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Instant Life Insurance Quotes Compare Cover

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 8th December 2023

instant life insurance

The days of filling out paper forms, buying stamps, posting off your life insurance application, and hoping you’ve completed it correctly are thankfully a thing of the past.

And as with many other services, you can now find online, applying for life insurance is smoother and swifter than ever before. But does this mean that you can get Instant Life Insurance?

There’s no need to wait days or weeks to find out if you’re eligible for a policy – with many life insurance providers offering instant quotes, you’ll need to answer a few questions, click a button, and you’ll get a quote that will reach you faster than a speeding bullet – or within minutes at least!

Not only that, but at Insurance Hero, we’ll find the best deal personalised especially for you, there’s no obligation to accept our offer, and we don’t charge fees.

We’ve got plenty of testimonials from happy customers who loved the convenience of our simple two-step process and the competitive rates they found here.

But let’s not jump the gun – you probably have more questions before starting. So before taking the plunge, read through our helpful guide, where we’ll answer all your Instant Life Insurance queries.

What Is Instant Life Insurance?

Certain life insurance providers offer the option of instant cover, meaning you can find out within minutes whether or not your application is successful.

This type of policy takes the lengthy process of supplying and submitting paperwork off your hands. All you need to do is complete an online digital form with a few personal details and answer some questions about your lifestyle, such as if you’re a smoker or have any medical conditions.

We’ll compare all the offers and policies from different insurers and present you with the best deal for instant coverage.

Get An Instant Life Insurance Quote Now ⏱ Takes About 60 Seconds.

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Why Should You Get Instant Life Insurance?

Really, there are two questions to answer here – why get life insurance and ‘instant’ life insurance? First, life insurance is the security blanket of financial protection we all need to ensure our loved ones are provided for should anything happen to us.

Suppose you’re the primary breadwinner in your family. In that case, life insurance will act as an income replacement should you unexpectedly pass away, guaranteeing that your loved ones won’t suddenly find themselves without money to live on.

And to answer the second question, why choose instant coverage? Well, it’s simple, really – it’s efficient, fast and stress-free.

With Insurance Hero on your side, you’ll have an expert helping you every step of the way so you can find the best instant life insurance policy without breaking a sweat.

The time-saving benefit is especially useful if you’ve put off finding life insurance for too long or need an emergency policy due to an unexpected change in circumstances.

Types of Instant Life Insurance

It is worth it to take a few minutes to understand the various types of life insurance policies available, even if it takes longer than filling out the application form! Our experts are at hand to answer your questions; nevertheless, if you enter the process well-informed, things will be clearer from the get-go.

Instant Term Life Insurance

Term life insurance provides coverage for a certain period of time – It’s the most affordable type of life insurance. Term life insurance can be divided into ‘level term,’ increasing term, and decreasing term policies.

Level Term Insurance – you’ll pay the same rate for your coverage throughout the entire duration of the policy. If the policy is still in effect when you pass away during the term, your beneficiaries will receive the death benefit.

Decreasing Term Insurance – the coverage amount gradually reduces over time and is usually used to cover a mortgage. In this case, if the policy is still valid when you pass away during its duration, your beneficiaries will receive whatever coverage amount is left according to the policy.

Increasing Term Insurance – essentially, the opposite of decreasing term, increasing term insurance provides you with a policy that grows over time. It’s often used to keep up with inflation and guarantees your beneficiaries receive an increased payout in the event of your death.

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Instant Whole Of Life Insurance

So now we’ve looked at instant term life insurance in its different forms that provide cover for a specified number of years; we’ll move on to instant whole of life insurance, designed to last your entire lifetime. As long as premiums are up to date, your beneficiaries will receive the death benefit whenever you pass away.

Unlike term life insurance, which is usually taken out for a specific purpose – such as covering a mortgage or providing protection until children reach adulthood with whole of life insurance, you’ll be covered regardless of when you die.

Over 50’s Plan – Instant Life Insurance With No Medical Exam

If hitting fifty feels like it’s come around too fast, there is one benefit to reaching this milestone age: taking out an Over 50’s insurance policy with no medical exam!

If you’re between 50-80 and seeking a hassle-free instant life insurance plan with no medicals or health checks required, this policy is for those who wish to secure coverage without jumping through hoops.

Joint Instant Life Insurance

Married or in a long-term relationship? Joint life insurance might be smart as it covers two people on the same policy. The main benefit is that premiums are usually cheaper than having two separate policies.

Still, there are a couple of caveats, both policyholders must have the same beneficiary listed on their application, and payouts will not be made until both individuals pass away.

Instant Life Insurance With Critical Illness Cover

If you want to secure critical illness cover as an add-on to your instant life insurance policy, you can select this option when you apply for a quote.

If any serious condition detailed in the policy is diagnosed, this type of protection pays out a lump sum so that you have access to any medical care or treatments necessary or use it to pay off debts or make any other changes to your life.

How Much Does Instant Life Insurance Cost?

Numerous variables come into play when calculating the cost of an instant life insurance policy:

Age: One major factor to consider is age – typically, the older you are when applying for a policy, the steeper the premium will be.

Health: Your health history and any present medical conditions will affect your quote.

Occupation: If you are in a job that involves higher risk-taking, such as working with explosives or flying planes, this may influence the cost of your cover.

Smoking status: Non-smokers tend to get cheaper rates than those who smoke or use nicotine products in other forms like e-cigarettes.

Type of coverage: as we’ve discussed, there are various types of life insurance – your choice will ultimately determine the cost of your policy.

What If I’m Not Eligible For An Instant Life Insurance Policy?

At Insurance Hero, we will do our utmost to find the best instant life insurance for you, but in some instances, usually due to health issues, some people might not be eligible.

If this is the case, and instant life insurance isn’t available to you, don’t worry; one of our experts will gladly discuss all available options with you.

Remember, there’s no obligation to take out any policy we recommend.

Compare Instant Life Insurance Quotes in Minutes Today!

We understand you want life insurance and don’t want to be kept waiting, so our online platform allows you to compare quotes in record time.

We’ve got the tools, expertise and best instant life insurance providers available to save you hours of research and, let’s face it, tedium.

Our UK-based staff are experts in comparing and finding you low-priced plans from a wide range of companies.

And our advanced technology quickly filters all quotes to give you tailored suggestions from the most trusted providers on the market. Simply enter a few details online, and you’ll have access to instant life insurance quotes from leading insurers and fast! Don’t wait any longer – get a quote today.