Life insurance basics (UK)
How life cover works, the main types, and how to choose cover and term length.
Read guide →Guides • Life Insurance
Life insurance guides (UK)
Plain-English guides to help you understand life insurance, choose the right type of cover, and compare options confidently.
- âś” Simple explanations
- âś” Side-by-side comparisons
- âś” UK-focused wording
Start here
If you only read one page first, make it this one.
Life vs critical illness
What each policy pays for and how to compare definition-driven cover.
Read guide →Core decisions
These pages cover the most important choices people make when buying life cover.
Level term vs decreasing term
Fixed payout vs reducing payout — and when each is commonly used.
Compare →Joint vs single policies
How payouts work, pros/cons, and what to check before choosing.
Compare →Mortgage protection
How life cover can align with a repayment mortgage (and common pitfalls).
Read guide →How much cover do you need?
A practical way to estimate cover amount and term without overcomplicating it.
Read guide →Explore more
Jump to hubs and definitions.
Affiliate disclosure
Some links on this site are affiliate links. If you choose a provider through a link, we may earn a commission at no extra cost to you. Always check the provider’s website for the latest terms and product details.