How does The Life Supermarket work?

The Life Supermarket allows users to compare multiple life insurance policies and get quotes from top providers instantly, without any obligation.

Is it free to compare quotes?

Yes, using The Life Supermarket is completely free for consumers.

Do I have to take a medical exam?

Some policies require a medical exam, while others offer no-exam options depending on your profile and selected provider.

Critical Illness and Life Insurance

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Same-day cover available†

What Type of Cover Are You Looking For

Critical Illness & Life Insurance

Critical Illness

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Why Use TheLifeSupermarket?

Compare Top Providers

We partner with trusted UK insurers to give you a clear view of your options—all in one place.

Tailored To You

Answer a few simple questions and get quotes that match your needs and budget.

No Fuss, No Jargon

We cut through the confusion so you can understand exactly what you’re getting.

Get Covered Fast

Quick, easy application process—some policies even come with instant cover.

Frequently Asked Questions

Life insurance is a policy that pays out a lump sum to your loved ones if you pass away during the policy term. It’s designed to support them financially when you’re no longer there, for example by helping with bills, debts, or everyday living costs.

Critical illness cover pays out a lump sum if you’re diagnosed with a serious illness listed in the policy, such as cancer, a heart attack, or a stroke. It can help with medical costs, lost income, or recovery expenses. Cover can vary between policies and insurers, so it’s important to check exactly which conditions are included.

The amount of cover you need will depend on your individual circumstances, such as your income, mortgage, debts, and family needs. When considering life insurance and critical illness cover, it’s about choosing a level of protection that would help support your loved ones financially or ease financial pressure if you were diagnosed with a serious illness.

It depends on your personal circumstances, but combining both can offer more complete protection. It means you’re covered financially if you pass away or if you’re diagnosed with a serious illness. For many people, it can also be more cost-effective than taking out separate policies, while providing peace of mind for you and your family.

Combining life insurance and critical illness cover ensures financial protection is in place for your loved ones if you pass away, or for you personally if diagnosed with a specified serious illness during a set period.

Critical illness cover can include serious conditions such as cancer, heart attack, and stroke, although this is not a complete list of all the conditions that may be covered. The illnesses covered, and how they are defined, can vary between insurers and will be explained in your policy documents.

Buy critical illness cover and life insurance

What are the benefits of combining critical illness cover and life insurance?

No one can predict the future - but taking out both critical illness cover and life insurance combined can help provided comprehensive financial protection.

Financial Protection for Your Loved Ones

Combining critical illness cover and life insurance supports you if you're diagnosed with a serious illness and provides security for your loved ones if you pass away during the policy term. A payout can help ease the financial pressure and ensure your family is protected during a difficult time.

Combined critical illness and life insurance can

simplify payments and may be cheaper

than separate policies, while still proven relate protection when its needed most.

Options to Suit Your Family's Needs

You can choose separate policies for critical illness and life insurance, or a combined plan for convenience and potential monthly savings. A life insurance lump sum payout can help cover major expenses such as paying off a mortgage, funding education, clearing debts, or covering funeral costs - with the average funeral in 2024 costing £9,797. Source: SunLife (2024)

It’s important to be aware that the average cost of a funeral in 2024 was

£9,797

and a lump sum could help with these costs. - Source: SunLife (2024)

Thinking About the Future? Life Insurance Can Help You Leave a Legacy.

Life insurance can also be a way to support your loved ones in the long term or contribute to a charitable cause that’s important to you.

For many people, providing financial security for their family is a top priority in fact,

41% of Brits

say it’s one of the most important legacies they can leave. Source: Aviva (2025)

Important: Combined life insurance with critical illness cover typically pays out once — either if you're diagnosed with a covered illness or if you pass away during the policy term. If you choose separate policies, it may be possible for both policies to pay out.

Want Help Getting It Right?

If you're unsure how much critical illness cover and life insurance is appropriate, you don’t have to work it out alone. Our trusted protection partners can:

Life assurance can help your loved ones:

Review your current situation
Help you calculate a suitable level of cover
Compare options from a panel of leading UK providers and insurers
Explain everything clearly, without jargon

Their role is to help you build protection that fits your circumstances and budget. Speaking to an expert can give you confidence that your cover is set up properly from the start.

Get Critical Illness Cover and Life Insurance

What does life and critical illness insurance cover?

Critical illness cover can include serious conditions such as Cancer, Heart attack, Stroke, Multiple sclerosis, and Kidney failure. Although this is not a complete list of all the conditions that may be covered. The illnesses covered, and how they are defined, can vary between insurers and will be explained in your policy documents.

Buy critical illness cover and life insurance

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All data is stored on secure servers utilising advanced encryption and protection technologies.

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We will never share your personal information without your explicit consent, ensuring your details remain safe and secure.

We are committed to protecting your information while assisting you in finding a life insurance policy that meets your needs.

Pricing

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd February 2026.

†From £10 per month for up to £280,000 is an example based on the following pricing illustrations. £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 on 2nd February 2026.

£289,847 over 20 years

30 years old born in 1996

£173,440 over 20 years

35 years old born in 1991

£123,428 over 15 years

40 years old born in 1986

£81,616 over 15 years

45 years old born in 1981

£59,917 over 10 years

50 years old born in 1976

£34,029 over 10 years

55 years old born in 1971

£18,089 over 10 years

60 years old born in 1966

£11,689 over 10 years

65 years old born in 1961

£7,068 over 10 years

70 years old born in 1956

†From £5 per month for up to £90,000 is an example based on the following pricing illustrations. £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 on 2nd February 2026.

£98,704 over 20 years

30 years old born in 1996

£63,621 over 20 years

35 years old born in 1991

£48,288 over 15 years

40 years old born in 1986

£31,699 over 15 years

45 years old born in 1981

£23,483 over 10 years

50 years old born in 1976

£15,467 over 10 years

55 years old born in 1971

£7,844 over 10 years

60 years old born in 1966

£5,837 over 10 years

65 years old born in 1961

£3,532 over 10 years

70 years old born in 1956