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Life Insurance with a High BMI How to Lower Your Premiums

Applying for UK life insurance with a high BMI can lead to higher premiums, but it's not a barrier. WeCovr's expert brokers can find you the right cover, and losing weight can often lead to a successful premium review.

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 17, 2026

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Life Insurance with a High BMI How to Lower Your Premiums

TL;DR

Applying for UK life insurance with a high BMI can lead to higher premiums, but it's not a barrier. WeCovr's expert brokers can find you the right cover, and losing weight can often lead to a successful premium review.

Key takeaways

  • A high BMI (Body Mass Index) is a key factor insurers use to assess risk, often resulting in higher life insurance premiums.
  • Insurers have different BMI thresholds; what one insurer penalises, another may accept at standard rates.
  • Losing weight and maintaining it for at least 12 months can make you eligible for a premium review, potentially saving you thousands.
  • Honesty is crucial; disclosing your accurate weight and health history prevents future claims from being denied.
  • Specialist advice is vital. A broker can navigate the market to find the most favourable terms for your specific circumstances.

Understanding height-to-weight ratios and how losing weight can trigger a review

Navigating the world of life insurance can feel complex, and when you have a high Body Mass Index (BMI), it can seem even more daunting. You might worry about being declined, facing prohibitively high costs, or not knowing where to start.

The good news is that having a high BMI does not automatically exclude you from getting the vital financial protection you and your family need. Insurers are experienced in assessing applications from people of all shapes and sizes. While a higher BMI often means higher premiums, there are clear, actionable steps you can take to secure affordable cover and even reduce your costs over time.

This definitive guide explains everything you need to know about life insurance and your BMI. We'll explore how insurers view weight, the impact it has on your premiums, and most importantly, the practical strategies you can use to find a strong fit for your needs and potentially lower your premiums in the future.

What is BMI and Why Do Life Insurers Care?

Body Mass Index (BMI) is a simple measure that uses your height and weight to gauge whether your weight is in a healthy range. It's a primary tool used by doctors, health organisations, and, crucially, insurance underwriters.

The calculation is straightforward: BMI = weight (kg) / [height (m)]²

While BMI doesn't distinguish between muscle and fat, it provides insurers with a quick, standardised indicator of potential health risks. Extensive data from sources like the NHS and global health studies show strong correlations between a high BMI and an increased risk of developing serious medical conditions, including:

  • Type 2 diabetes
  • Heart disease and stroke
  • Certain types of cancer (such as breast, bowel, and womb)
  • High blood pressure (hypertension)
  • High cholesterol
  • Liver and kidney disease
  • Sleep apnoea
  • Musculoskeletal problems like osteoarthritis

For an insurer, higher risk translates directly to a higher likelihood of a claim being made. Therefore, they use your BMI as a fundamental part of their underwriting process to calculate a fair premium for the risk they are taking on.

How UK Insurers Assess Your BMI

When you apply for life insurance, critical illness cover, or income protection, your BMI is one of the first things an underwriter will look at. They typically categorise applicants based on a standard BMI scale.

BMI RangeCategoryPotential Impact on Premiums
Below 18.5UnderweightMay require further investigation or a small premium increase.
18.5 - 24.9Healthy WeightLikely to be offered 'standard rates' (the best possible price).
25.0 - 29.9OverweightOften accepted at standard rates, especially at the lower end.
30.0 - 34.9Obesity Class IA premium 'loading' (increase) is common, e.g., +50% to +75%.
35.0 - 39.9Obesity Class IIA significant premium loading is likely, e.g., +100% to +150%.
40.0+Obesity Class IIIA very high loading, potential for postponement, or decline.

It's crucial to understand two things:

  1. These are general guidelines. Every insurer has its own specific BMI thresholds and underwriting philosophy. One insurer might apply a 50% loading for a BMI of 32, while another might only apply a 25% loading or even offer standard terms.
  2. BMI is not the only factor. Underwriters conduct a holistic review. They will also consider your age, smoking status, alcohol consumption, family medical history, and any existing health conditions linked to your weight, such as high blood pressure or cholesterol.

A high BMI combined with another risk factor, like being a smoker or having controlled high blood pressure, will almost certainly lead to a higher premium than either factor would alone.

Real-Life Scenario: The Cost of a High BMI

Let's compare two individuals, both non-smokers, seeking £250,000 of level term life insurance over a 25-year term.

  • David, 35 years old:

    • Height: 1.80m (5' 11")
    • Weight: 80kg (12st 8lbs)
    • BMI: 24.7 (Healthy)
    • Indicative Monthly Premium: £12

  • Mark, 35 years old:

    • Height: 1.80m (5' 11")
    • Weight: 110kg (17st 4lbs)
    • BMI: 34.0 (Obese Class I)
    • Indicative Monthly Premium: £21 (+75% loading)

Over the 25-year term, Mark would pay £2,700 more than David for the exact same amount of cover. This demonstrates the significant financial impact your BMI can have. If Mark also had a related condition like high blood pressure, his premium could be even higher.

This is why working with an expert adviser is so important. At WeCovr, we have in-depth knowledge of each insurer's specific BMI limits and can quickly identify which provider is likely to offer you the most favourable terms, saving you time and money.

The Big Goal: How to Lower Your Premiums by Losing Weight

The single most effective way to reduce your life insurance premiums is to improve your health profile, and for many, that starts with weight management. If you secure a policy with a high premium due to your BMI, you are not necessarily stuck with that price forever.

Most UK insurers are willing to review your premiums if you can demonstrate a significant and sustained weight loss.

This is a game-changer. It means you can get vital cover in place today, protecting your family immediately, while working towards a healthier future and lower costs.

The Premium Review Process: A Step-by-Step Guide

  1. Secure Your Policy: The first step is to get covered. Don't wait until you've lost weight to apply. Life is unpredictable, and having protection in place now is paramount. Accept the initial premium, even if it's higher than you'd like.
  2. Focus on Sustainable Weight Loss: Insurers are not interested in crash diets. They want to see that you have made lasting lifestyle changes. This is where tools and support can be invaluable. As part of our commitment to our clients' well-being, WeCovr provides complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to help you on your journey.
  3. Maintain Your New Weight: This is the critical part. An insurer will typically want to see that you have maintained your lower weight for a minimum of 12 consecutive months. This proves that the change is stable and not a temporary fluctuation.
  4. Request a Review: Once you have met the 12-month milestone, contact us or your insurer directly to request a "change of terms" or premium review.
  5. Provide Evidence: You will need to provide evidence of your new weight. This usually involves:
    • A declaration of your current height and weight.
    • Giving the insurer permission to write to your GP for confirmation from your medical records. The GP records will show a history of your weight over time, validating your sustained loss.
  6. Underwriting and Decision: The insurer will re-underwrite your application based on the new information. If your BMI has moved into a lower risk category and there are no new adverse health conditions, they will recalculate your premium. In many cases, this can result in the complete removal of the original loading.

Scenario Revisited: Mark's Success Story

Let's return to Mark, who secured his policy with a BMI of 34 and a monthly premium of £21.

  • Mark uses a combination of diet, exercise, and the CalorieHero app to manage his health.
  • Over 18 months, he successfully loses 25kg, bringing his weight down to 85kg.
  • His new BMI is 26.2, placing him in the 'Overweight' category, which his insurer often accepts at standard rates.
  • He has maintained this new weight for over a year.
  • He requests a premium review. The insurer confirms his new weight with his GP.
  • Result: The insurer removes the 75% loading, and his premium is reduced to the standard rate of £12 per month.

By taking control of his health, Mark not only reduces his risk of serious illness but also saves £9 per month, which amounts to £2,565 over the remaining 23.5 years of his policy.

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Applying for Protection with a High BMI: Best Practices

Knowing how to approach the application process can make all the difference between securing affordable cover and facing frustration.

1. Be Completely Honest

It can be tempting to knock a few kilograms off your weight on the application form. Do not do this. Insurers have access to your medical records via your GP. If you are dishonest on your application, it is considered 'non-disclosure'. This can lead to:

  • Your policy being cancelled.
  • A future claim by your family being rejected, leaving them with nothing.

The risk is simply not worth it. An accurate application allows an adviser to find the right insurer for your true circumstances.

2. Don't Go It Alone

Going directly to one insurer or using a non-specialist comparison site is one of the biggest mistakes you can make. You might unknowingly apply to the one insurer with the strictest BMI limits for your profile and get a high quote or a rejection, making you believe that's the best you can do.

As FCA-regulated brokers, our job is to work for you, not the insurer. We use our expertise to:

  • Assess your complete health profile.
  • Identify the insurers most likely to view your application favourably.
  • Present your case to underwriters in the best possible light.
  • Save you from multiple, potentially damaging applications on your record.

3. Consider All Types of Cover

While your BMI will affect all types of protection, the impact can vary.

  • Life Insurance: This is often the most straightforward to obtain, even with a very high BMI, although premiums will be higher.
  • Critical Illness Cover: This can be more challenging. A high BMI is a direct risk factor for many of the conditions covered (like heart attack and stroke), so underwriting is stricter. In some cases, an insurer might offer cover but with an exclusion for certain conditions.
  • Income Protection: Insurers will be concerned about the increased risk of musculoskeletal issues (back, knee, hip problems) and long-term sickness absence related to conditions like diabetes. This can lead to higher premiums or specific exclusions.

An adviser can help you weigh the options and find a blend of cover that provides the most robust protection within your budget.

High BMI and Business Owners: A Critical Risk

If you are a company director, business owner, or key decision-maker, your health has a direct financial impact on your business. A high BMI doesn't just affect your personal protection; it poses a significant risk to your company's stability.

Key Person Insurance

Key Person Insurance is a policy taken out by the business on the life or health of a crucial employee. The payout goes to the business to cover costs like lost profits, recruitment, or debt repayment if that person dies or becomes critically ill.

  • The Problem: If a key director has a very high BMI, the premiums for this vital cover can be substantial. In a worst-case scenario, they may even be uninsurable. This leaves the business dangerously exposed. If that key person were to pass away, the company could face a financial crisis.

Shareholder or Partnership Protection

This type of cover provides the funds for the remaining business owners to buy out the shares of a deceased or critically ill partner. It ensures a smooth transition and prevents the deceased's family from being forced into running the business or selling the shares to an unwelcome third party.

  • The Problem: If one shareholder has a high BMI and their cover is significantly more expensive, it can create an imbalance. The other shareholders may be reluctant to fund the higher premium. If cover isn't put in place at all, the death of that shareholder could trigger a succession crisis, threatening the entire business.

Executive Income Protection

This is a company-paid income protection policy for valuable employees and directors. It's a tax-efficient way for the business to provide a long-term salary replacement if the individual is unable to work due to illness or injury.

  • The Problem: A director with a high BMI will face much higher premiums for Executive Income Protection. The increased risk of long-term absence due to conditions like heart disease, diabetes, or joint problems means the insurer will charge more. This makes a valuable employee benefit more expensive for the company to provide.

For business owners, addressing a high BMI isn't just a personal health goal; it's a crucial part of corporate risk management. Securing affordable business protection is easier and cheaper with a healthier BMI.

A Clear Guide to Whole of Life Insurance

When planning for the long term, particularly for inheritance tax (IHT) or leaving a guaranteed legacy, Whole of Life insurance is often discussed. However, there is a lot of confusion about these policies, largely due to how they used to be structured. It's vital to understand the modern reality.

Modern Whole of Life: Pure Protection

At WeCovr, we focus on the straightforward and transparent Whole of Life plans that dominate the UK market today.

  • What they are: These are pure protection policies. They are designed to do one thing: pay out a guaranteed, tax-free lump sum whenever you die.
  • How they work: You pay a fixed premium every month for your entire life (or until a certain age, e.g., 90). In return, the insurer guarantees to pay the claim.
  • No Cash-In Value: This is the most important point. These policies have no investment element and no surrender or cash-in value. If you stop paying your premiums, your cover will end, and you will get nothing back.
  • Who they are for: They are ideal for two main purposes:
    1. Inheritance Tax (IHT) Planning: When written in trust, the payout can be used by your beneficiaries to pay the IHT bill on your estate, ensuring your home and other assets don't need to be sold.
    2. Guaranteed Legacy: Providing a fixed sum to your children or a charity, regardless of when you pass away.

These modern plans are transparent, relatively affordable, and highly effective for specific long-term planning needs.

Older "With-Profits" Whole of Life Policies

You may have heard of older types of Whole of Life policies that worked very differently.

  • What they were: These were complex hybrid products, mixing life insurance with an investment component.
  • How they worked: A portion of your premium paid for the life cover, while the rest was invested in the insurer's "with-profits" fund. The idea was that investment growth could help cover the rising cost of insurance as you aged, and potentially build a 'surrender value'.
  • The Problems: These plans were often expensive, opaque, and performance was not guaranteed. Surrender values in the early years were typically very low, often less than the total premiums paid. Their complexity and reliance on investment performance have made them fall out of favour for modern protection planning.

When discussing Whole of Life, it's essential to focus on the modern, pure protection version, which offers certainty and value for specific financial goals.

Final Expert Tips & Common Mistakes

  • Quit Smoking: If you are a smoker with a high BMI, you are facing a double-loading on your premiums. Quitting smoking is as powerful as losing weight. You can typically be re-rated as a non-smoker after 12 months nicotine-free, leading to massive savings.
  • Manage Other Conditions: If your weight is linked to high blood pressure or cholesterol, getting these conditions well-managed with medication can also help your application. Well-controlled conditions are viewed much more favourably than unmanaged ones.
  • Don't Delay: The single biggest mistake is waiting. You are never younger than you are today, and age is a primary driver of cost. Secure cover now to protect your loved ones, and work on improving your health profile for a future premium review.

Getting life insurance with a high BMI is entirely achievable. It requires honesty, a proactive approach to your health, and the guidance of a specialist adviser who can champion your application. By understanding the process and taking the right steps, you can secure the peace of mind that comes with knowing your family is financially protected, no matter what.

Ready to find out how we can help? Get a free, no-obligation quote today and let our expert team compare the market for you.

Can I get life insurance if I am clinically obese?

Yes, in most cases, you can still get life insurance if you are clinically obese (a BMI over 30). You should expect to pay a higher premium, known as a 'loading', to reflect the increased health risks. In cases of a very high BMI (e.g., over 40-45), an insurer might postpone your application for 6-12 months and suggest a plan for weight loss, or in rare cases, decline cover. A specialist broker can find the insurer with the most lenient BMI limits for your situation.

How much weight do I need to lose to lower my life insurance premiums?

There is no single answer, as it depends on moving your BMI into a lower risk category for your specific insurer. For example, if your BMI is 34 (Obese Class I) and you lose enough weight to bring it down to 29 (Overweight), you could see your premium loading significantly reduced or removed entirely. The key is that the weight loss must be sustained, typically for at least 12 months, before an insurer will agree to review your terms.

Do I have to tell my life insurance provider if I gain weight?

No. Once your life insurance policy is active, your premiums are fixed based on your health at the time of your application (unless you have a reviewable policy). You are not obligated to inform your insurer of subsequent weight gain or other negative changes to your health. Your cover will remain in place at the agreed premium as long as you continue to pay it. The only time your health is reassessed is if you apply for new cover or request a premium reduction after a positive health change, like losing weight.

What happens if I lie about my weight on a life insurance application?

Lying about your weight is considered material non-disclosure and can have severe consequences. During underwriting, the insurer may request your medical records from your GP, which will reveal your true weight history. If the lie is discovered, your application will likely be declined. Worse, if it is discovered after your death when your family makes a claim, the insurer has the right to void the policy and refuse to pay out, leaving your loved ones unprotected. It is crucial to be 100% honest on your application.

Sources

  • NHS
  • Office for National Statistics (ONS)
  • Financial Conduct Authority (FCA)
  • Association of British Insurers (ABI)
  • Gov.uk
  • Major UK Insurer Underwriting Guides

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

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Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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