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What do I need to get a life insurance quote?

To get a life insurance quote, you’ll need: 

  • your name
  • date of birth
  • whether you are a smoker or use nicotine substitutes
  • how long you need cover for
  • how much cover you want
  • any joint policyholder details

Top tips for cheaper life insurance

Top tips for cheaper life insurance

  • Start early – the younger and healthier you are, the cheaper your policy will be.
  • Put your policy in trust – it will ensure your beneficiaries won’t have to pay inheritance tax and will speed up the payment process.
  • Combine your cover – critical illness cover and income protection could give you total peace of mind and combining them with life insurance could work out cheaper than separate policies.
  • Shop around – don’t just go for price alone. Make sure you get the right cover for your individual needs. Shopping around and comparing a range of quotes can help you weigh up your options and get a better deal.
  • Review your cover – it could be that your health has improved since you first took out your cover. If you’ve made positive lifestyle changes, you might be able to find a cheaper policy now.
  • Be honest, always – don’t try to hide important health information to get a cheaper deal – it’s just not worth the risk of losing the pay-out. If you’re not sure how to answer health-related questions on your application form, ask your insurance provider to write to your GP.