Life Insurance

Safeguard Finances for You and Your Family with Lifetime Insurance

Which life insurance brands do we work with?

We compare dozens of the biggest insurance providers in the country, including:

What is Life Insurance?

A life insurance cover will provide a lump sum to your loved ones when you die – so that they are financially comfortable and not struggling because you can no longer provide an income. Life cover can provide you with peace of mind, knowing that your family will be cared for after you have passed away, as well as receiving financial help for things such as funeral costs, mortgage payments, school fees, groceries and more.

How Does a Life Insurance Policy Work? 

If you decide to take out a life insurance policy, you will need to pay a premium on a monthly basis until the end of your policy’s term, starting from just a few pounds per month.

Whole life insurance – This is a life insurance policy which lasts for your entire life and you will keep paying into it until you die. Over time you will accumulate a large lump sum that will be paid to your next of kin upon your departure.

Term – This is where you take out life cover for a certain term such as 1-2 years or something like 10 or 15 years. This is more common when purchasing life insurance for employees as a type of employee perk or benefit. If you leave the organisation, you can always transfer this to an individual policy.

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How to Find the Right Life Insurance Policy for You

There are a number of things you need to take into consideration prior to starting to compare quotes online. You should think about the following:

The length of life insurance cover you want: how long do you want the policy to last? For example, do you want it to last 20 or 30 years in total.

Do you want level, increasing or decreasing cover? Level cover means you payout remains the same throughout. You also have the option of increasing cover so the payout gets larger over time or decreasing cover which means that it reduces the payout over time, and this is usually cheaper in terms of premiums.

The amount of life insurance cover you want: this will be how much an insurer will pay out to your loved ones when you have passed away. The amount of cover you will be eligible for will depend on many factors such as your age, current health status, whether you smoke, your income, how much you pay in premiums and more. Either way, it is good to calculate how much your family might need for the foreseeable future and basing your cover requirements on this.

Why Apply for Life Insurance With Proper Finance?


We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.

Fast decisions

Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.

High quality

Proper Finance have more than 100 top-quality partners in insurance and loans.

Reputable and trustworthy

Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.

Free online application

The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.

How do I decide on the type of life insurance cover I need?

First of all, you should think about if you need the life insurance policy to either pay off your mortgage when you pass away, or to give financial support to your family. This will then clarify the length of cover you need.

How much cover can I get for life insurance?

Most insurers will let you choose the amount that goes beyond what you need, such as £15 million.

How much does a life insurance policy cost?

The exact amount it will cost you will be dependent on factors such as:

  • Your age
  • Your medical history
  • The level of cover you want
  • How long you want the policy for

Is it possible to have more than one life insurance policy?

Yes, but you will usually find it cheaper to just have one policy that provides the exact cover you want.

Is it possible to get a joint life insurance policy?

Yes, it is common to get a joint policy with a spouse or partner but you will both need to qualify and get accepted for the particular life insurance policy when making an application.

Does my health insurance cover me automatically?

No, your health insurance is for medical treatments and diagnostic treatment and you will need a separate life policy.

Does a life insurance policy always pay out?

It will only pay out if your cause of death is covered in the life insurance policy, and you die during the policy term.

If I have poor health, can I still get a life insurance policy?

Yes, there are life insurance companies who are willing to take a few on different medical conditions but note that it may be trickier to get cover and could be more expensive.

How do you make a claim on a life insurance policy?

It is typically those close to the person who has passed away who makes the claim and contacts the insurer directly.

Can an insurer reject a life insurance claim?

Yes, the insurer could reject the claim for the following reasons:

  • The policy had already ended
  • There were issues with non-disclosure: for example, not giving an honest account of their medical history or the family’s medical history.
  • The insurer did not get all the information and documents they need to go ahead with the claim.

You could look at getting a medical loan instead in this scenario.

Compare Life Insurance Quotes

You can use our life insurance comparison to find the best quotes for you and safeguard your finances for you and your family. Proper Finance works across the whole of the life insurance market in the UK – so you can compare rates and get the best level of cover for you.

How Does Our Site Work?

Getting easy and affordable life insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our specialist insurance partners. They will assist you every step of the way, helping you to get insured as effectively and quickly as possible. Alternatively, you can call a specialist directly and request a quote today.

About Our Team

Our team has spent years working in consumer finance, insurance and price comparison websites. We had a light bulb moment to come together and combine our expertise, so we could give customers the best choice and options possible.

Finding the right insurance and finance can be a bit of a minefield, but knowing that you are applying safely and securely online can give you peace of mind and ultimately give you the best products possible.

Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.