Life Insurance Estimator
Writing your policy in trust means the payout goes directly to your beneficiaries without being subject to Inheritance Tax or probate delays.
Level Term
£38 /month
Annual: £452
Total premiums: £11,289
Fixed cover amount throughout the term. Ideal for protecting a specific liability like an interest-only mortgage or providing a fixed lump sum for dependants.
Decreasing Term
£23 /month
Annual: £271
Total premiums: £6,774
Cover reduces over time, matching a repayment mortgage balance. The most cost-effective option for protecting a capital repayment mortgage.
Whole of Life
£123 /month
Annual: £1,470
Total premiums: £73,500
Guaranteed payout whenever you die — no fixed term. Often used for inheritance tax planning. Premiums are higher but cover is permanent.
Family Income Benefit
£17 /month
Annual: £203
Total premiums: £5,079
Pays a regular tax-free income to your family instead of a lump sum. Provides an annual income from date of death until the end of the term.
Monthly Premium Comparison
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Your adviser can access quotes from 20+ UK insurers simultaneously through specialist platforms, often finding lower premiums with additional benefits like waiver of premium or guaranteed insurability options.
Message your adviserThese figures are estimates based on typical UK market rates. Actual premiums will depend on your full medical history, lifestyle, and the insurer's underwriting criteria. Always seek professional advice before purchasing life insurance.