Can I buy life insurance online?
Yes, you can buy life insurance online quickly and securely. The entire process - from comparing quotes to purchasing cover - can be completed online in minutes.
Buying life insurance online has become the most popular way to get cover in the UK. It's fast, convenient, and allows you to compare multiple insurers instantly without speaking to anyone unless you choose to.
What you can buy online:
- Level term life insurance - fixed payout for mortgage protection and family security
- Decreasing term life insurance - reduces with your mortgage balance (cheapest option)
- Whole of life insurance - lifelong cover with guaranteed payout
- Over 50s life insurance - guaranteed acceptance, no medical exams
- Joint life insurance - covers two people under one policy
- Critical illness cover - optional add-on for serious illness protection
The online process typically takes 5-15 minutes from start to finish, and most applications are approved instantly. Some cases may require a quick phone call for medical questions, but even these are usually resolved within 24 hours.
Why buy life insurance online through LifePro?
LifePro compares over 50 UK life insurance providers to find you the best price and coverage for your needs.
Unlike going directly to a single insurer's website, using LifePro gives you access to the whole market, ensuring you get the most competitive quote.
Benefits of buying through LifePro:
- Compare 50+ providers in one place - find the lowest price instantly
- FCA regulated broker - professional, impartial advice
- No fees - our service is completely free to use
- Instant online quotes in 60 seconds
- Expert support available - speak to advisors if needed (Mon-Fri 9am-8pm, Sat 9am-5pm)
- Trusted by 90,000+ customers - rated 4.8/5 Excellent on Trustpilot
- Secure online application - bank-level encryption
- Price match guarantee - we'll beat any like-for-like quote
Example savings: A 35-year-old non-smoker needing £200,000 cover for 25 years could pay £12/month with one insurer but only £8/month with another. By comparing all providers through LifePro, you ensure you get the best deal.
How to buy life insurance online
- Get a quote: Enter basic details (age, smoker status, cover amount, term length) - takes 60 seconds
- Compare providers: View instant quotes from 50+ UK insurers side-by-side, sorted by price
- Choose your policy: Select the best policy for your needs and budget
- Complete application: Answer health and lifestyle questions online (5-10 minutes)
- Get instant decision: Most applications are approved immediately online
- Start your cover: Pay your first premium and receive policy documents by email
What information you'll need:
- Date of birth
- Smoker status (within last 12 months)
- Height and weight
- Medical history (current and past conditions)
- Lifestyle details (occupation, hobbies, travel)
- Cover amount and term length
Medical questions: Be honest about your health. Non-disclosure can invalidate claims. Most conditions don't prevent you from getting cover - they may just increase premiums slightly.
How to buy cheap life insurance online
Money-Saving Tips
- Compare multiple providers: Prices vary dramatically between insurers for identical cover. Always compare at least 5-10 quotes.
- Buy when you're young and healthy: Life insurance is cheaper the younger you are. A 30-year-old pays 50% less than a 40-year-old for the same cover.
- Stop smoking 12 months before applying: Non-smokers pay 50-60% less. If you quit now, reapply in 12 months for huge savings.
- Choose decreasing term for mortgages: If you only need mortgage protection, decreasing term is 30-50% cheaper than level term.
- Consider joint cover for couples: Joint life insurance saves 20-30% vs two separate policies. However, it only pays out once.
- Pay annually instead of monthly: Paying yearly saves 5-10% compared to monthly premiums (though requires larger upfront payment).
- Don't over-insure: Only buy what you need. Use our calculator to work out the right cover amount for your situation.
- Maintain a healthy BMI: Being significantly overweight can increase premiums. Lose weight before applying if possible.
Cost comparison: Using these tips, you could reduce your premium from £25/month to £12/month - saving £156 per year or £3,900 over a 25-year term.