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Life Insurance Products

Compare 31 products offered for Life Insurance from 19 companies including Antares Managing Agency Ltd, Focus, and APRIL UK.

Our Insurance Comparison Tool allows you to pick the right Life Insurance policy by comparing every plan offered by Canada's leading providers. Need more info? Our Frequently Asked Questions can explain this coverage area in greater detail.

Compare Life Insurance Policies

Products 11 to 20 of 31
Product name Max Coverage Min Premium Exclusions
Schemes and Packages by Millstream Underwriting Ltd Max Coverage GBP15M Min Premium N/A

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International Business by Millstream Underwriting Ltd Max Coverage GBP15M Min Premium N/A

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Emergency Services by Millstream Underwriting Ltd Max Coverage GBP15M Min Premium N/A

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Lifestyle by Shire Veterinary Insurance Max Coverage N/A Min Premium N/A

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Lifestyle Personal Accident by UK General Insurance Ltd Max Coverage GBP50K Min Premium N/A
  • long term sickness
  • monthly payments
  • PPI type covers

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Health and Accident by Kay International plc Max Coverage US$5M Min Premium N/A

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Accident and Health by Antares Managing Agency Ltd Max Coverage GBP20M Min Premium N/A

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Care Homes by The New India Assurance Company Ltd Max Coverage GBP5M Min Premium N/A
  • terrorism coverage in Northern Ireland
  • vacant or unoccupied risks

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Travel by Islands Insurance Max Coverage GBP5M Min Premium N/A
  • acts of terrorism
  • pollution and contamination
  • preexisting damage
  • professional sports
  • travel in Crimea, Cuba, North Korea, Sudan, Syria or countries where the Foreign Office has warned against all but essential travel

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Accident and Health by StarStone Underwriting Ltd Max Coverage N/A Min Premium N/A

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Frequently Asked Questions

(click to expand)


What Is Life Insurance?

Life insurance (also known as Life Cover, Death Cover or Life Assurance) provides financial protection in the form of a benefit in the event of someone’s death. By taking out a Life insurance policy, the client is able to provide financial security to dependants and loved ones in the event of their sudden death, a terminal illness or a critical illness.

Why Types Of Life Insurance Policy Are There?

There are two types of Life insurance policy:


  • Term life insurance policy: Policies taken out to cover a fixed period of time with a payment only made out if death occurs during the agreed ‘term’ of the policy.
  • Whole of life policy: A sum paid out regardless of time of death as long as premiums are paid.

Payouts can be given to beneficiaries either as a lump sum or through regular payments over a certain period. The latter ensures that the Life insurance policyholder with reassurance that their dependants will be looked after financially in the event of their death.

This can take the form of a regular allowance or mortgage payments if specified by the policyholder (instead of one lump sum).

Who Needs Life Insurance?

Life insurance is recommended for those who have any of the following:


  • dependents (eg children, ill/disabled family members, etc)
  • a partner
  • a family living in a home requiring mortgage payments

If the client is single, has a partner with sufficient income or has a job with payment-on-death benefits then a Life insurance policy is not necessary.

What Does Life Insurance Cover?

Life insurance covers the death of the policyholder. However some more extensive Life insurance policies also include the following:


  • critical illness cover (if included by the insurer)
  • terminal illness cover (if death occurs within an agreed time limit covered by the policy)

What Is Not Included In Life Insurance?

Life insurance varies from company to company. While more insurance policies try to be more inclusive, please check the following specifications:


  • age limits
  • pre-existing conditions
  • long-term illnesses
  • critical illnesses
  • disabilities

However there are certain exclusions which are typical to most Life insurance policies:

  • suicide or self-injury
  • any illnesses not specifically included in the scope of cover
  • death occurs outside covered period
  • death caused by drug or alcohol misuse
  • death caused by high-risk activities (eg sports that require extra or specific cover)

How Much Is Life Insurance?

Life insurance is determined by assessing the following criteria:


  • client’s age
  • client’s health
  • client’s lifestyle
  • smoking habits
  • policy length
  • amount to be covered

In short, the younger and healthier the client, the cheaper the premiums will be for a Life insurance policy. While some Life cover plans are very rigid there are also some that take into account chronic illnesses and deteriorating health. The latter will be more expensive but are now beginning to appear more frequently.