Life Insurance & Life Cover

Life insurance thatprotects your family

If the worst were to happen, life insurance ensures your family can pay off the mortgage and maintain their lifestyle. We compare policies from over 20 leading UK insurers to find you the right cover at the right price — often from as little as £10 per month.

From £10/monthCompare 20+ insurersPolicies in trust availableJoint cover for couples
Call 0844 884 9748 — Mon–Sat 9am–7pm
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What type of protection do you need?

Select all that apply — we will find the right solution for you.

Types of life insurance

The right type of policy depends on your mortgage, family situation, and budget.

Most flexible

Level Term Insurance

The payout stays the same throughout the policy term. Ideal for interest-only mortgages or to provide a fixed lump sum for your family.

Most popular

Decreasing Term Insurance

The payout reduces in line with your repayment mortgage balance. Lower premiums than level term — great value for mortgage protection.

For couples

Joint Life Insurance

Covers two people under one policy. Typically cheaper than two separate policies but pays out on the first death only — we'll explain the trade-offs.

Life insurance in London: what you need to know

Life insurance is one of the most important financial products you will ever buy, yet many London homeowners remain unprotected. With London property prices averaging well over £500,000, the financial impact on your family of losing your income would be severe without the right cover in place.

Term life insurance is the most common form of life cover for mortgage protection. You choose a term (typically matching the length of your mortgage) and a sum assured. If you die within that term, the policy pays out a tax-free lump sum that your family can use to clear the mortgage and meet other financial obligations.

Premiums are based on your age, health, lifestyle (particularly smoking), the amount of cover, and the length of the policy. The younger and healthier you are when you take out cover, the lower your premiums will be — so it pays to arrange life insurance as early as possible.

We compare policies from all the major UK life insurers — including Aviva, Legal & General, Royal London, Scottish Widows, Zurich, AIG, and more — to find the best combination of price, cover, and claim reliability for your needs.

Related protection products

Critical Illness CoverMortgage Protection Insurance

Life insurance FAQs

What is life insurance and do I need it?
Life insurance pays a tax-free lump sum to your family if you die during the policy term. If you have a mortgage, dependants, or anyone who relies on your income, life insurance is essential. It ensures your family can pay off the mortgage and maintain their standard of living without financial hardship.
What is the difference between level term and decreasing term life insurance?
Level term life insurance pays the same fixed amount whenever you die within the policy term — ideal for interest-only mortgages or leaving a lump sum for your family. Decreasing term insurance reduces the payout over time to mirror a repayment mortgage balance, making premiums lower. We will help you decide which suits your mortgage type and budget.
What is decreasing term life insurance?
Decreasing term life insurance has a payout that reduces over time, designed to mirror a repayment mortgage balance. As you pay off your mortgage, the amount you need to protect reduces, so premiums are lower than level term insurance. It is the most popular choice for protecting a repayment mortgage.
How much life insurance do I need?
At a minimum, you should have enough to pay off your mortgage. Many people also factor in other debts, funeral costs, and ongoing family living expenses. A common rule of thumb is 10x your annual salary, but we will help you calculate exactly the right level of cover for your specific circumstances.
Can I get life insurance if I smoke or have health issues?
Yes. Smokers and people with pre-existing health conditions can still get life insurance, though premiums may be higher. Some conditions may result in exclusions. We search the whole market — including specialist insurers — to find the best available terms for your health profile.
Can I put my life insurance in trust?
Yes, and we strongly recommend it. Placing your life insurance policy in trust means the payout goes directly to your beneficiaries without going through probate, speeding up the claim and potentially avoiding inheritance tax. We can advise you on this as part of our free consultation.

Get your free life insurance quote

We compare the whole market to find you the right level of cover at the right price. Serving all of Greater London.

Get a Free Initial QuoteCall 0844 884 9748

Mortgage International is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Ref: 478810).