Life Insurance Rates UK

Your age, health and lifestyle all play an important part in the rates you will be charged for your life insurance. As a result you may end up paying higher premiums if you are older, in poor health or you have a high risk occupation. Smoking also increases the cost of life insurance, so quitting is advisable to bring down your premiums. Never be tempted to withhold information about your state of health or your habits, as with false information your family cannot receive a payout, so lower monthly insurance payments would prove futile. Getting quotes using our form allows you to get an overview of the life insurance rates UK, but getting in touch with one of our team will quickly clarify whether you are eligible for a given policy.


When you die, your life insurance provider will pay out a lump sum of money to your family so that they can cover costs such as paying for your funeral, or settling any outstanding debts. This payout can also help those close to you avoid financial hardship following your death, as with a lump sum they have the means to meet their needs more easily. Depending upon your age, the premiums you have to pay will vary. The best way to find out life insurance rates by age is to fill out the form below to get an affordable quote on life cover.

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Life insurance policies take your age into account, as this not only affects the length of policy you will need, but also other factors that affect the premiums you will pay. While youth can work in your favour, as you are generally in better health, life insurance rates also take into account lifestyle choices, so more risky pursuits can also push up the cost of a life insurance policy. However, as information is gathered about your medical conditions and your lifestyle, this will help to decide the overall life insurance cost irrespective of whether you are 25 or over 50.

Policies for life insurance usually range from between 5 and 25 years, although longer and shorter policies are available. It is important to remember though that if you take out term life insurance that these will only pay out if your die during the fixed period of time that you took out the policy for. On the other hand whole of life policies make payments whenever you die, so long as you have kept up paying your monthly premiums. Over 50s life insurance works on the same basis as whole of life cover.

If you are over 50, you want a policy that reflects your personal requirements, which is why there are many providers who offer cover that is specifically tailored to provide life insurance over 50. Our team of helpful advisers can provide you with more information about the cost of life insurance policies for the over 50s and which are most suited to your needs.


Providers use medical examinations to assess the general health of new customers. They can then use this to offer you the best premiums and policy lengths. If you do not wish to have a medical exam in order to adjust your premium and term rates, you can get a life insurance over 50 no medical policy. This is because anyone aged over 50 is accepted, even if you have a history of medical problems or you are currently ill. However, there is usually an upper age limit on over 50s life insurance plans and you may need to have made a minimum number of payments before you can make a claim. If you would like to know more about how these protection plans for the over 50s work, one of our advisers can help you understand the benefits.

Life Insurance Rates Going Up

The premiums you have to pay for your life insurance depend on many factors. Providers will take into account everything from your age and health to your lifestyle. Deciding how much life coverage you want means you can then get a quote to help you see what life insurance rates you would have to pay. Our easy to complete form below shows you just how affordable premiums for life insurance are, allowing you to protect your family from financial hardship after your death.

The rates you pay for life insurance can also change, meaning that you may end up paying more for your policy than you expect. For instance, certain laws and European rulings impact on the amount you pay for premiums. Although it used to be cheaper for women to take out life coverage, as they are less likely to suffer an early death, since 2013 unisex insurance premium rates have been in force, so life insurance costs the same for men and women now with similar circumstances. It is a good idea to keep up to date with the news regarding changes in legislation, so that you find out as soon as possible about life insurance rates going up, allowing you to plan accordingly.

Life Insurance Rates Calculator

As well as finding out exactly how much you need to be covered for by your life insurance policy, you can also use specialist online calculators to estimate the monthly premiums you will have to pay. The larger the payout you wish your family to have, the larger the premiums you can expect to pay, while insurance rates vary depending upon which provider you choose, as well as the term length of your policy. You should choose your length of policy carefully, ideally allowing it to run for as long as others are dependent on you, which may be till your children have left university or until your mortgage is paid off. Using a life insurance rates calculator is a good way of getting an idea of how much life insurance would cost for you. With this information you can then discuss your specific needs with one of our expert life insurance advisers to make sure that you get the best deal on coverage that is right for your circumstances.