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Age 18-75
Cover amount: £150,000
Term length: 20 years
£0.00
For £150,000 of cover over 20 years.
Get Official QuoteWeCovr's instant quote estimator helps UK families see a quick life insurance price range, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. It provides a fast way to sense-check costs before requesting formal quotes.
The estimator uses age, cover amount, term length, and smoking status to generate an indicative monthly premium. It is designed for speed and comparison, not underwriting accuracy.
Final pricing depends on medical questions, lifestyle, and insurer rules.
Inputs include age, cover amount, term, and smoker status.
Outputs provide a non-binding monthly estimate.
Use results to shortlist cover levels for quotes.
Insurers price based on detailed health history, occupation, and family medical history. Even small factors can change your final premium.
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
This guide references FCA guidance on insurance advice and typical UK life insurance pricing structures.
| Factor | Typical impact | Why it matters | How to manage |
|---|---|---|---|
| Age | Higher with age | Risk increases | Apply earlier if possible |
| Smoker status | Higher | Underwriting risk | Quit and reapply |
| Term length | Higher | Longer risk period | Match to real need |
No. It is an illustrative estimate. Final prices are confirmed after full underwriting.
Age, smoking status, health history, and the amount and term of cover are the main drivers.
Adjusting the term length, quitting smoking, or improving health can reduce costs, but changes depend on insurer rules.
Formal quotes confirm pricing and terms based on your full application details.