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Protection Instant online quote journey

Start your life cover quote

Answer a few quick questions to compare monthly life cover premiums in a format that matches the rest of your Linked Wellness Local experience.

Choose the level of cover, review your options, and then share your details if you would like the team to follow up on the quote you selected.

Before you start

Have these details ready

Your preferred cover amount and term.

Your date of birth and smoking status.

Partner details as well if you want dual life cover.

Progress

Four simple steps

Policy Details
Choose Your Plan
Your Information
Quote Confirmation
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Your Policy

Determining your cover amount

The amount you choose is the total sum that would be paid to your beneficiaries.

  • Base it on income replacement, dependants, and any debts you would want cleared.
  • Higher cover usually means higher monthly premiums.
  • It helps to think about mortgage costs, education, and day-to-day living needs.

Choosing the right term

The term decides how long the cover stays in place.

  • Many people align the term with a mortgage, dependent children, or working years.
  • Longer terms give protection for longer, but can increase the premium.
  • Shorter terms can be more affordable if you only need cover for a specific period.
Your Details

Why smoking status matters

Smoking status is an important factor in calculating a premium.

  • Answer yes if you have used cigarettes, cigars, pipes, vaping products, or other tobacco products in the last year.
  • Smokers usually pay more because insurers view the health risk as higher.
  • Accurate information matters, because it can affect the validity of your policy.

Single or dual life cover

The basis of cover decides who the policy covers and how it pays out.

  • Single Life covers one person.
  • Dual Life is for two people and can be suitable for partners or spouses.
  • Your choice affects both the cover setup and the monthly premium shown in the results.
Partner Details

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Compare insurers

Available providers

Royal London Irish Life Aviva Zurich Life Standard Life

Common questions

Frequently asked questions about life cover

The cost is influenced by age, health, smoking habits, the amount of cover you choose, and the term of the policy. Lifestyle choices and medical history can also affect the premium shown.

Checking providers

Searching for your life cover quote

We are matching the details you entered against the available providers. This usually only takes a moment.

Royal London Irish Life Aviva Zurich Life Standard Life