Life insurance: Best Buys
Level-term policies
| Level - term insurance £100,000 cover |
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| Category | Company | Premium | Find out more | ||
| 10 Year Term | |||||
| Male smoker aged 54 | AA Insurances Services Ltd | £52.05 | AA Insurances Services Ltd | ||
| Male non-smoker aged 54 | AA Insurances Services Ltd | £25.25 | AA Insurances Services Ltd | ||
| Female smoker aged 54 | AA Insurances Services Ltd | £44.93 | AA Insurances Services Ltd | ||
| Female non-smoker aged 54 | AA Insurances Services Ltd | £20.13 | AA Insurances Services Ltd | ||
| 20 Year Term | |||||
| Male smoker aged 44 | AA Insurances Services Ltd | £26.68 | AA Insurances Services Ltd | ||
| Male non-smoker aged 44 | AA Insurances Services Ltd | £14.20 | AA Insurances Services Ltd | ||
| Female smoker aged 44 | AA Insurances Services Ltd | £22.85 | AA Insurances Services Ltd | ||
| Female non-smoker aged 44 | AA Insurances Services Ltd | £11.41 | AA Insurances Services Ltd | ||
| 25 Year Term | |||||
| Male smoker aged 39 | AA Insurances Services Ltd | £19.99 | AA Insurances Services Ltd | ||
| Male non-smoker aged 39 | AA Insurances Services Ltd | £10.87 | AA Insurances Services Ltd | ||
| Female smoker aged 39 | AA Insurances Services Ltd | £16.68 | AA Insurances Services Ltd | ||
| Female non-smoker aged 39 | AA Insurances Services Ltd | £8.81 | AA Insurances Services Ltd | ||
| 30 Year Term | |||||
| Male smoker aged 34 | AA Insurances Services Ltd | £15.21 | AA Insurances Services Ltd | ||
| Male non-smoker aged 34 | AA Insurances Services Ltd | £8.90 | AA Insurances Services Ltd | ||
| Female smoker aged 34 | AA Insurances Services Ltd | £12.43 | AA Insurances Services Ltd | ||
| Female non-smoker aged 34 | AA Insurances Services Ltd | £7.10 | AA Insurances Services Ltd | ||
Table notes
The table shows the lowest monthly premiums available as of December 2009 for level term policies paying £100,000 cover. All premiums are guaranteed.
Wherever we display a “MORE INFO” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Buy tables are compiled by our independent researchers. The only way for companies to appear in these tables is to offer the very best products on the market that meet our stringent Best Buy criteria.
All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
Decreasing-term policies
| Decreasing - term insurance £100,000 cover |
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|---|---|---|---|---|---|
| Category | Company | Premium | Find out more | ||
| 10 Year Term | |||||
| Male smoker aged 54 | Barclays Life | £35.59 |
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| Male non-smoker aged 54 | Barclays Life | £16.46 |
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| Female smoker aged 54 | Barclays Life | £28.75 |
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| Female non-smoker aged 54 | Barclays Life | £13.69 |
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| 20 Year Term | |||||
| Male smoker aged 44 | Barclays Life | £18.90 |
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| Male non-smoker aged 44 | Barclays Life | £9.81 |
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| Female smoker aged 44 | Barclays Life | £15.10 |
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| Female non-smoker aged 44 | Barclays Life | £8.13 |
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| 25 Year Term | |||||
| Male smoker aged 39 | Barclays Life | £13.94 |
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| Male non-smoker aged 39 | Barclays Life | £7.96 |
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| Female smoker aged 39 | Barclays Life | £11.15 |
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| Female non-smoker aged 39 | Barclays Life | £6.69 |
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| 30 Year Term | |||||
| Male smoker aged 34 | Barclays Life | £10.83 |
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| Male non-smoker aged 34 | Barclays Life | £6.79 |
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| Female smoker aged 34 | Barclays Life | £8.54 |
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| Female non-smoker aged 34 | Barclays Life | £5.77 |
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Table notes
The table shows the lowest monthly premiums correct at April 2009 for decreasing term policies paying £100,000 cover. All premiums are guaranteed.
Wherever we display a “MORE INFO” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Buy tables are compiled by our independent researchers. The only way for companies to appear in these tables is to offer the very best products on the market that meet our stringent Best Buy criteria.
All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.