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For online life insurance with our lowest premiums, quote and apply now - you make all the decisions and could be covered within 30 minutes.
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Our life insurance experts can help you to decide what you'll need and can guide you through your quote. With their guidance you could be covered within 30 minutes.
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Getting life insurance needn't feel like a chore. OK, we can’t promise you’ll have fun doing it, but we do our best to make the process as refreshingly straightforward as it ought to be.
It really is one of the most important insurance products you can possibly have. Not necessarily for you, but for your loved ones. We all want what’s best for the people we care about, so life insurance is a way of making sure they’ll be looked after if you’re no longer around.
If you have children, a partner or other family members that depend on your income to cover their living expenses and the home they live in, you should consider taking out a policy today.
There’s a life insurance policy out there to suit a range of needs and budgets. You might even be surprised by how affordable life insurance can be.
As one of the UK's leading online life insurance brokers, Cavendish Online, we are committed to helping customers find affordable life insurance quotes. We provide customers with all the information they need to make an informed decision about what kind of policy is right for them.
Once we’ve taken some contact information and you’ve answered some questions relating to your lifestyle and health in general - you could have life cover arranged in as little as 30 minutes.
Bear in mind you may also need some of your medical information at hand, so it certainly makes things easier when you’re duly prepared at your end. If you’re applying for a joint policy, the same goes for your partner as well. Also, having an idea about what kind of policy you’re looking for is also a good idea, as it can make sure you go down the right path from the outset.
If you’ve already been looking at different life insurance options, you may have noticed that you could get a separate ‘single’ life insurance policy as an individual, or as a joint life insurance policy with your partner or spouse. Some people like this option as it’s easier to manage and can be cheaper than both having separate policies.
Whole life insurance (also known as life assurance)
This type of cover protects you for the rest of your life, paying out a lump sum to your loved ones when you die. Both the death benefit and cost of your monthly premiums remain fixed throughout the policy.
Term life insurance (often known as life insurance)
Unlike whole life insurance, term life policies cover you for a set period of time. In this case, the policy only pays out, providing you've died within the agreed policy term.
There isn’t a policy which is the best for everyone. No life insurance is ‘one size fits all’. However, if you keep reading, you should be able to grasp an understanding of which policy will be the best for you. Firstly, we need to establish the different policies out there. Simply speaking, there are two types of life insurance, ‘whole-of-life’ and ‘term’ but there are many other policies which fall under the latter. To get an understanding on which policy does what, click here.
So, now you understand each policy a bit better, we’ll now breakdown which cover is best for each situation, hopefully helping you decide which one will be best for you.
Whole life cover: This insurance is best if you’re looking to clear an Inheritance Tax Bill (IHT) or to provide a lump sum to your loved ones. Learn more about whole life cover.
Level term: This insurance is great if you have to pay off an interest-only mortgage or if you have children and want them to sustain the same quality of life. Learn more about level term life insurance.
Decreasing term: This insurance is ideal if you need to protect a repayment mortgage or situations where the cover decreases over time. Learn more about decreasing term life insurance.
Increasing term: This insurance will be for you if the cover you require needs to stay in line with inflation, such as purchasing of an asset. Learn more about increasing term life insurance.
Convertible term: This insurance is great for those who need flexibility.
Family income benefit: This type of policy is a popular choice for those looking to support dependants in the event of their passing away. Typically Family Income Benefit policies pay out a smaller lump sum monthly, quarterly or annually. Learn more about family income benefit.
Over 50’s: Such policies are not medically underwritten and instead have a moratorium period. For this reason they are popular with those with more complex medical histories, or those wanting to help loved ones cover funeral cost. Learn more about Over 50's cover.
Renewable term: This insurance covers suits you if you have a need which is temporary, but may need to extend.
Joint life: This insurance is ideal for couples or those who have a joint mortgage. Learn more about joint life insurance.
Critical illness: Such policies will pay out if you are diagnosed with a Critical Illness which meets the providers definition, supporting you and your family financially should the worst happen. Learn more about critical illness cover.
If you already have a policy in place that’s great - however, when was the last time you looked at it? Are you sure if it still meets your needs? If you’re wondering whether you could be getting a better deal, the team at Cavendish may be able to help.
Did you also know that most standard term policies nowadays can be applied for online, so you don’t even need to pick up the phone!
However, if you'd rather speak with one of our friendly and professional insurance specialists, you can give us a call on:
03456 44 25 40 Monday to Friday, 9.30am - 5.30pm
The average cost of life insurance per month is around £10 based on various quotes which have been taken (Source: Bought By Many). This is based around a 35-year-old who doesn’t smoke and is a light drinker. Somebody who lives a less healthy lifestyle or has a more complex medical history may see that their monthly cost will be higher. As well as your lifestyle choices, the length of your cover and the plan you choose will also affect your premiums.
When you select a life insurance policy with 'Guaranteed' premiums, the monthly cost is fixed and will never increase. Typically, a larger sum assured/payout will command a higher monthly premium - so this is something to bear in mind!
If you want more information regarding the cost of various plans, then be sure to get in touch.
Protecting your loved one doesn’t have to strain your finances. At Cavendish Online we’ll help you find a cheap life insurance policy that meets the needs of you and your loved ones. That way you and your family can use the money saved on premiums towards something you can all enjoy.
Besides providing peace of mind for your loved ones, life insurance is one of the best sources of financial protection. The payout from your policy can help your loved ones with payments such as:
Living costs
Household bills
Mortgage payments
Funeral costs
Paying off outstanding debts or loans
Unfortunately, there isn’t a one-size-fits-all approach to life insurance. The cost of cover depends on several factors regarding your health & lifestyle.
These key factors can include: age, health and medical history, occupation and lifestyle, type of policy, length of cover.
Here are just a few ways you can save money on life insurance cover:
Apply for cover at an early stage - As you get older the cost of life insurance can rise significantly. Therefore, getting cover when you are young can save you money on premiums with fixed rates.
Stop smoking - Life insurance premiums are generally more expensive for smokers (not to mention bad for your health!). Quitting can help reduce the cost of your policy even if you already have cover.
Understand how much cover you need - Before you buy life insurance it’s important to understand the various types of cover. In addition, you should have an idea of the amount of cover you require. You may not need as much as you first thought, which can help towards reducing your premiums.
Thanks to Cavendish you can get an online life insurance quote in a matter of minutes! Find our lowest premiums from many of the country's leading life insurers.
Require further advice? Our helpful team of life insurance experts are just a phone call away. They can help advise you on which policy is right for you and your loved ones. Call now on:
01392 436 193 Monday to Friday, 9am - 5.30pm
If you do not reside in the UK we are unable to help you get cover in place.
We are also unable to provide cover to people residing in Guernsey, Jersey and the Isle of Man.
For more details and to discuss your options please get in touch.
Call us on 01392 436 193 (Monday - Friday 9am - 5.30pm) or request a call back.
The quotes obtained via our site come directly from the insurance providers and are subject to change at any time.
If you’re unsure about how long your quote lasts, contact the provider with whom it was issued.
Compare cheap life insurance quotes from top UK providers in just minutes through our online form.
If you are unable to pay your premiums, there are usually a few options available.
For example, if you are struggling to pay your premiums because you’re currently off work ill, and your plan includes waiver of premium, your insurer will cover your premiums for you and you won’t lose the cover.
Alternatively, they may be able to grant you some sort of payment holiday or repayment plan.
It’s important to speak to your insurer before making any decisions about your policy. They will be able to provide more information and advice on what options are available.
