How to buy life insurance Buying cheap life insurance direct

Buying cheap life insurance direct

We think it's worth taking independent professional advice before buying life insurance, but we understand that many people know what they want and would rather buy direct.

Looking to buy life insurance?

If you decide you need advice, make sure you consult an independent life insurance broker.

Which? Financial Services can refer you to an impartial, no-obligation third-party advice service to provide you with the best life insurance or mortgage insurance policy tailored to your individual needs. 

Find out more about the life insurance referral service at Which? Financial Services.

Life insurance deals

If you don't want to trawl through price comparison sites and cashbacks sites to find the best deal, we've rounded up some of the best direct deals in the tables below. If you can spare the time, though, it's worth seeing if a cashback site or a price comparison site can beat these offers. See the previous page Cut the cost of life insurance for more details.
Level 25 year term insurance: £100,000 cover
 
CategoryCompanyPremium
Non-smoker
Aged 29Beagle Street£60.96
 Zurich Assurance£73.20
 Aviva£78
 Average premium£81.36
Aged 39Beagle Street£111.84
 Zurich Assurance£124.80
 LV£127.20
 Average premium£142.80
Smoker
Aged 29Beagle Street£88.92
 Zurich Assurance£115.20
 Aegon£115.68
 Average premium£125.40
Aged 39Beagle Street£219.96
 Zurich Assurance£241.20
 Aegon£241.32
 Average premium£274.20

Table notes

The table shows the lowest annual premiums available as of August 2015 for level term policies paying £100,000 cover. All premiums are guaranteed. Data source: Moneyfacts.

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