Life Insurance

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It's important to answer questions truthfully, accurately and completely. If you don't, your policy could end up being amended, cancelled, or a claim not being paid.

Your policy details

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What do you need the insurance to protect?

More on each cover type Insurance Type is required

Mortgage insurance pays a sum of money that can be used to repay a mortgage or loan if you die during the term of the policy.

Living costs insurance pays a guaranteed and fixed sum of money if you die during the term of the policy which can be used to provide for living expenses or any other purposes.

Mortgage and living costs insurance pays a guaranteed and fixed sum of money if you die during the term of the policy. It can be used to repay a mortgage or loan and any other purposes, including future living expenses.

Mortgage

Living costs

Mortgage and Living costs

What type of mortgage do you have?

Mortgage types explained

A capital repayment or 'decreasing' mortgage is where you pay off part of the mortage each month. The life insurance suited to this type of mortage would also reduce over the policy length. So as more of the mortgage is paid off, the less the policy would pay out if you were to die during the mortgage term. If this isn't the type of policy you need you can change on the results page.

An interest-only or 'level' mortgage is when you only pay off the interest per month, so you'll still owe the full mortgage amount at the end of the term. The life cover suited for this is called level cover. Both the cover and premiums are fixed or 'level' from the date you start paying the until the end of the policy term. So if you die during the term, the full policy amount will be paid out.

Mortgage Type is required

Interest only (level)

Repayment (decreasing)

Select a payout option for your living costs

You can always change your payout option on the quote result page.

Living costs payout options explained

Annual income is a family income benefit that covers your loved ones for the policy term. Once the term ends, the cover or any income payments stop.

For example, if you have a 20 year policy and die 5 years into it, the policy will pay out a regular income for the remaining 15 years. If you die nearer the end of the policy term, the total payout will be less than if you died earlier in the term.

Lump sum is a level term life insurance where the amount paid out if you die is fixed. If you died within the term of the policy, you'd get the full amount quoted.

For example, a 20 year lump sum policy with a pay out of £150,000 would pay out this amount if you died during policy, no matter how far or short in to it. It provides certainty as both the cover and premiums are fixed from the date you start paying until the end of the policy term.

Payout option is required

Annual Income

Lump Sum

How much cover do you need?

How to work out how much cover you need

Things to think about when working out how much money to leave to your family or dependants are:

other financial commitments such as loans, overdrafts and credit cards
education costs
home living costs like bills, food, maintenance, home improvements
any sum you may want to leave your loved ones in the future

Minimum value £5000 Amount of Cover is required The field Amount of cover must be a number. Maximum value £9,999,999 Maximum value £100,000

How many years do you need your policy to last?

Consider things like when your mortgage comes to an end, and when your family and dependants would become self sufficient.

Help with working out policy length

Things to think about to help work out your policy length:

If you only want cover for your mortgage, select how many years are left on your mortgage as your policy length
If you want to leave a lump sum as well as pay off your mortgage, think about who this money is going to and how much they'd need. As this is a financial safety net, consider how long your family or dependants would need to rely on this money before becoming self sufficient
You can also choose to have life insurance for a fixed period or the rest of your life

Please specify how many years (Must be between 5-40) This field must be a number.

Who is the cover for?

Policy types explained

A single life policy insures just you.

A joint life policy insures you and someone else. You and the other insured life must have a shared financial interest. For example, joint financial commitments such as mortgages, children or two friends with a joint mortgage. With a joint policy, if one of you die the cover is paid out but then the policy ends.

If there are two lives to insure, both of you could have a single policy. Two single policies may be more expensive than a joint policy, but it means that if one policy is claimed against, the other policy will remain active.

Just you

You and someone else

About You (First Applicant)

Please select a title.

Title

We recongise not all titles are included here and so may not represent you as it should.

Why isn't my title listed?

For now these titles are what our system and insurance providers use. We're working to add in more inclusive titles.

Mrs

Miss

First name Please enter a forename.

Surname Please enter a surname.

Date of birth Please select a valid date of birth.

Day

Month

Year

Postcode

Please enter a valid UK postcode.

Email address

We'll send you a confirmation email with your insurance quotes.

Please enter a valid email address.

Telephone number

Providing your phone number is optional but will allow us to contact you to assist with your life insurance quotation. Providing your phone number is consent for us to contact you to offer assistance.

Please enter a valid phone number

What's your height?

Select how you measure your height

Please select

Centimetres

Feet/inches

We need your height without shoes on

Please enter your height. Allowable range 3ft - 6ft 11 inches. If outside of this range, please call 0800 422 0060. Allowable range 92cm - 211cm. If outside of this range, please call 0800 422 0060.

Feet

Inches

Centimetres

What's your weight?

Select how you measure your weight

Please select

Kilograms

Stone/pounds

We need your weight to include wearing clothes

Please enter your weight. Allowable range 5st - 24st 13lbs. If outside of this range, please call 0800 422 0060. Allowable range 32kg - 158kg. If outside of this range, please call 0800 422 0060.

Stone

Pounds

Kilograms

Lifestyle

Do you smoke?

If you've smoked in the last 12 months you're classed as a 'current smoker'. This includes cigars, pipes, e-cigarettes, nicotine replacements and regular cigarettes.

How do you class smokers?

Please select the option from the list that reflects your smoking history. A smoker is someone who smokes cigarettes or cigars / uses a pipe or other tobacco product / uses nicotine replacement products including e-cigarettes.

Do you smoke?

Yes - current smoker

Yes - ex-smoker

No - never smoked

When did you quit?

If you've quit within last 12 months or used a nicotine replacement within this timeframe you're classed as a smoker.

More details

If you have smoked or used any tobacco products (including cigars, a pipe, cigarettes or nicotine replacement products) in the last 12 months then you are classified as a smoker.

Less than 12 months ago

More than 12 months ago

On average, how many cigarettes or equivalent did you or do you smoke per day?

per day This field cannot be blank

How many years ago did you quit smoking?

years This field cannot be blank

You must answer this question.

During a typical week, how many alcoholic drinks do you have?

More details

For example, a drink is a glass of wine or a glass or bottle of beer.

This field cannot be blank. This field must be a number. Units of Alcohol must be between 0 and 99.

What is your trouser size in UK inches?

More details

Please use the size from the most recent clothing purchase you made for yourself.

You must answer this question.

The field must be a minimum of 2 digits

What is your dress, skirt or trouser size?

More details

Please use the size from the most recent clothing purchase you made for yourself. If you're pregnant, please advise your size prior to this pregnancy.

You must answer this question.

During the last 2 years, have you seen a health professional about:

a blood condition for example anaemia, blood clot?
a lung or breathing condition for example asthma, bronchitis, chronic obstructive lung disease, emphysema. Please ignore hay fever and isolated chest infections from which you have fully recovered?
a condition affecting your stomach, bowel or oesophagus for example Crohn's disease, ulcerative colitis. Please ignore diarrhoea, food poisoning, sickness or vomiting, stomach bug or upset provided you have fully recovered?
any type of arthritis or gout?
a growth, lump, polyp or tumour?
anxiety, depression or any other type of mental illness?
any other condition for which you are required to attend review or follow-up, including medication review, or a condition for which you have been admitted overnight to hospital. Please ignore accidents and injuries from which you have fully recovered?

You must answer this question.

Yes

During the last 2 years, have you seen a health professional about:

a blood condition for example anaemia, blood clot?
a lung or breathing condition for example asthma, bronchitis, chronic obstructive lung disease, emphysema. Please ignore hay fever and isolated chest infections from which you have fully recovered?
a condition affecting your stomach, bowel or oesophagus for example Crohn's disease, ulcerative colitis. Please ignore diarrhoea, food poisoning, sickness or vomiting, stomach bug or upset provided you have fully recovered?
any type of arthritis or gout?
a growth, lump, polyp or tumour?
anxiety, depression or any other type of mental illness?
any other condition for which you are required to attend review or follow-up, including medication review, or a condition for which you have been admitted overnight to hospital. Please ignore accidents and injuries from which you have fully recovered or pregnancy, contraceptive and infertility medication?

You must answer this question.

Yes

Have any of your natural parents, brothers or sisters, before the age of 60, had any of the following?

Alzheimer's disease or dementia
Cancer of the bowel (colon), breast or ovary
Cardiomyopathy
Heart attack, diabetes or stroke
Huntington's disease
Motor neurone disease
Multiple sclerosis
Myotonic Dystrophy
Parkinson's disease
Polycystic kidney disease
Any other condition that runs in your family and that you're receiving regular follow up or screening for
Don't know

You must answer this question.

Yes

In the last 30 days have you:

had a new or unexplained continuous cough, fever or high temperature, loss of smell or taste?
tested positive for or been diagnosed with coronavirus/COVID-19?

You must answer this question.

Yes

In the last 14 days, have you:

had any symptoms of coronavirus/COVID-19?
had direct contact with someone who has been diagnosed with, or suspected of having Coronavirus?

You must answer this question.

Yes

In the last 14 days, have you been self-isolating or been advised you should self-isolate for any of the reasons below:

More details

Please answer no if you are following general social-distancing advice to avoid spread of the virus or working from home due to workplace advice only

Because you or someone you live with is currently pregnant?
Because someone you live with is elderly or in poor health?
Because you decided to self-isolate of your own accord?
Been following general social-distancing advice or working from home due to workplace advice?

You must answer this question.

Yes

In the last 14 days, have you been self- isolating or been advised you should self-isolate for any of the reasons below:

More details

Please answer no if you are following general social-distancing advice to avoid spread of the virus or working from home due to workplace advice only

As a precaution because of your age or an existing medical condition?
Because you have had direct contact with, someone diagnosed with or suspected of having coronavirus/COVID-19 and decided to self-isolate?
Because you experienced symptoms of coronavirus/COVID-19 and decided to self-isolate?
For another reason not mentioned above?

You must answer this question.

Yes

Have you ever:

had diabetes, excess sugar in the blood or a heart condition for example angina, heart attack, heart valve problem, heart surgery?
had a stroke, transient ischaemic attack (TIA) or a brain haemorrhage?
had cancer, Hodgkin's disease, Non-Hodgkin's lymphoma, leukaemia, a melanoma or a brain tumour?
had a neurological condition for example cerebral palsy, epilepsy, motor neurone disease, multiple sclerosis, muscular dystrophy, optic neuritis, paralysis, Parkinson's disease
been admitted overnight to hospital or referred to a psychiatrist for mental illness, anorexia or bulimia?
tested positive for HIV, or are you waiting for the result of an HIV test?

You must answer this question.

Yes

During the last 5 years, have you seen a health professional about:

More details

Please ignore birthmarks where no treatment or specialist referral has been advised.

raised blood pressure?
raised cholesterol?
a condition affecting your kidney, bladder, liver or pancreas for example kidney stones, hepatitis, fatty liver?
chest pain, palpitations or irregular heartbeat, numbness, persistent tingling or pins and needles, memory loss, dizziness, balance problems, lupus, tremor or facial pain other than dental pain?
a mole or freckle?
any condition affecting your ears or hearing (for example Meniere's disease or deafness), or eyes or vision not wholly corrected by spectacles, lenses or laser treatment, (for example cataract, blindness)?

You must answer this question.

Yes

During the last 5 years, have you seen a health professional about:

More details

Please ignore routine cervical smears if the results have been normal. Please ignore birthmarks where no treatment or specialist referral has been advised.

raised blood pressure?
raised cholesterol?
a condition affecting your kidney, bladder, liver or pancreas for example kidney stones, hepatitis, fatty liver?
chest pain, palpitations or irregular heartbeat, numbness, persistent tingling or pins and needles, memory loss, dizziness, balance problems, lupus, tremor or facial pain other than dental pain?
a mole or freckle?
any condition affecting your ears or hearing (for example Meniere's disease or deafness), or eyes or vision not wholly corrected by spectacles, lenses or laser treatment, (for example cataract, blindness)?
any gynaecological condition for which you've not yet been discharged from follow up, or a cervical smear requiring further investigations?

You must answer this question.

Yes

During the last 3 months, have you had:

unexplained bleeding, weight loss, lump or growth?
breast or testicular changes of any sort?
a mole or freckle that has bled or changed in appearance or any other changes to your skin?
any other symptom for which you may see a health professional about for the first time?

You must answer this question.

Yes

Do you regularly take part in any of the following activities for work or recreation?

More details

You can ignore one off parachute jumps

Flying (other than as a fare-paying passenger)
Hang gliding or paragliding
Motor car or motorcycle sport
Mountaineering or rock climbing
Parachuting, sky diving or BASE jumping
Underwater diving
Any other extreme sport

You must answer this question.

Yes

During the last 2 years have you spent more than 90 consecutive days in Africa, the Caribbean, Russia, Thailand or Ukraine?

You must answer this question.

Yes

During the next 2 years do you intend to spend more than 30 consecutive days outside the UK, EU, USA, Canada, Australia or New Zealand ?

More details

You can ignore travel as a member of the Armed Forces

You must answer this question.

Yes

Do you work outside at heights over 15 metres (50ft), offshore in the oil, gas or fishing industry, in the Armed Forces or as a member of the army reserve

You must answer this question.

Yes

During the last 5 years have you been disqualified from driving for a motoring offence or convicted of careless or reckless driving?

You must answer this question.

Yes

During the last 5 years have you used any of the following?

More details

We'll only use the answer to this question to assess your application and at claim stage. Therefore there are no 'legal implications' in answering yes to this question.

Recreational drugs, for example cocaine, ecstasy, heroin
Methadone
Anabolic steroids not prescribed by a doctor

You must answer this question.

Yes

Have you ever been:

told by a health professional that you should reduce the amount of alcohol you have because you were drinking too much?
seen by an alcohol specialist or attended an alcohol support group or been told that you have any liver damage?

You must answer this question.

Yes

Including this application, what is the total amount of life and critical illness cover you will have?

More details

Please include any applications being made to another insurer but ignore cover that will be cancelled if this policy goes ahead.

You must answer this question.

Total amount is required The field Amount of cover must be a number. Total amount must not be less than the sum assured.

Please confirm that you consent to Direct Life and Pension Services Ltd (DLPS) processing your personal data.

I consent to Direct Life and Pension Services Ltd (DLPS) processing my personal data to provide a life insurance service and sharing data with confused.com and quoting Insurers. I have read and accept the DLPS privacy policy and understand that I can withdraw consent at any time.

About other applicant

Please select a title.

Title

We recongise not all titles are included here and so may not represent you as it should.

Why isn't my title listed?

For now these titles are what our system and insurance providers use. We're working to add in more inclusive titles.

Mrs

Miss

First name Please enter a forename.

Surname Please enter a surname.

Date of birth Please select a valid date of birth.

Day

Month

Year

Postcode

Please enter a valid UK postcode.

What's your height?

Select how you measure your height

Please select

Centimetres

Feet/inches

We need your height without shoes on

Please enter your height. Allowable range 3ft - 6ft 11 inches. If outside of this range, please call 0800 422 0060. Allowable range 92cm - 211cm. If outside of this range, please call 0800 422 0060.

Feet

Inches

Centimetres

What's your weight?

Select how you measure your weight

Please select

Kilograms

Stone/pounds

We need your weight to include wearing clothes

Please enter your weight. Allowable range 5st - 24st 13lbs. If outside of this range, please call 0800 422 0060. Allowable range 32kg - 158kg. If outside of this range, please call 0800 422 0060.

Stone

Pounds

Kilograms

Lifestyle

Do you smoke?

If you've smoked in the last 12 months you're classed as a 'current smoker'. This includes cigars, pipes, e-cigarettes, nicotine replacements and regular cigarettes.

How do you class smokers?

Do you smoke?

Yes - current smoker

Yes - ex-smoker

No - never smoked

When did you quit?

If you've quit within last 12 months or used a nicotine replacement within this timeframe you're classed as a smoker.

More details

If you have smoked or used any tobacco products (including cigars, a pipe, cigarettes or nicotine replacement products) in the last 12 months then you are classified as a smoker.

Less than 12 months ago

More than 12 months ago

On average, how many cigarettes or equivalent did you or do you smoke per day?

per day This field cannot be blank

How many years ago did you quit smoking?

years This field cannot be blank

You must answer this question.

During a typical week, how many alcoholic drinks do you have?

More details

For example, a drink is a glass of wine or a glass or bottle of beer.

This field cannot be blank. This field must be a number. Units of Alcohol must be between 0 and 99.

What is your trouser size in UK inches?

More details

Please use the size from the most recent clothing purchase you made for yourself.

You must answer this question.

The field must be a minimum of 2 digits

What is your dress, skirt or trouser size?

More details

Please use the size from the most recent clothing purchase you made for yourself. If you're pregnant, please advise your size prior to this pregnancy.

You must answer this question.

During the last 2 years, have you seen a health professional about:

a blood condition for example anaemia, blood clot?
a lung or breathing condition for example asthma, bronchitis, chronic obstructive lung disease, emphysema. Please ignore hay fever and isolated chest infections from which you have fully recovered?
a condition affecting your stomach, bowel or oesophagus for example Crohn's disease, ulcerative colitis. Please ignore diarrhoea, food poisoning, sickness or vomiting, stomach bug or upset provided you have fully recovered?
any type of arthritis or gout?
a growth, lump, polyp or tumour?
anxiety, depression or any other type of mental illness?
any other condition for which you are required to attend review or follow-up, including medication review, or a condition for which you have been admitted overnight to hospital. Please ignore accidents and injuries from which you have fully recovered?

You must answer this question.

Yes

During the last 2 years, have you seen a health professional about:

a blood condition for example anaemia, blood clot?
a lung or breathing condition for example asthma, bronchitis, chronic obstructive lung disease, emphysema. Please ignore hay fever and isolated chest infections from which you have fully recovered?
a condition affecting your stomach, bowel or oesophagus for example Crohn's disease, ulcerative colitis. Please ignore diarrhoea, food poisoning, sickness or vomiting, stomach bug or upset provided you have fully recovered?
any type of arthritis or gout?
a growth, lump, polyp or tumour?
anxiety, depression or any other type of mental illness?
any other condition for which you are required to attend review or follow-up, including medication review, or a condition for which you have been admitted overnight to hospital. Please ignore accidents and injuries from which you have fully recovered or pregnancy, contraceptive and infertility medication?

You must answer this question.

Yes

Have any of your natural parents, brothers or sisters, before the age of 60, had any of the following?

Alzheimer's disease or dementia
Cancer of the bowel (colon), breast or ovary
Cardiomyopathy
Heart attack, diabetes or stroke
Huntington's disease
Motor neurone disease
Multiple sclerosis
Myotonic Dystrophy
Parkinson's disease
Polycystic kidney disease
Any other condition that runs in your family and that you're receiving regular follow up or screening for
Don't know

You must answer this question.

Yes

In the last 30 days have you:

had a new or unexplained continuous cough, fever or high temperature, loss of smell or taste?
tested positive for or been diagnosed with coronavirus/COVID-19?

You must answer this question.

Yes

In the last 14 days, have you:

had any symptoms of coronavirus/COVID-19?
had direct contact with someone who has been diagnosed with, or suspected of having Coronavirus?

You must answer this question.

Yes

In the last 14 days, have you been self-isolating or been advised you should self-isolate for any of the reasons below:

More details

Please answer no if you are following general social-distancing advice to avoid spread of the virus or working from home due to workplace advice only

Because you or someone you live with is currently pregnant?
Because someone you live with is elderly or in poor health?
Because you decided to self-isolate of your own accord?
Been following general social-distancing advice or working from home due to workplace advice?

You must answer this question.

Yes

In the last 14 days, have you been self- isolating or been advised you should self-isolate for any of the reasons below:

More details

Please answer no if you are following general social-distancing advice to avoid spread of the virus or working from home due to workplace advice only

As a precaution because of your age or an existing medical condition?
Because you have had direct contact with, someone diagnosed with or suspected of having coronavirus/COVID-19 and decided to self-isolate?
Because you experienced symptoms of coronavirus/COVID-19 and decided to self-isolate?
For another reason not mentioned above?

You must answer this question.

Yes

Have you ever:

had diabetes, excess sugar in the blood or a heart condition for example angina, heart attack, heart valve problem, heart surgery?
had a stroke, transient ischaemic attack (TIA) or a brain haemorrhage?
had cancer, Hodgkin's disease, Non-Hodgkin's lymphoma, leukaemia, a melanoma or a brain tumour?
had a neurological condition for example cerebral palsy, epilepsy, motor neurone disease, multiple sclerosis, muscular dystrophy, optic neuritis, paralysis, Parkinson's disease
been admitted overnight to hospital or referred to a psychiatrist for mental illness, anorexia or bulimia?
tested positive for HIV, or are you waiting for the result of an HIV test?

You must answer this question.

Yes

During the last 5 years, have you seen a health professional about:

More details

Please ignore birthmarks where no treatment or specialist referral has been advised.

raised blood pressure?
raised cholesterol?
a condition affecting your kidney, bladder, liver or pancreas for example kidney stones, hepatitis, fatty liver?
chest pain, palpitations or irregular heartbeat, numbness, persistent tingling or pins and needles, memory loss, dizziness, balance problems, lupus, tremor or facial pain other than dental pain?
a mole or freckle?
any condition affecting your ears or hearing (for example Meniere's disease or deafness), or eyes or vision not wholly corrected by spectacles, lenses or laser treatment, (for example cataract, blindness)?

You must answer this question.

Yes

During the last 5 years, have you seen a health professional about:

More details

Please ignore routine cervical smears if the results have been normal. Please ignore birthmarks where no treatment or specialist referral has been advised.

raised blood pressure?
raised cholesterol?
a condition affecting your kidney, bladder, liver or pancreas for example kidney stones, hepatitis, fatty liver?
chest pain, palpitations or irregular heartbeat, numbness, persistent tingling or pins and needles, memory loss, dizziness, balance problems, lupus, tremor or facial pain other than dental pain?
a mole or freckle?
any condition affecting your ears or hearing (for example Meniere's disease or deafness), or eyes or vision not wholly corrected by spectacles, lenses or laser treatment, (for example cataract, blindness)?
any gynaecological condition for which you've not yet been discharged from follow up, or a cervical smear requiring further investigations?

You must answer this question.

Yes

During the last 3 months, have you had:

unexplained bleeding, weight loss, lump or growth?
breast or testicular changes of any sort?
a mole or freckle that has bled or changed in appearance or any other changes to your skin?
any other symptom for which you may see a health professional about for the first time?

You must answer this question.

Yes

Do you regularly take part in any of the following activities for work or recreation?

More details

You can ignore one off parachute jumps

Flying (other than as a fare-paying passenger)
Hang gliding or paragliding
Motor car or motorcycle sport
Mountaineering or rock climbing
Parachuting, sky diving or BASE jumping
Underwater diving
Any other extreme sport

You must answer this question.

Yes

During the last 2 years have you spent more than 90 consecutive days in Africa, the Caribbean, Russia, Thailand or Ukraine?

You must answer this question.

Yes

During the next 2 years do you intend to spend more than 30 consecutive days outside the UK, EU, USA, Canada, Australia or New Zealand ?

More details

You can ignore travel as a member of the Armed Forces

You must answer this question.

Yes

Do you work outside at heights over 15 metres (50ft), offshore in the oil, gas or fishing industry, in the Armed Forces or as a member of the army reserve

You must answer this question.

Yes

During the last 5 years have you been disqualified from driving for a motoring offence or convicted of careless or reckless driving?

You must answer this question.

Yes

During the last 5 years have you used any of the following?

More details

We'll only use the answer to this question to assess your application and at claim stage. Therefore there are no 'legal implications' in answering yes to this question.

Recreational drugs, for example cocaine, ecstasy, heroin
Methadone
Anabolic steroids not prescribed by a doctor

You must answer this question.

Yes

Have you ever been:

told by a health professional that you should reduce the amount of alcohol you have because you were drinking too much?
seen by an alcohol specialist or attended an alcohol support group or been told that you have any liver damage?

You must answer this question.

Yes

Including this application, what is the total amount of life and critical illness cover you will have?

More details

Please include any applications being made to another insurer but ignore cover that will be cancelled if this policy goes ahead.

You must answer this question.

Total amount is required The field Amount of cover must be a number. Total amount must not be less than the sum assured.

That's great - we've got everything we need. Get your quote!