Types of Cover


Why People Use Life Expert

Life Expert helps you find the most suitable life insurance policy based on individual circumstances &  tailored to your budget.


We understand that having life insurance and personal protection in place is essential. This is where Life Expert helps protect individuals, their children & partners across the UK to provide peace of mind.


Life Expert offers you a free advised service that ensures you get a policy that is specifically tailored to you and your family.


Life Expert makes it quick & easy to protect yourself & your family. Our advised service is completely free of charge.



Fill in a few basic details, it doesn’t take long at all. Once you’re ready, just hit “get my quotes”.


Expect a call from one of our advisors. Our advisors are here to help you find the right cover.



You’re a mum so we know you’re very busy. We will take care of everything for you.

Income Protection

If you work and don’t receive any sick pay policy or you do but it only lasts for a certain period of time, then you need income protection.


Income Protection will pay you 70% of your income if you are off work sick or injured for 1 – 2 years or up until retirement age, so you can focus on recovering and not having to rush back to work.


A loss of income would be concerning for everyone, it pays for your house, food, children and everything else. Income Protection would allow you to maintain your lifestyle until you are ready to return to work.


Mental health issues rank highly among the causes of claims on income protection insurance so the illness doesn’t need to be physical. If you are self-employed, income protection is an absolute must.


We understand that everyone isn’t a life insurance expert but that’s why we are here to help. 

Who can apply for life insurance?

You must be a UK resident, at least 18 at the time of applying.

How much does life insurance cost?

Life insurance premiums can cost as little as £5 – £10 a month.

How much life insurance do I need?

It depends on your individual circumstances. You may want to think about leaving a lump sum to your dependents or help clear an outstanding mortgage if you die.

What affects the cost of life insurance?

The cost of life insurance is affected by lots of things, including your health, age and whether you smoke.

Can you cancel your policy if you no longer want it?

Yes, you can cancel your policy at any point throughout its lifetime.

What are the different types of cover?

There are many types of life insurance cover you can choose to protect your finances. These include the following:

  • Level term life insurance
  • Whole of Life insurance
  • Decreasing term / mortgage protection insurance / payment protection insurance
  • Joint life insurance
  • Income Protection
  • Critical illness insurance
  • Income Protection Insurance
  • Over 50s Life Insurance


Whole of Life

Whole of life insurance is a life insurance policy that guarantees an insurance company will pay your family a lump amount following your passing, whenever that may be.

Level Term

Level term life insurance will pay a lump sum amount if the insured person dies during the term of the policy’s predetermined period.

Decreasing Term

Decreasing term life insurance is intended to decrease at a pace that is roughly equivalent to the declining balance of a capital and interest repayment mortgage.

Increasing Term

Increasing term life insurance increases the sum insured by a predetermined amount annually throughout the period of the policy. It is designed to protect the policy’s value against inflation.

Critical Illness Cover

Critical Illness Cover and children’s critical illness cover pays out if you or an insured child falls seriously ill with one of the illnesses covered by the policy, usually with a single lump sum payment.

Over 50s

With over 50s life insurance, there is a guaranteed lump sum payment at the end of the policy & no medical examination is required to get covered. It is usually used for funeral costs.