Protecting your family’s future by easing financial burdens when it matters most.
Life insurance provides financial protection for your loved ones if you pass away during the term of the policy. It pays out a lump sum or regular income to help cover living costs, mortgages, or other financial commitments.
Life cover is a simple way to give peace of mind that your family will be supported if the worst should happen.
Life insurance provides vital financial protection for your loved ones if the worst should happen. If you pass away during the term of your policy, your family receives a lump sum that can help cover the mortgage, household bills, childcare, or simply provide security during a difficult time.
For many people, life insurance is an affordable way to ensure peace of mind, knowing that those who depend on you are protected.
Life insurance is designed to provide financial security for your loved ones if you pass away or are diagnosed with a terminal illness. You pay a monthly premium, and if the worst happens, your policy pays out a lump sum or regular income to your chosen beneficiaries.
In the UK, there are two main types of life insurance to consider: term life insurance and whole-of-life policies.
Term life insurance covers you for a fixed period — for example, 20 or 30 years.
Whole-of-life policies cover you for your entire lifetime, as long as you keep paying your premiums.
👉 At Health Cheque, we help you compare and choose the right life insurance policy in the UK — whether you want short-term protection or lifelong cover.
Life insurance isn’t just a policy – it’s a promise to protect the people who matter most. Whether it’s paying off debt, covering funeral costs, or securing your children’s future, life insurance gives your loved ones the financial security they need when you're no longer around.
Help fund school or university education, ensuring your children’s future isn’t interrupted.
Provide a tax-free lump sum to replace lost income and help your family maintain their lifestyle.
Your policy can cover mortgages, personal loans or credit card debts – so your family doesn’t have to.
Remove the financial stress of funeral arrangements with dedicated funds for a respectful send-off.
Writing your policy ‘in trust’ can help reduce the inheritance tax bill for your beneficiaries.
Include critical illness cover for protection against life-changing diagnoses like cancer or stroke.
Life insurance is designed to give your loved ones financial protection if you pass away. In the event of your death, your life insurance policy pays out a lump sum to your chosen beneficiaries—helping cover essential costs like mortgage repayments, everyday living expenses, outstanding debts, or your children’s education.
Many policies also include coverage for terminal illness, paying out early if you're diagnosed with a condition where your life expectancy is 12 months or less.
For added peace of mind, you can choose to include critical illness cover with your life insurance. This optional benefit pays out a lump sum if you’re diagnosed with a serious medical condition, even if you survive the illness. The payout helps cover loss of income, private medical treatment, home adjustments, or simply to relieve financial stress while you recover.
Each provider offers a different list of covered conditions—so it’s important to compare policies carefully.
Note: Some policies may exclude less severe forms of these illnesses. Always check your insurer's definition and criteria before purchasing.
Understand the exclusions before you buy
Life insurance provides crucial financial protection for your loved ones—but there are certain situations where the insurer may decline to pay out. These exclusions are clearly outlined in your policy and it’s important to understand them before taking out cover.
In 2020, over 98% of life insurance claims were paid—but it’s vital to answer application questions honestly and understand your policy's exclusions.
Need clarity on a specific condition or situation? Speak to our team for expert, impartial guidance.
Life insurance is one of the most important financial decisions you can make. At Health Cheque, we provide independent life insurance advice across the UK, helping individuals and families find the right policy for their needs and budget.
Whether you’re in London, Manchester, Birmingham, Leeds, or anywhere nationwide, our expert advisers compare leading UK insurers to give you peace of mind that your loved ones are protected.
Why people choose Health Cheque for life insurance
Choosing private medical insurance can feel overwhelming. At Health Cheque, we offer expert, personalised advice based on your needs—not a one-size-fits-all solution. As an independent firm, we compare leading insurers on your behalf and ensure you receive the most suitable cover, at the right price, with full transparency.
