Life Insurance That Protects What Matters Most
Because Your Loved Ones Deserve More Than “What Ifs”
Flexible Plans
FCA Regulated Broker
Customisable Policies
A Policy for Everyone
What Would Happen If You Weren’t There Tomorrow?
Imagine your family waking up one day without you — not just emotionally devastated, but financially vulnerable.
No income to cover the mortgage.
No safety net for the kids’ education.
No support to keep life going the way you built it.
This is the reality thousands of families face every year when a breadwinner dies without life insurance.
At Insured-Life, we help you plan for the worst — so your family can still have the best.
What Is Life Insurance — and Why It Matters
Life insurance is a contract that pays out a lump sum of money to your loved ones if you die during the term of the policy. It’s not just about money. It’s about:
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Keeping your partner in the family home
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Making sure your children can go to university
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Ensuring that grief doesn’t get compounded by financial crisis
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Covering funeral costs, debts, and day-to-day bills when you no longer can
It’s not a luxury.
It’s a lifeline.
Real Talk: What Happens When You Don’t Have It?
Let’s break this down.
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The average UK household relies on two incomes to survive, but most households don’t have six months’ worth of savings.
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If one income disappears, 1 in 3 families would be unable to meet basic monthly expenses within 30 days.
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Funerals alone cost £4,141 on average — before you even think about mortgages, bills, or childcare.
Now imagine your partner having to sort all of that… while grieving your loss.
With the right life insurance policy in place, your family is protected from financial freefall.
Real Talk: What Happens When You Don’t Have It?
Let’s break this down.
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The average UK household relies on two incomes to survive, but most households don’t have six months’ worth of savings.
-
If one income disappears, 1 in 3 families would be unable to meet basic monthly expenses within 30 days.
-
Funerals alone cost £4,141 on average — before you even think about mortgages, bills, or childcare.
Now imagine your partner having to sort all of that… while grieving your loss.
With the right life insurance policy in place, your family is protected from financial freefall.
Why People Trust Insured-Life
At Insured-Life, we make protecting your family simple and affordable.
✅ Personalised Quotes: We match you with the right policies from top UK insurers
✅ Trusted Providers: Legal & General, AIG, Aviva, Royal London, Zurich & more
✅ No Pushy Sales: Just honest advice from protection specialists
✅ Free Policy Trust Setup: So your payout goes straight to your loved ones
✅ Fast & Simple: Most people get covered within 24 hours
Compare Life Insurance Options Side-by-Side
| Policy Type | Coverage Duration | Payout Type | Ideal For | Medical Needed? |
|---|---|---|---|---|
| Level Term | Fixed (10-40 yrs) | Fixed Lump Sum | Replacing income, mortgage cover | Sometimes |
| Decreasing Term | Fixed | Reducing Lump Sum | Repayment mortgages | Rarely |
| Whole of Life | Lifetime | Fixed Lump Sum | Inheritance planning, funeral costs | Often |
| Over 50s | Lifetime | Fixed Lump Sum | Guaranteed acceptance (no medical exams) | Never |
| Joint Life (First Death) | Fixed/Whole | Fixed Lump Sum | Couples looking to cover a shared mortgage | Sometimes |
“How Much Cover Do I Really Need?”
There’s no one-size-fits-all. But a good rule of thumb is:
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Mortgage balance
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Any other debts
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3–5x your annual income
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Children’s future expenses (education, childcare)
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Funeral and probate costs
Don’t know where to start?
Our advisors will walk you through it all — in plain English.
Meet Some of the Families We’ve Helped
“I didn’t want to think about life insurance. But with two kids and a mortgage, I knew I had to be realistic. Insured-Life helped me find cover that gives me peace of mind — and it costs less than my Netflix subscription.”
— James, 38, Essex
“After my husband died, we had no life cover. I had to sell the house. I don’t want other families to go through what we did. If I’d known how easy and affordable it could have been…”
— Anonymous submission to our customer support team
How It Works
Step 1: Tell Us What You Need
We’ll ask a few quick questions — your age, whether you smoke, and what kind of protection you want.
Step 2: Compare Tailored Quotes
We search the market for the best life insurance deals — no junk policies, no spam.
Step 3: Get Expert Help (If You Want It)
Speak to a human who actually understands the products and can answer your questions.
Step 4: Get Covered
Once you’re happy, you can usually get protected within the same day.
“But I’m Healthy — Do I Really Need This?”
That’s exactly why you should get covered now.
👉 Life insurance premiums go up as you get older.
👉 If you develop a medical condition later, you may not get cover at all.
👉 The younger and healthier you are now, the cheaper your policy will be.
Lock in low premiums while you’re healthy and protect your family for decades.
How Much Does It Cost?
You might be surprised.
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A healthy non-smoker in their 30s can get £250,000 of cover from as little as £10 per month
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That’s less than 2 takeaways a month
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Premiums are fixed, so you’ll never pay more than you signed up for
Why Choose Us Instead of Going Direct?
Insured-Life gives you:
🔍 Market-wide quotes — not just one company’s prices
💡 Clarity — no jargon, just real advice
🤝 Support — our advisors aren’t commission-hungry salespeople
🛡️ Security — your policy is reviewed annually to ensure it still meets your needs
Don’t Wait. Your Family Deserves Certainty.
You buy car insurance in case you crash.
You buy home insurance in case of a fire.
But what’s more valuable than your life — and the people who depend on it?
Don’t leave their future to chance.
Secure peace of mind today.
Ready to Take the First Step?
Just press the get a quote button…
We don’t talk to people like they’re just a number
Our expert advisers help people make informed decisions through expert financial advice.
Compare All These Life Insurance Providers
Explore Our Life Insurance Services
Our life insurance process…
01
Needs Assessment
Tell us how much money you would need to financially protect your loved ones
02
We’ll Call You
We will call you to discuss your options and provide comprehensive free quotes
03
You’re Protected
You decide which policy to take and get protected today with no medicals or forms
Top Reasons to Choose Us
Comprehensive Coverage Options
Insured-Life.co.uk offers a wide array of insurance products, including life insurance, income protection, critical illness cover, mortgage protection, and over 50s life cover. This extensive selection allows you to find a policy that aligns with your specific requirements.
Access to Multiple Insurers
As an independent broker, Insured-Life.co.uk compares policies from a diverse panel of leading UK insurers, such as Legal & General, Aviva, and LV=. This independence ensures that you receive unbiased advice and competitive quotes tailored to your circumstances.
Additional Benefits and Services
Beyond standard insurance coverage, Insured-Life.co.uk provides extra services like placing your policy into trust at no additional cost, potentially protecting the payout from inheritance tax.
What Sets Us Apart
Safe Practices
Selling life insurance is about more than just policies—it’s about protecting futures with integrity and responsibility. Safe practices ensure that every client receives honest, transparent, and ethical guidance, helping them make informed decisions with confidence. From clear communication and accurate policy information to adhering to FCA regulationsand safeguarding personal data, trust is at the heart of everything we do.
FCA Regulated
At Insured-Life.co.uk, we are fully FCA-regulated, ensuring the highest standards of security, transparency, and ethical practice in life insurance. This means you can trust us to provide expert advice, fair policies, and protection that truly meets your needs. We work with leading UK insurers to offer reliable cover, giving you peace of mind that your loved ones will be financially secure.
Quick Policy Setup
At Insured-Life.co.uk, we make getting life insurance fast, simple, and stress-free. With our quick policy setup, you can secure the protection you need in just minutes. No lengthy paperwork, no complicated processes—just straightforward cover designed to give you peace of mind.
Get a quote, choose your policy, and enjoy the reassurance of knowing your loved ones are protected.
TESTIMONIALS
Hear from Our Customers
B Grant
Excellent customer service
Excellent customer service. Spoke to Daniel and he was so professional and knowledgeable which was reflected in the information he gave me. Detailed information I must add. I felt at ease throughout the call and never once did I feel I was being pressured to open a policy. It was my decision.
Lesley Phillips
I knew I had to take out a life policy…
I knew I had to take out a life policy for my husband and myself to cover funeral costs but kept putting it off .
Anastasia called us back as requested and guided us through the application. Thank you for making it easier than we thought so informative and helpful giving us the policy that was exactly what we asked for.
Highly recommended
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
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