Protecting you and yours

What's our Superpower?

What does Insurance Hero offer? Life insurance that gives you and those closest to you peace of mind that if the worst was to happen, your loved ones would have a financial safety net to support them.

We’re faster than a speeding bullet

With our 2 step life insurance quote form, you might find you’ve hit submit before you even thought you’d started; super speeding your way to your personalised quote.

We’ve got all the gadgets

When we have your details that’s when we go to work. Using all our advanced gadgetry we hunt down the best deal based on your personal requirements.

We can transform

When we contact you via phone or e-mail you’ll discover our personalised quotes are incredibly adaptable, transforming into the perfect hero you need.

Your perfect cover

We compare the leading insurers to locate your perfect match

Bespoke service

Personal access to an experienced life insurance specialist

No charge service

Why pay a fee? Regular premiums are all you pay

Quick & easy

Leading UK insurers, with friendly UK based staff. Compare today and save £100’s

Get a Free Quote

There is no obligation to accept any quote we offer, though we suspect you will because the deals are excellent.
Click the button above, fill in the form and get a fast personal quote to see what we mean.

We compare leading UK insurers

Legal and General
Aviva
LV
friendslife
Scottish Provident
+ many more
Testimonials
marcus
  • Marcus D
  • London

The simplest site I chose to look at and cheaper prices than the other sites I tried.

Mr-and-Mrs-Deane
  • Mr & Mrs Deane
  • Bristol

Simon was an excellent consultant when we switched our family's life insurance and critical illness cover...

Pamela
  • Pamela
  • Derby

I saved myself significant money each month by using Insurance Hero and would therefore recommend them very highly.

claire
  • Claire
  • Leeds

Sorting out the life insurance cover that best suited me was pure simplicity.

Who can we help

Worried you might not get cover?

We advise people from all walks of life on the best options available to them. Your lifestyle choices might even help lower your monthly premiums. We can help these people and many more

Get your 1 minute no obligation quote
Get your 1 minute no obligation quote

Why do I need Life Insurance

Life insurance is something that everyone should consider as part of the estate planning process. It provides a certain level of financial compensation upon the death of the insured.

The earlier people obtain life insurance quotes, the better. An accident or tragedy often comes without warning; this extra financial protection makes a difficult situation easier to handle. Insurance rates are lower for younger people, but even over 50s coverage is affordable from the best life insurance providers.​

Most people want to live as long as possible, but unfortunately, some people suffer premature death. The risk of this happening increases based on several factors, including genetics and health conditions. It is wise to take a realistic view of your life expectancy when determining how much and what type of life coverage to purchase.

Making the right choice erases any worries that an early death will be financially crippling for surviving dependents. Death is a part of life, and approaching it objectively ensures the best outcome when shopping for life insurance. The experts at Insurance Hero can help you compare life insurance plans from the leading providers in the UK, ensuring you get a policy and level of coverage that is right for you.

Life insurance protects you

Have you ever thought about how your dependents would manage financially after your death? If you have a financially dependent spouse or children, things could become very difficult.

Though no one relishes the thought of dying, it is important to think about how loved ones would be affected from a financial perspective. Dealing with your death will be difficult enough for them—there is no reason to add to the burden. With life insurance in place, beneficiaries will have an easier time making ends meet.

Amount of cover to buy

Merely purchasing life coverage is insufficient to provide financial security for surviving loved ones. The general rule is that the coverage level should be five to ten times the current annual income.

The level of coverage must be sufficient to offer financial relief. However, these should also be considered if the insured or beneficiaries have unique financial needs. Undecided situations, such as whether a child will attend university, should be accounted for when determining the amount of coverage.

Think about future generations

If you have children or grandchildren, the last thing you want to do is burden them with debt after your death. On the contrary, most parents and grandparents want to leave a legacy for their children. A bespoke over 50 plan can help you achieve this and more.

People work hard to create a comfortable lifestyle for themselves and make things easier for future generations. Life coverage creates a legacy to pass along to the younger family members. Why not complete our simple no-obligation form today and gain some clearer insights into the options available to you?

Some important factors to consider

When people calculate the amount of life insurance needed, they usually include the mortgage and major debts like loans or vehicle financing. However, these are only the most common financial commitments. All monthly expenses should be considered when calculating the optimal level of life insurance coverage.

In addition, losing a household salary is just one negative financial result of death. A surviving partner or spouse may need to begin paying for professional childcare to return to the workforce. Consider what it will cost to maintain and run the household following your death.

Death is not the only situation that affects finances. An accident or illness that renders you unable to work can have a detrimental effect on your lifestyle and that of those who depend on you financially. Critical illness coverage protects your income while you are out of work, offering financial relief during an otherwise difficult time. It is used only when needed but is always there, providing peace of mind that should a serious accident or illness occur, your family’s finances will not be jeopardised.

Please read the information on our site to learn more about life and critical illness coverage. We strive to provide comprehensive details in an easy-to-understand format. Information regarding different types of term life insurance, decreasing term, level term and coverage for the over 40s and 50s is included. As of 2024, we have also introduced special life insurance for over 60s plans, so please don’t hesitate to contact us for a quote. Whole of life cover is also available with excellent terms.

Our site also includes information regarding life insurance for mums and the best life insurance for dads. With so many different kinds of coverage available, it is important to understand the differences. With the help of our experts, it will be easier to choose the best type with a level of coverage that offers the right financial benefits for you.

The best time to buy coverage

The best time to purchase life and critical illness coverage is now, regardless of your age. Those of you who are young, healthy, and physically fit may wonder why you would need insurance as much as an older person. The reality is, accidents, illnesses, and death do not discriminate. They can strike anyone at any time.

Getting coverage at an early age provides the benefit of a low premium and some plans feature a rate that can be locked in for many years. Obtaining whole life insurance quotes when you are healthy limits the financial worries that arise if your health changes in the future. We provide detailed information on many providers including Tesco life insurance and AXA life insurance, including the full range of policies they offer.

Life insurance coverage should not be a static thing. Coverage needs will vary based on resources, needs, and financial goals. For example, once a mortgage is repaid, it will no longer need to be considered in coverage level calculations. However, providing for the retirement needs of a surviving spouse or partner may take its place. In the same manner, a single policy holder should ensure they make coverage changes in the event of a marriage or the birth of a child. If a spouse passes away, the surviving partner must shift their focus to providing for younger members of the family in the event of their own death.

It is important to determine not only how much money will be needed each year but also for how many years it will be needed. If survivors are young when the insured person dies, a substantial amount of money may be required to cover their living and educational expenses until they are able to support themselves. The insured should also consider the costs to administer and settle the estate because these can be quite substantial if the value of the estate is large.

Current investments may cover some expenses but they will only be effective if the returns they earn keep pace with the inflation rate. Therefore, some people make changes to their financial portfolio by exchanging a portion of their investments for a life insurance policy. This allows them to be confident that their money is being allocated most effectively. Market investments rise and fall – an investment in life insurance can provide you with more security.

The type of insurance you need

Maybe you’re looking for Prudential life insurance quotes TPD cover, or just any cheap life cover. Dealing directly with an insurance company may seem like the easiest approach but it is not always the best option. Expert insurance policy comparison allows you to review coverage from the entire market, making it easier to find the desired level of coverage at the best price.

At Insurance Hero, we do the shopping for you. We compare life insurance policies based on your unique needs and find the perfect options for you, saving you precious time and eliminating frustration. You reap the rewards by saving money on the coverage you want and need.

A regular search for available policies such as life insurance with pre-existing medical conditions allows you to maintain the best coverage throughout your lifetime. Things do not get much easier than this, although we are always taking steps to streamline the process. We can also offer unparalleled help for those seeking young adults life insurance, smokers life insurance or life insurance for women.

Whether you are young or old, a single person, healthy or not, life, critical illness, and disability insurance are essential. Now is the perfect time to explore your options with one of our insurance experts. Coverage can also be supplemented or altered if your personal situation has changed. Our representatives are always ready to review your existing arrangements and compare life insurance plans that could be more suitable for you.

You will discover that it is as easy to enrol in new coverage as it is to make changes to existing policies. With our help, maintaining a sufficient level of the right type of coverage will become effortless. Browse around our site for more of the latest insurance tips from our principal consultant Steve Case.

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