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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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We cut through the confusion so you can understand exactly what you’re getting.
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Quick, easy application process—some policies even come with instant cover.
Frequently Asked Questions
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.
“At Thelifesupermarket.com, we make it easy to connect with trusted partners who can help you find the right coverage at a price that works for you.”
How can I save money on critical illness cover?
You may be able to reduce the cost of critical illness cover by maintaining a healthy lifestyle, as factors such as smoking, alcohol consumption, and overall health can influence how insurers assess risk and calculate premiums.
Choosing a combined policy that includes both life insurance and critical illness cover may also be more cost-effective than taking out separate plans. It’s important to compare quotes from different providers and regularly review your cover to ensure it continues to provide the right level of protection for your needs.
Healthy lifestyle choices may help reduce premiums, but this is not guaranteed.
GET MY FREE QUOTE NOW 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.
GET MY FREE QUOTE NOWWhat’s the Benefit of Combining Life Insurance with Critical Illness Cover?
No one can predict the future — but taking out both life insurance and critical illness cover can help provide financial protection if you're diagnosed with a serious illness or if you pass away during the policy term.
Financial protection for your loved ones
Life insurance is designed to help provide financial security for your family if the unexpected happens. We understand that losing a main earner can cause significant financial strain, and a policy can offer regular payments or a lump sum to help ease this burden during a difficult time.
Options to Suit Your Family’s Needs.
You might prefer a single lump sum payout, which can be used to manage significant expenses like paying off a mortgage, covering educational costs, clearing debts, or handling funeral costs. 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.
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