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Why Use TheLifeSupermarket?
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We partner with trusted UK insurers to give you a clear view of your options—all in one place.
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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 assurance works by providing permanent life cover with a guaranteed payout.
Here’s how a typical life assurance policy works:
Choose your level of cover – This is the amount your beneficiaries will receive when you die.
Pay regular premiums – Usually monthly or annually.
Cover lasts for life – There is no expiry date for life assurance.
Guaranteed payout – When you pass away, your chosen beneficiaries receive the lump sum.
Unlike some types of life insurance that expire after a fixed term, life assurance remains in place for your entire lifetime as long as payments continue
Why Does Life Assurance Matter?
Life assurance provides a financial safety net for the people you care about most. Unlike some policies that only last for a set number of years, life assurance is designed to last your entire lifetime, meaning your loved ones are guaranteed to receive a payout whenever you pass away, as long as premiums are maintained.
This reliability is backed by industry data; according to ABI data for 2024, 99.99% of whole of life insurance claims were paid. Source: Association of British Insurers (2025).
Having life assurance in place can give you peace of mind today, knowing your family will have financial support when they need it most.
Life assurance can help your loved ones:
- Receive financial support after you pass away
- Cover funeral costs and end-of-life expenses
- Pay off outstanding debts
- Help keep the family home by contributing to mortgage or rent payments
- Replace lost income so your family can adjust financially
Not sure if you need it?
GET MY FREE QUOTE NOW Why Apply for Life Assurance at TheLifeSupermarket.com?
Protect the People Who Matter Most
Life assurance provides long-term financial protection for your loved ones. It ensures a guaranteed payout when you pass away, helping support your family with important costs and giving you peace of mind for the future
Start Your Application in 60 Seconds
Our simple online form lets you begin your life assurance application in as little as 60 seconds. The first stage is quick and straightforward, helping you explore your options without a lengthy process. Once completed, one of our trusted UK insurance partners will contact you to help you review suitable life assurance policies.
We Work With Trusted UK Insurance Partners
We work with established insurers so you can review reliable life assurance policies and make an informed decision for your family.
Average cost of a funeral in 2024 was
£9,797
How Could Life Assurance Benefit Your Family
Protecting Your Loved Ones is Important
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.
How Much Does Life Assurance Cost?
Finding Affordable Protection that Works for You.
Life assurance, more commonly known as whole-of-life insurance, provides cover for the rest of your life rather than for a fixed term. Although premiums vary significantly, whole-of-life cover average premium is around £10.00 per month for non-smokers, in good health, helping make lifelong cover more affordable. You can also choose higher level of cover, with policies available to suit a range of budgets. Source: Money Help Desk (2026)
Understanding What Influences Your Premium.
It’s important to understand what can affect the cost of your life insurance.
Policy Type
Policies with higher potential payouts or extra features like critical illness cover may have higher premiums. Your expert will explain these options clearly so you can make an informed choice.
Your Circumstances
Factors like your age, smoking status, 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 is 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 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
Whole of Life
±£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 on 2nd February 2026.
£5,599 sum assured
30 year old born in 1996
£4,762 sum assured
35 years old born in 1991
£4,047 sum assured
40 years old born in 1986
£3,445 sum assured
45 years old born in 1981
£3,230 sum assured
50 years old born in 1976
£2,727 sum assured
55 years old born in 1971
£2,221 sum assured
60 years old born in 1966
£1,672 sum assured
65 years old born in 1961
£1,277 sum assured
70 years old born in 1956