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Aviva Legal & General LV= Vitality Zurich
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Types of Life Cover

Choose the protection that's right for you and your family

How It Works

Getting protected is simple and straightforward

1

Tell Us About You

Complete our simple form with your details. Quick and easy, no paperwork.

2

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A specialist broker will compare quotes from top UK insurers for you.

3

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Top UK Insurers Are Fighting For Your Business

Let them compete to give you the best price

Aviva The Exeter Legal & General LV= Royal London Vitality Zurich

Why Choose UK Life Cover?

We make protecting your family simple and affordable

✓ Trusted Experts

Our partner brokers are experienced specialists who will find the right cover for your needs, giving you peace of mind.

✓ Expert Brokers

Speak to qualified insurance specialists who will help you find the right cover for your needs and budget.

✓ No Obligation

Get your free quote with no commitment. Compare options and only proceed if you're happy.

✓ Competitive Quotes

Compare quotes from top UK insurers to find competitive premiums for your circumstances.

✓ Quick & Easy

Our streamlined process makes getting a quote simple. No lengthy forms or paperwork required.

✓ UK Based

We're a UK company working with UK insurers. Local expertise for your protection needs.

How Much Cover Could You Get?

Compare real examples across different types of life insurance.

Level Term Life Insurance

Fixed payout amount throughout the policy term. Ideal for family protection.

AgeCover AmountTermInsurer
30£98,70420 yearsAviva
35£63,62120 yearsAviva
40£48,28815 yearsAviva
45£31,69915 yearsAviva
50£23,48310 yearsAviva
55£15,46710 yearsAviva
60£7,84410 yearsAviva
65£5,83710 yearsAviva
70£3,53210 yearsAviva
*From £5 per month for up to £90,000 is an example based on the pricing illustrations above. £5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 2nd February 2026.
AgeCover AmountTermInsurer
30£289,84720 yearsAviva
35£173,44020 yearsAviva
40£123,42815 yearsAviva
45£81,61615 yearsAviva
50£59,91710 yearsAviva
55£34,02910 yearsAviva
60£18,08910 yearsAviva
65£11,68910 yearsAviva
70£7,06810 yearsAviva
*From £10 per month for up to £280,000 is an example based on the pricing illustrations above. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 2nd February 2026.

Decreasing Term (Mortgage Protection)

Cover decreases over time to match your mortgage. Often more affordable.

AgeInitial CoverTermInsurer
30£151,65420 yearsAviva
35£108,17120 yearsAviva
40£80,22115 yearsAviva
45£49,35615 yearsAviva
50£40,16710 yearsAviva
55£26,75410 yearsAviva
60£15,31410 yearsAviva
65£10,31410 yearsAviva
70£5,60310 yearsAviva
*From £5 per month Life Insurance quoted rates are based on decreasing term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 4th February 2026.
AgeInitial CoverTermInsurer
30£477,67820 yearsAviva
35£346,99620 yearsAviva
40£262,16215 yearsAviva
45£166,34315 yearsAviva
50£127,66710 yearsAviva
55£73,24510 yearsAviva
60£34,26510 yearsAviva
65£20,48810 yearsAviva
70£11,20010 yearsAviva
*From £10 per month Life Insurance quoted rates are based on decreasing term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 4th February 2026.

Life + Critical Illness Cover

Pays out on death OR diagnosis of a serious illness. Double protection.

AgeCover AmountTermInsurer
30£30,32720 yearsAviva
35£21,23720 yearsAviva
40£17,33515 yearsAviva
45£12,92015 yearsAviva
50£10,12510 yearsAviva
55£7,28710 yearsAviva
60£6,46910 yearsAviva
*From £10 per month Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 2nd February 2026.

Whole of Life Insurance

Guaranteed payout whenever you die - no end date. Ideal for inheritance planning.

AgeSum AssuredTermInsurer
30£5,599LifetimeZurich
35£4,762LifetimeZurich
40£4,047LifetimeZurich
45£3,445LifetimeZurich
50£3,230LifetimeZurich
55£2,727LifetimeZurich
60£2,221LifetimeZurich
65£1,672LifetimeZurich
70£1,277LifetimeZurich
*From £8 per month quoted rates are based on whole of life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 2nd February 2026.
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*** Rating shown is for our main broker partner, Reassured, as of July 2025. *Based on a non-smoking 30-year-old, £100,000 level term life cover over 25 years. Actual premiums depend on individual circumstances.