Best Life Insurance Policy UK. Top 10 Companies For 2021

When looking to find the best life insurance policies, we look for a couple of things. The first is to identify companies with the most comprehensive cover. The second is to find if they’re offering it at the lowest cost.

For our 2021 update, we’ve delved deep into independent reviews, analysed data from various sources and taken into consideration the customer experience rating data compiled by independent consumer help group, Fairer Finance.

Without life insurance protection would those close to you be able to do the following if you weren’t around to help financially?

• Pay off the mortgage
• Clear any outstanding debts in your name
• Fund their current lifestyle
• Buy a new home
• Plan for a funeral
• Deal with inheritance tax

Some Great Reasons To Make A No-Obligation Enquiry Today:

• Reliability – Honesty – Caring – Trustworthy – Uk Based Staff
• Life Insurance Coverage From Only £8 per month
• Premiums for Mums and Dads often better than other insurers
• Specialist Life Cover gives your family protection without straining your bank account
• Excellent customer reviews for customer service
• Non-discrimantory rates provided for smokers and vapers
• Life insurance payouts in most cases are Tax-Free

• For that reason, we’ve split our findings into three different sections with the top ten life insurance providers listed for each category:

  1. Term Life Insurance/Term assurance
  2. Whole of Life Cover
  3. Over 50s Life Insurance Plans

  Top 10 Life Insurance Companies

  Below we list the best provider and the best product they have on offer for 2021. There may be terms used that you aren’t familiar with, so we have included a brief guide to buying life insurance and life insurance claims (life insurance payout), so you know what it all means.

  Ten Of The Best Life Insurance Providers For Term Life Insurance

  After detailed research we have determined that the UK life insurance companies below were often suggested to be the best for Term Life Insurance:

  

1. Scottish Widows – Protect Personal
2. LV= – Flexible Protection Plans
3. Nationwide Building Society – Multi-Protection
4. Legal & General – Level or Decreasing Term Assurance
5. Sainsbury’s Bank – Level Term Insurance
6. Barclays Bank – Mortgage Protection Plan
7. Zurich Insurance – Life Protection
8. AA (From L and G) – Mortgage Protection
9. Aviva – Life Insurance
10. VitalityLife – Comprehensive Cover 

• Ten Of The Best Life Insurance Companies for Whole of Life Insurance

  Through research by our team has concluded that the following UK life insurance companies below were regularly suggested to be the best for whole of life insurance:

  

1. Zurich – Adaptable Life Plan
2. Vitality – VitalityLife
3. NFU– AIG Whole of Life Insurance
4. Royal London – Pegasus Whole of Life Plan
5. Legal & General – Whole of Life Protection Plan
6. Scottish Widows – Protect Whole of Life Cover
7. Aegon – Whole of Life Plans
8. AIG Life – Whole of Life Insurance or Care Coverage
9. LV= – LifeTime+
10. Old Mutual – Protect Guaranteed Whole Of Life Plans 

• Ten Of The Best Life Insurance Policy Providers For Over 50s Cover

  The Insurance Hero team has concluded that the UK life insurance organisations in the list below were suggested to be the best for whole of life insurance:

  

1. Smart Insurance – Smart Guaranteed Life Insurance Coverage (For Over 30s)
2. Legal & General – Over 50s Life Insurance Plan
3. Sainsbury’s Bank – Over 50s Life Insurance Plans
4. AA – Over 50s Life Insurance Plan
5. Post Office Money – Over 50s Life Cover
6. Sunlife – Guaranteed Over 50 Plan
7. Royal London – Over 50s Life Coverage
8. Aviva – Guaranteed Lifelong Protection Plan
9. Santander Bank – Over 50’S Life Assurance
10. Liverpool Victoria LV= – 50 Plus Plan 

• The above comparisons which we researched here do offer the best price for comprehensive levels of cover, with many being flexible. However, there can be factors such as lifestyle factors, pre-existing health problems, terminal illness, alcohol abuse, being a smoker, and other qualifying criteria like drug overdose by each insurer that can affect premiums. 

  That’s why you should know and understand that when taking out life insurance…There is No Type of “Universally Best” Life Cover Plan in Existence…

  Some of the many factors that insurance providers consider by each applicant include:

  • Your age
  • Your current and historical financial standing
  • Any health issues, including those of your closest family
  • Your profession

  In layman terms – what’s excellent for you likely won’t be great for your significant other. Every life insurance cover policy is as unique as the person whose life insures under the terms, provisions and clauses set out in every type of life insurance/assurance policy.

  For finding the best life cover to fit your needs, the tables above can be an excellent place to start doing your research by getting insurance quotes from each of the top-performing providers.