Answer carefully
Take reasonable care to answer the questions you’re asked honestly, accurately and to the best of your knowledge. Incorrect or incomplete information may change the terms an insurer offers and could affect a future claim.
Get life insurance quotes
A life insurance quote gives you an indication of the cover and premium that may be available based on the information you provide.
Tell us what you’re looking for and we’ll pass the details you submit to our broker partner, Reassured Limited (“Reassured”), to continue your request. A quote isn’t confirmation that cover has started. The insurer may need more information before deciding whether to offer cover and on what terms.
Before you start
Work out how much cover you may need
Use the life insurance calculator
Cover may be available from leading UK insurers
Providers shown are part of the selected panel available through our broker partner.
Get a personalised life insurance quote
Life insurance prices and terms are personal to the applicant. Your quote will reflect factors such as your age, health, smoking or nicotine use and occupation, as well as the amount and type of cover you request.
It helps to think about how much cover you want and how long you may need it before you begin. Our guide to working out how much life insurance you may need explains the main considerations. You can also use the life insurance calculator to estimate a potential cover amount. The calculator estimates cover needs, not premiums.
Get a life insurance quote →How getting a life insurance quote works
The exact journey depends on how the broker service has been set up. Before you submit anything, you should be told who will receive your information and what will happen next.
- 1
Tell us what cover you’re looking for
Provide the information requested in the form. This should be limited to what is needed to start your quote request.
- 2
Send your details to Reassured
After you submit the form, the details you submit will be sent to Reassured Limited so it can continue the request. The full privacy notice explains your data-protection rights.
- 3
Discuss the cover available to you
Reassured will use the details you provide to discuss the cover and terms that may be available. A price or its terms can change if an insurer receives new or different information during underwriting.
What information will you need?
The questions asked should be relevant to the quote and the insurer’s assessment. Exact requirements differ by insurer and policy, but you may be asked about:
- Your age and UK residency
- The cover amount and how long you want it to last
- Whether the cover is for one person or two people
- Your smoking, vaping or other nicotine use
- Your occupation and relevant hazardous activities
- Your health and medical history
- Contact details so the broker can continue your request
Your health information
Health information is special-category personal data and needs additional protection under data-protection law. The live journey will explain who collects it, why it is needed and who receives it.
What affects your life insurance quote?
Insurers assess applications individually. Two people seeking the same amount of cover may receive different prices or terms because their circumstances and the risks being insured are different.
An insurer may offer standard or different terms, apply exclusions, postpone a decision or decline an application.
What affects the cost of life insuranceCommon factors include
- Age
- The likelihood of a claim generally increases with age.
- Health and medical history
- An insurer may consider current health, previous diagnoses, treatment and family medical history.
- Smoking or nicotine use
- Insurers normally ask about current and sometimes previous use.
- Occupation and activities
- Some jobs, sports and hobbies involve greater risk than others.
- Cover amount and policy term
- More cover or a longer term can affect the premium.
- Policy type
- Level, decreasing and increasing cover work differently and may be priced differently.
- Additional cover
- Options such as critical illness cover can change the cost and terms.
What types of life insurance can you request quotes for?
Life insurance comes in several forms. The right route depends on what you want the policy to protect and how you want the cover to change over time.
Level term life insurance
The cover amount normally stays the same during a fixed policy term.
Learn more about level term life insuranceDecreasing term life insurance
The cover amount reduces during the policy term and is often designed to broadly follow a repayment mortgage.
Learn more about decreasing term life insuranceIncreasing term life insurance
The cover amount can rise over time under the policy terms, usually with a corresponding increase in premiums.
Learn more about increasing term life insuranceJoint life insurance
A joint policy covers two people but commonly pays once, after which the cover ends.
Learn more about joint life insuranceLife and critical illness cover
Critical illness cover may pay if the insured person is diagnosed with a condition covered by the policy and meets its definition.
Learn more about life and critical illness coverWhy consider more than one quote?
Insurers can assess the same application differently. If the approved broker journey provides more than one quote, looking at the available options can help you assess both price and policy terms.
The lowest premium won’t necessarily provide the most suitable cover.
Look at the cover amount, term, premium structure, exclusions, policy definitions and included features, as well as the insurer’s final underwriting decision. Our guide explains how to compare life insurance.
Is a quote the same as an application?
No. A quote is an indication based on the details and assumptions available at that point. An application asks an insurer to consider you for cover and may involve further underwriting.
- QuoteAn indication based on what you’ve shared so far.
- ApplicationThe insurer assesses you and may ask for more information.
- DecisionThe insurer may change the premium, add exclusions or offer different terms.
- Cover in forceOnly when the insurer confirms it, from the stated start date.
The insurer may ask for more detail about your health or lifestyle. In some cases, it may ask for permission to obtain relevant information from a medical professional or ask you to attend a medical screening.
Cover doesn’t start merely because you submit a form, receive a quote or make an application. It starts only when the insurer confirms that cover is in force and any applicable conditions have been met.
What happens after you submit your details?
The details you submit will be sent to Reassured Limited so it can continue your request.
During the follow-up, you may be asked about the cover you want, your circumstances and information relevant to underwriting. Further health or medical information may be needed, depending on the insurer and application. Providing details doesn’t itself start a policy.
The confirmed contact method, timing and service details will be added after partner approval.
Questions about requesting a quote
These answers cover points that may come up before you start.
Can I request a quote if I have a medical condition?
You can usually ask for a quote, but an insurer will assess your circumstances individually. It may ask for more details before deciding whether it can offer cover and on what terms.
Life insurance with a pre-existing conditionWill I need a medical examination?
Not everyone is asked to have one. Whether more evidence is needed can depend on the information in the application, the cover requested and the insurer’s process.
Can the final premium differ from the initial quote?
Yes. An initial quote relies on the information and assumptions available at that stage. The insurer may offer a different premium or terms after assessing the full application.
Who will contact me after I submit the form?
Reassured Limited will continue the request. The approved purpose, contact method and timing will be shown beside the live journey.
Ready to request a life insurance quote?
Start by telling us about the cover you’re looking for. A quote doesn’t mean cover is active, and the final price and terms will depend on the insurer’s assessment.
Get a life insurance quote →
Partner and journey disclosures will appear here once approved. Privacy notice