped thousands of families feel financially protected with life insurance and critical illness insurance
Quotes are tailored to you
We work with our panel of UK life insurance providers and will match your cover needs to some of the best deals on the market
Unbeatable prices
We cut our commissions in half putting the money back in your pocket and saving you money on your policies.
MacMillan’s research shows that almost one in two of us will be diagnosed with cancer at some point in our lives (2) By Macmillan’s estimates, someone in the UK is diagnosed with cancer every 90 seconds.
Perhaps unsurprisingly then, given those pretty sobering stats, 58% of all critical illness claims we paid in 2022 were for cancer. (3)
Income Protection
Income protection insurance, sometimes referred to as sick pay insurance, serves as a safety net to safeguard your income in the event of an injury or illness that hinders your ability to work.
In the event that you find yourself unable to work, an income protection policy will provide monthly financial support, typically a percentage of your regular earnings, which can be utilized to meet your financial obligations until you make a full recovery.
These income protection policies offer flexibility, allowing you to select a payout term of your choice, spanning a limited number of years, or to maintain coverage until you reach retirement age if necessary.
How Does Income Protection Work?
Depending on the level of cover you choose for your policy, income protection insurance can work for you in the following ways:
Accident & Injuries
This cover type will only pay out if an injury or accident prevents you from working. You won’t be able to claim on this for being off work for any reason due to sickness.
Accident, Injuries & Sickness
This cover type will pay out if an injury, accident or illness prevents you from working. It can also include cover for mental health issues which is one of the biggest reasons people claim.
Why Compare Income Protection with Life Expert
Save time
Life Expert makes it easy to compare the prices and features of income protection insurance policies from different providers in one place, saving you time and effort
Check policy details
We’ll show you summary information on policies, premiums, and benefits, helping you make an informed decision about your policy before you buy
Unbeatable prices
We cut our commissions in half putting the money back in your pocket and saving you money on your policies.