Can I buy life in insurance online?

Yes, the process of buying life insurance has never been easier now it’s possible to apply for and purchase a policy online.

When purchasing life insurance, there are two main ways you can secure a policy:

Online

Obtain multiple quotes, apply and buy life insurance online. With just a few clicks of a button you could find your perfect policy.

Suited to those who:

  • Are in good health (no pre-existing conditions or other high-risk factors)
  • Know what policy and how much cover they need
  • May struggle to speak to an advisor during daytime hours

Over the phone

An expert member of our team will support you through the application and provide you with our best deals for your circumstances.

Suited to those who:

  • Need more information on what options are available
  • May need to ask questions about the application
  • Have a pre-existing condition or other high-risk factors (hobbies/occupation)

Buying life insurance online puts you in control of when and where you secure a policy.

It’s the same as if you were to buy life insurance over the phone, however you’re in charge of inputting your details and you can go at your own pace.

How to buy life insurance online

Follow these 5 simple steps to buy life insurance online through Reassured, you could be covered in under 11 minutes ^ :

STEP 1 - Click through from this page to be taken to our online application form
STEP 2 - Complete the life insurance questionnaire, providing accurate information
STEP 3 - Receive instant quotes from some of the UK’s top insurers
STEP 4 - Secure the policy that best meets your needs and fits into your budget
STEP 5 - Have peace of mind that your loved ones are protected should the worst happen

Get Quick Life Insurance Quotes Online »

Buy life insurance online UK guide

In this in-depth guide, we’ll cover everything you need to know about buying life insurance online.

Topics covered include:

How to buy term life insurance online

When buying life insurance online through Reassured, you have the option of securing level term or decreasing term cover.

Buy life insurance online decreasing term cover

Level term life insurance

Level term life insurance provides cover for a specified period and a pay out will be made if you pass away during this time.

The sum assured (cover amount) will remain the same throughout the policy term.

  • Term length up to 40 years
  • Maximum sum assured up to £1,000,000
  • Includes terminal illness cover at no extra cost
  • Can be taken out on a joint basis (two lives covered under one policy)
  • Ideal for helping to cover a repayment mortgage
Buy life insurance online level term cover

Decreasing term life insurance

Decreasing term life insurance provides cover for a specified period and a pay out will be made if you pass during this time.

The sum assured will reduce throughout the policy term.

  • Term length up to 40 years
  • Maximum sum assured up to £1,000,000
  • Includes terminal illness cover at no extra cost
  • Can be taken out on a joint basis (two lives covered under one policy)
  • Ideal for helping to cover an interest only mortgage / family living costs

To buy term life insurance online, simply click through from this article to be taken to our online application form.

You’ll be presented with multiple options from top UK insurers, allowing you to select the option that best suits your needs.

Compare online quotes free of charge today.

How much online life insurance do you need?

Enter your financial commitments and key costs into the relevant fields to establish the level of cover you might need when browsing quotes online.

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk
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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk
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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk
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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk
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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org
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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk
£
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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net
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Can I buy life insurance online with no medical exam?

Yes, it’s possible to buy life insurance online without the need for a medical exam.

However, you’ll be required to answer health and lifestyle questions during the online application process. This means, if you have any pre-existing medical conditions, you’ll need to declare them.

When applying for life insurance online with a health complication, the application may need to continue over the phone so that an advisor can get a better understanding of your personal circumstances.

This will allow your policy to be underwritten accurately and your premiums calculated accordingly.

We have written a dedicated life insurance with no medical article which provides more detailed information »

Where to buy life insurance online?

You can buy life insurance online directly through some insurers, comparison sites and broker services (like Reassured).

  • Direct through an insurer
    Some insurers now allow you to purchase a policy online. While this allows you to purchase a policy quickly and easily, you’re unlikely to secure the best deal as you’ll only be provided with quotes from that specific insurer.
  • Through a comparison site
    Buying life insurance online through a comparison service allows you to browse through multiple quotes at once. However, you won’t have anyone to reach out to if you need help along the way.
  • Through a broker
    Using a broker you can compare quotes and purchase a policy at your own leisure. You’ll also benefit from an expert team being just a phone call away should you have any questions or need any assistance with the application.

When buying life insurance online through Reassured, you can compare quotes from some of the UK’s best life insurance companies.

The process is quick and hassle-free, so why not get started today?

Compare Life Insurance Quotes Online »

What questions will be asked on the online application?

During the online application, you’ll need to answer a questionnaire which includes questions about you and the cover you’re looking to take out.

The life insurance questionnaire includes questions about:

  • Basic information: Name, age, gender, height, weight
  • Health & wellbeing: Current health (physical and mental), medical history, family medical history
  • Occupation: Job title, the nature of your role, whether you work at height, with dangerous / heavy machinery, whether you travel frequently for work
  • Lifestyle & hobbies: Alcohol consumption, drug use, hobbies
  • Smoking status: Whether you have smoked (including the use of vapes / e-cigarettes as well as other nicotine replacements) in the last 5 years
  • Policy type: Level or decreasing term life insurance
  • Policy term: Your chosen policy term (this could be up to 40 years)
  • Sum assured: Your chosen cover amount

You must provide correct answers for all questions you’re asked during the life insurance application.

Withholding information or providing false details could lead to your policy becoming invalid.

If you need support filling in your online application, our award-winning team are happy to help.

Prefer to speak to someone on the phone?

If you need support filling out the application form, you have questions or you’d just rather speak to someone, we have a team of experts who are ready and waiting to help you find your ideal policy.

We can answer any questions you may have, guide you through the entire application and decode any life insurance jargon.

Simply get in touch for your free, no-obligation quotes.

How much is life insurance online?

The cost of life insurance will depend on your personal circumstances.

Using the details provided during the online application (listed above), your life insurance premium and eligibility will be calculated.

Each insurer will have a different underwriting process, meaning the quotes you receive could vary in price. This is why it’s essential to compare multiple quotes to find a great deal.

When comparing life insurance online through Reassured, you’ll have a variety of quotes at your fingertips.

Once you’ve found our best deal, you’ll simply need to complete the application to be covered instantly.

Online Quotes in Under 11 Minutes »

Who can buy life insurance online?

Anyone can apply for life insurance online. However, our online comparison service will be most suitable for those who:

  • Are in good health
    As the online underwriting process is automatic, it can be most beneficial for standard applicants (those with no high-risk factors, such as a medical condition or dangerous occupation). If anything is flagged as high-risk during an online application, you’ll need to continue your journey over the phone.
  • Have a busy lifestyle
    If you can’t take calls during the day (such as during work hours), applying for life insurance online allows you to fill out the application form at your own leisure
  • Know what they want
    If you know exactly what policy and how much cover you need, then buying life insurance online can provide you with a quick and easy way to secure a policy

Is it safe to buy life insurance online?

Yes, it’s safe to buy life insurance online.

When buying life insurance online you’ll want to make sure that you’re buying from a well trusted provider, who is Financial Conduct Authority (FCA) regulated.

Reassured are FCA-regulated and rated as ‘Excellent’ on Trustpilot with over 75,000 customer reviews.

What are the pros and cons of buying life insurance online?

PROsCONs
You’re in control of taking out a policy so can do this whenever it suits youNot everyone will be eligible to buy life insurance online
Fast and convenient way to secure life insurance coverYou’ll need to do your own research regarding the policies available (to make sure you’re making the right decision)
You can choose between level and decreasing term life insurance through ReassuredNot suitable for those wanting whole of life insurance
You can pause your application at any point to contact a friendly member of our team who can provide supportNot all life insurance providers offer policies online

The main benefit of buying life insurance online is that you can secure a policy at your own leisure.

You can go through the application at your own pace and you can also take a break from the application if you need.

The downside to taking out cover online is that if you have a pre-existing medical condition, or if other high-risk factors are identified you may need to finish your journey via the phone.

Whether you choose to take out cover online or over the phone, the most important thing is to ensure that your policy meets your needs and budget.

Reassured offer the opportunity for you to secure cover both over the phone and online.

Buy life insurance instantly online

Receive instant life insurance quotes when buying life insurance online through Reassured.

The ability to buy life insurance online allows you to secure the cover you need quickly, easily and at your own convenience.

Key benefits of buying life insurance online with Reassured:

  • Receive instant life insurance quotes from some of the UK’s best providers
  • FCA-regulated service
  • Quick application process (your family could be protected in under 11 minutes)
  • Our team are just a call away if you need support
  • Start your journey to securing your loved one’s financial future today
Buy Life Insurance Online »

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