Cheapest Life Insurance Quotes in the UK
Discover 7 deals available this month.
1.Legal & General Life Insurance
Legal & General offers life insurance starting at £5 per month with coverage up to £1.1 million for young adults. They provide decreasing term policies tailored for mortgage protection.
View Deal →Legal & General stands out with affordable premiums and flexible options like decreasing term cover, ideal for those needing mortgage-linked protection.
Pros:
- Premiums start as low as £5 per month
- High coverage limits up to £1.1 million for young policyholders
- Decreasing term options suitable for mortgage protection
Cons:
- Limited detailed information on additional benefits
- No reported incentives like gift cards or wellness apps
- May not include extra services such as digital GP consultations
2.Aviva Life Insurance
Aviva Life Insurance starts from £5 a month and offers gift cards between £50 for premiums of £5-£9.99. It has a high payout rate of 99.4% and includes access to a wellness app.
View Deal →Offering a combination of affordable premiums and rewarding extras, Aviva stands out with its high payout reliability and added wellness support. If you want value with a bonus gift card incentive, this provider is worth considering.
Pros:
- Premiums starting from just £5 per month
- Gift cards worth £50 for premiums between £5 and £9.99
- High payout rate of 99.4%
- Includes a wellness app for health support
Cons:
- Gift card incentive only applies to premiums under £10
- No detailed information on coverage amounts in this data
- Wellness app benefits may vary depending on usage
3.LV= Life Insurance
LV= Life Insurance offers premiums from £5 per month with a 97% claims payout rate, including free digital GP access and a children’s critical illness option.
View Deal →Affordable coverage coupled with additional health services makes LV= a practical choice for those seeking more than just basic life insurance.
Pros:
- Premiums start from just £5 per month
- High claims payout rate of 97%
- Includes free digital GP service
- Children’s critical illness cover available
Cons:
- No mention of discounts or rewards
- Limited information on maximum cover amounts
- Fewer incentives compared to competitors offering gift cards
4.NatWest Life Insurance (via Aviva)
NatWest Life Insurance via Aviva starts from £5 a month, with nearly half of customers paying £16 or less. Policies include gift cards up to £100 as an incentive.
View Deal →Offering affordable premiums with added gift card rewards, NatWest Life Insurance via Aviva provides value for budget-conscious customers. Its pricing structure appeals to many, though details on coverage specifics remain limited.
Pros:
- Premiums starting as low as £5 per month
- 46% of customers pay £16 or less monthly
- Gift cards available up to £100
Cons:
- Limited information on coverage details
- Gift card incentives may have eligibility restrictions
- Less transparency compared to some competitors
5.Reassured Broker Service
Reassured Broker Service offers life insurance quotes starting from 20p a day (£6 per month), with an average decreasing term policy costing around £29.75. It compares quotes from the top UK providers to help find suitable coverage.
View Deal →At just 20p daily, Reassured provides a low-cost entry point for life insurance through broker comparisons, making it a flexible option for budget-conscious shoppers.
Pros:
- Affordable starting price at 20p per day (£6/month)
- Compares multiple top UK life insurance providers
- Offers average decreasing term policy at £29.75
Cons:
- Average policy price higher than entry-level quotes
- No specific additional features or benefits mentioned
- Service focuses on quotes rather than direct coverage
6.Vitality Life Insurance
Vitality Life Insurance premiums start from £5 to £8 per month and offer up to 40% discounts with a 94.6% claims payment rate. It provides affordable coverage with notable savings for eligible customers.
View Deal →Offering competitive premiums with substantial discounts, Vitality Life Insurance appeals to cost-conscious buyers seeking reliable claims support. Its discount structure can notably reduce costs for healthier policyholders.
Pros:
- Premiums start at £5-£8 per month
- Up to 40% discounts available
- Claims paid at a rate of 94.6%
Cons:
- Claims payout rate slightly lower than some competitors
- Discounts may depend on customer health and activity
- Limited information on additional benefits or incentives
7.Zurich Life Insurance
Zurich Life Insurance offers competitive premiums starting from £5 per month, including multi-fracture cover for added protection. It provides strong value within the UK life insurance market.
View Deal →Offering affordable premiums paired with specialized multi-fracture coverage, Zurich stands out as a solid choice for those seeking balanced protection without high costs.
Pros:
- Premiums start from a low £5 per month
- Includes multi-fracture cover for enhanced protection
- Delivers strong overall value in the UK market
Cons:
- No specific details on payout rates or additional benefits
- Lacks incentives such as gift cards or wellness apps seen in competitors
- Limited information on policy customization or term options
Final Words
To secure the cheapest life insurance quotes this February, you should take time to compare options from top UK providers and consider current offers like gift cards and discounts. By exploring these choices carefully, you can find a policy that fits your budget and coverage needs effectively.
Frequently Asked Questions
Legal & General offers life insurance starting at £5 per month with coverage up to £1.1 million for a 20-year-old. They also provide decreasing term policies designed for mortgage protection.
Yes, Legal & General offers decreasing term life insurance policies that are tailored specifically for mortgage protection, helping to cover outstanding mortgage balances.
Legal & General provides life insurance with coverage up to £1.1 million for 20-year-olds, making it a strong option for young adults seeking affordable, high-value protection.
Yes, other providers like Aviva, LV=, NatWest (via Aviva), Vitality, and Zurich also offer life insurance starting at around £5 per month, often with added benefits like gift cards or wellness apps.
Using broker services like Reassured can help, as they provide quotes from 20p a day and compare top UK providers to find the best deals suited to your needs.
Providers like Aviva include gift cards and wellness apps, LV= offers a free digital GP service and children's critical illness options, while Vitality provides premium discounts up to 40%.
