Term Insurance Rates & Pricing

Compare term insurance rates from top UK providers and find the best coverage for your needs and budget. Our comparison tool helps you get instant quotes from FCA-authorized insurers.

Factors Affecting Your Rates

•Age: Younger applicants typically pay lower premiums
•Health: Medical conditions can affect your rates
•Coverage Amount: Higher coverage means higher premiums
•Term Length: Longer terms may cost more
•Lifestyle: Smoking and risky activities increase costs

Average Monthly Rates by Age

Age 25-35 (£250,000 cover)£15-30/month

Age 36-45 (£250,000 cover)£25-50/month

Age 46-55 (£250,000 cover)£45-90/month

Age 56-65 (£250,000 cover)£80-150/month

*Rates shown are estimates for healthy non-smokers. Actual rates may vary.

Compare Rates by Provider

Provider	Rating	Starting From	Key Features
Aviva	★★★★☆	£12/month	No medical exam options
Legal & General	★★★★★	£15/month	Comprehensive coverage
AIG	★★★★☆	£18/month	Flexible terms
Vitality	★★★★☆	£20/month	Wellness rewards

How to Get the Best Rates

Apply When Young & Healthy

Term insurance rates increase with age, so applying early can lock in lower premiums.

Compare Multiple Providers

Different insurers have different underwriting criteria, so rates can vary significantly.

Choose the Right Term

Select a term length that matches your needs - longer isn't always better.

Maintain Good Health

Quit smoking, exercise regularly, and maintain a healthy weight to qualify for better rates.

Important Information

This is a comparison website and not financial advice. All insurance providers shown are FCA-authorized. We may earn commission when you click through to providers. Rates shown are estimates and actual premiums may vary based on individual circumstances.