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Why Use TheLifeSupermarket?
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Answer a few simple questions and get quotes that match your needs and budget.
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Quick, easy application process—some policies even come with instant cover.
Frequently Asked Questions
How can I save money on critical illness cover?
- Make healthy lifestyle choices
Staying active, eating nutritious meals, avoiding smoking, and drinking alcohol in moderation can all help reduce your risk of serious illness. This, in turn, may result in lower insurance premiums.
- Look into a combined policy
Choosing a policy that bundles critical illness cover with life insurance can often be more affordable than purchasing two separate plans, if you need both types of cover.
- Compare different providers
Premiums and benefits can vary significantly between insurers, so reviewing multiple quotes can help you find the best value for the level of cover you need.
- Review your cover and get updated quotes
Premiums and benefits can vary significantly between insurers, so reviewing multiple quotes can help you find the best value for the level of cover you need.
How much critical illness insurance do you need?
The amount of critical illness insurance you need varies based on your financial situation and family needs. Consider your outstanding debts, monthly living expenses, and potential income replacement while recovering from an illness. Additionally, factor in any healthcare costs and your dependents' financial needs.
What’s the Benefit of Combining Life Insurance with Critical Illness Cover?
No one can predict the future — but you can be better prepared for it. Taking out both life insurance and critical illness cover means you're covered for two of life’s biggest “what ifs”: serious illness and untimely death.
Support when illness strikes:
If you're diagnosed with a serious health condition, critical illness cover provides a lump sum to help pay for treatment, recovery, or day-to-day costs — so you can focus on healing, not finances.
Security for your family's future:
Life insurance helps ensure that, if you’re no longer around, your loved ones have the money they need to stay in their home, cover living expenses, or plan for the future.
Peace of mind:
Combining both types of cover means you have broader protection — whether it's a health crisis or something unexpected. You’ll feel more confident knowing you and your family are financially supported, whatever life brings.
How Much Does Life and Critical Illness Insurance Cost?
Finding Affordable Protection that Works for You.
We know cost is a key consideration. Combining life insurance with critical illness cover can sometimes be more cost-effective than buying two separate policies. For example, many life insurance policies start from around £9.71 per month (based on the 2025 average), while the average cost for a combined life and critical illness cover is about £49/month for £100,000 of cover.
- Source: iaminsured.co.uk (2025)
At Thelifesupermarket.com, our aim is partner you with an expert to help you explore suitable coverage options at a price that fits your budget.
Understanding What Influences Your Premium.
It’s important to understand what can affect the cost of your life or critical illness insurance:
Policy Type
Policies with higher potential payouts or extra features such as standalone critical illness cover or combined life & critical illness plans — may have higher premiums, but in some cases a combined policy can work out more cost-effective than taking two separate plans. A friendly expert will explain these options clearly so you can make an informed choice.
Your Circumstances
Factors like your age, smoking status, health and lifestyle (for example, participation in high-risk sports) can influence your premium. Whether you’re in your 20s or over 50, a smoker or non-smoker, our experts are here to help you compare options and find a policy that’s appropriate for your individual situation.
Your Privacy and Security are Important to Us.
At thelifesupermarket.com, we are committed to protecting your personal data. As an Information Commissioner-registered company, we adhere to high standards of privacy and security to ensure your information is handled responsibly.
Regulated and Compliant:
We operate with full regulatory compliance, ensuring your information is handled with care and integrity.
Secure Data Storage:
All data is stored on secure servers utilising advanced encryption and protection technologies.
Your Data, Your Choice:
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 5th February 2025.
Critical Illness
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 5th February 2025.
Up to £30,753 over 20 years
30 years old born in 1996
Up to £22,278 over 20 years
35 years old born in 1991
Up to £18,353 over 15 years
40 years old born in 1986
Up to £13,425 over 15 years
45 years old born in 1981
Up to £10,171 over 10 years
50 years old born in 1976
Up to £7,100 over 10 years
55 years old born in 1971
Up to £4,805 over 10 years
60 years old born in 1966
