Value life insurance

Life can be unpredictable, so it’s worth having a safety net in place to protect your loved ones. That’s why Cavendish Online offers life insurance and other protection products at reduced premiums from leading insurers.

Our team of insurance experts will work with you to find the right policy that fits your needs and budget. We work with a range of insurers to offer an array of options, whether you’re looking for term life insurance, whole, or critical illness cover.

We understand that insurance can be a complex process, which is why we’re committed to making it as straightforward as possible. Get started today and secure your peace of mind.

How to get affordable life cover with Cavendish Online

Through the Cavendish Online website, we have an online quote and apply service for life insurance. Instead of commission, we instead charge a one-off fee of £25. This helps us reach our goal of offering customers the lowest possible premiums.

We offer 3 separate routes to apply:

Route 1

Route 1 offers online life insurance with the lowest premiums. You can quote and apply online, making all the decisions yourself and potentially being covered within 30 minutes. This route is best for those who know exactly what they need, are in good health, and are confident in writing a policy in trust.

Quote & apply online

Route 2

Route 2 allows you to quote and apply with the guidance of our insurance experts. With their help, it could cover you within 30 minutes. This route is best for those who need expert help in selecting the right policy and have minor health issues.

Call us on01329 248 735 (Monday to Friday, 10am to 6.30pm)

Route 3

Route 3 is for those with medical disclosures or hazardous occupations. You can request a callback so that our advisers can help you find the most suitable and affordable policy for your needs. This route is best for those who would like an adviser to recommend a policy and have or have had medical conditions.

Call our advised team on01392 436 193 (Monday to Friday, 9am to 5.30pm)

How much does life insurance cost?

Life cover can provide financial support to your loved ones if something happens to you. It could be used to help cover costs such as funeral expenses, mortgage payments or other debts.

The cost of life insurance depends on a range of factors, including:

Which type of cover do I need?

When it comes to life insurance, there are a few types of cover available:

Life insurance (also known as "term life insurance")

Term life insurance is a life insurance policy that pays out a lump sum if the policyholder dies during a specified term. It’s typically the most affordable option as cover is limited. There are a variety of different plans available, including level term life insurance, decreasing term life insurance and increasing term life insurance.

See also: How Much Life Insurance Do I Need?

Whole life insurance (also known as "life assurance")

Whole life insurance provides cover for your entire life, regardless of when you die. During this time both the cost of premiums and pay out value remain fixed. Unlike term life cover, it provides long-term cover for your family.

See also: Whole and term life insurance: Which is better?

Critical illness cover

Critical illness cover pays out a lump sum if you are diagnosed with a critical illness or injury during the policy term. It’s designed to help you and your family financially, if you become ill. It may also be purchased as an add-on to an additional life policy.

Get peace of mind with Cavendish Online

At Cavendish Online, we have access to a range of insurers, meaning we can shop the market for you to find the most affordable premiums.

We understand that life insurance isn’t a one-size-fits-all product. Our experts are on hand to help you make the right decisions and get the best value for your money. Get started today and secure your family finances.