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Life Insurance For Mums & Single Mothers 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 6th April 2024

life insurance for mums

A mother is irreplaceable. She works from morning to night, often struggling with a job and her family duties..

We understand that the well-being of your children is your top priority. That’s why thinking about life insurance can be both emotional and empowering.

Imagine knowing that should the unexpected happen, your children’s lifestyle, home comforts, and even their dreams for the future, like a university education, are secure.

Life insurance for Mums isn’t just a financial decision; it’s a parenting choice reflective of your love and foresight for your family.

And the best part? Taking out a policy is more affordable and more straightforward than you might think. Life insurance is not about the uncertainty of life but about the certainty of your family’s security and happiness.

It’s an act of love, a testament to your commitment as a mum to always care for your family.

At Insurance Hero, we understand that you have a lot on your plate as a mum. That’s why we make it easy for you to get cover and ensure your family’s financial future. With our life insurance policies, you can rest assured that your loved ones are cared for no matter what happens.

Mums, Help Protect Your Family’s Future · Compare Top Insurers · Find Your Cheapest Quote

life insurance for mum

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🌻 5 Heartfelt Reasons Why Mums Need Life Insurance

  • Secure Your Family’s Future: Life insurance is the perfect way to safeguard your family’s financial well-being in unforeseen circumstances. With a solid policy, you can rest easy knowing your loved ones will be cared for, no matter what life throws your way.
  • Protect Your Loved Ones from Debt: In the event of your untimely passing, outstanding debts can burden your family. Life insurance helps relieve them of this financial stress by covering outstanding loans, mortgages, and other expenses, allowing them to grieve without the added worry.
  • Maintain Your Family’s Lifestyle: The loss of a mum’s income can be devastating for the family’s standard of living. Life insurance ensures your family can maintain their accustomed lifestyle, even in your absence, providing stability and continuity.
  • Fund Your Children’s Education: As a mum, your children’s education is a top priority. Life insurance can help secure their academic future by setting up a financial cushion to cover tuition fees and other educational expenses, giving them the opportunities they need to thrive.
  • Leave a Legacy of Love: Life insurance is more than just a financial safety net—it’s a testament to your love for your family. Investing in a policy shows your family that you’ve thought of their future and have taken steps to ensure their happiness and security.

Don’t let your family fall apart if something happens to you

No one knows when their time will come, but you can be prepared. If something unexpected happens, the last thing your loved ones need is financial stress on top of everything else. That’s where life insurance comes in – it can help care for your family even after you’re gone.

Mums can get a free quote today via the quick form above and see how much money your family could receive in the event of your passing. You can rest easy at night knowing you have made this important decision for their future.

Plus, there is no obligation to proceed with the quote if you decide it’s unsuitable for you – so there’s nothing to lose. It’s the responsible thing to do, and it gives you peace of mind in knowing that you have done everything possible to provide for them.

Mums Life Insurance Gives You Real Peace Of Mind

There is a chance that your family could forfeit the rewarding things in life after your passing. Such as,
horse riding lessons, swimming, football or foreign holidays.

Comprehensive life insurance coverage protects your loved ones from unnecessary financial hardships.

Furthermore, you might require a policy when buying a property. Many banks and building societies require it to give you a mortgage.

mother and child
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A mum is often the family’s backbone. Being a mother or a single mum is truly a full-time job. Childcare, taking care of the home, taking care of the kids, running errands, remembering appointments, preparing meals, and ensuring the family’s daily routine is well organised.

Take a second and think how much it would cost to replace a mother.

Special Life Insurance Deals For Mums In 2024

Don’t be part of the 61% of UK Mums that don’t have life insurance cover to protect their loved ones if the unexpected happens.

  • Reliability – Honesty – Caring – Trustworthy – Amazing Prices – UK Based Staff – Free Service
  • Life Insurance Cover From Only £8 per month
  • Competitive premiums for younger Mums and stay-at-home mums
  • Life Cover For Mothers That Gives Your Family Protection Without Emptying Your Bank Account
  • We’ll explain the average cost of Mums life insurance plans and what matches your budget. No matter how much you are earning, we can get you covered
  • Possess sound customer reviews for customer service
  • Smoking status: Non-discriminatory quotes provided for smokers and vapers
  • Take out affordable life insurance and save money on one of life’s most important requirements

Life Insurance For Single Mothers

Are you a new mum, a single mum, a stay-at-home mum, or the sole family breadwinner? If so, life insurance for a single mum can help give you more peace of mind.

Optional children’s cover as well as critical illness cover. Chosen by 1000s of happy parents in the UK. Insurance Hero proudly offers some of the best life insurance for single mothers without gimmicks and hidden extras.

Reasons To Get Life Insurance Cover As Financial Support:

  • Guarantee a mortgage-free home for your loved ones
  • Preserve the style of living you’ve created for your children and spouse
  • Make sure funeral costs can be covered
  • Allocate your money to your kids without inheritance tax
  • Life insurance for mums policies are also available for stay-at-home parents
  • Increase temporary bereavement benefits
  • Protection for loved ones if you should get a terminal illness or serious illness

Of course, the emotional trauma on her family, surviving parent and especially her children cannot be expressed in terms of money, but think of all the tasks a mother accomplishes daily. All these tasks would have to be done by a paid employee.

A mother is invaluable on many levels; however, a mum always puts her children first regarding life insurance.

life insurance for mums uk

Mums, We Compare Life Insurance Quotes From The Leading UK Insurers That Protect You. 60-Second Quote Form

cheap life insurance for mums
  • Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

life insurance for single mums

Life Insurance For Mums: The Real Cost Of A Mother

It is well known that being a mum is not an easy task. Every day is a whirlwind. I do not have to tell you what a hard job being a mum is as you are a mother yourself.

You already know all about it, but have you ever thought about how much it would cost to replace you? What is the price tag on all the services a mum provides?

Well, let’s see. If you spend six hours a week cleaning the house, you do about £48 to £51 of work per week! A professional cleaner charges £16 to £17 per two hours of work. If you stretch that over a month, it’s £192 to £204 that your family must pay to keep the house well-organised and clean.

I’ll let you do the maths of what this represents over a year or ten years…This is the kind of money most families don’t have to spend! On top of that, cleaning the house is just one of the many tasks a mother might do. It’s only the tip of the iceberg. Often, we have no time to think about life expectancy.

best life insurance for mums

The Cost of Childcare Support

Whether you are a stay-at-home mum or work outside the home, you know how time-consuming childcare is and how blissful and fun it can be.

A family with the terrible misfortune of losing its mum would have to pay at least £28,000 per year in childcare support to make up for the care she would have provided.

Losing a parent is a life-changing event for a child, let alone losing two. It is hard to think about such things, but the truth is that 1 out of 20 children loses one or both parents whilst still being full-time students.

The pain of losing a parent cannot be erased quickly; only time can heal it. Fortunately, the financial implications of such a terrible loss do not have to be added to the already harrowing grief. It is better to be prepared for such eventualities. Having your finances in place will provide much-needed relief to your partner.

They will be able to take the time to give emotional support and care to the children, taking time off work when needed. Such a financial safety net can be provided by life insurance.

Family Income Benefit, a type of life insurance specially designed for young families, gives a monthly income to grieving families, providing much-needed support.

Errands, driving, after-school activities, paying the bills, and more!

Aside from everything mentioned, a mum works hard outside the home. She often runs errands, drives her kids around, participates in school activities, takes care of the bills, does the grocery, and so much more.

The father would have to do all of these crucial tasks, or the family would have to hire someone to do them, which would cost a lot of money.

life insurance for mums on benefits

Life Insurance For Mums: Why?

Simply, to take care of your family. To make sure they are taken care of if something happens to you. If you purchase a whole of life insurance or term insurance and the payments are made each month, you will make sure that your family is provided for when you are no longer around.

Whole of life insurance for mums lasts for the whole of your life, and a term insurance plan lasts for a set amount of time, around 25 years. Your family can put money towards the children’s future but also alleviate the cost of paying professionals to do the work and any tasks you used to do as a mum.

Dealing with Life Insurance Changes after Divorce

Most breakups aren’t easy to deal with. It’s even more complicated when that relationship was steady for years and involved a mortgage, joint finances, joint life insurance policies, children, and Wills. It’s a lot for any parent to deal with, but it must be done.

When the dust settles, and you’re ready to separate your finances, you must know what you can and can’t do. What you cannot do on a joint life insurance policy after you’ve separated is keep it. The only exception is if you have a “separation benefit”.

Without that, the policy needs to be either cancelled or amended. The best way to determine how to proceed is to compare the life insurance cost of starting a new policy against the cost of keeping the same one in place with amendments.

life insurance for new mums

Changing your policy may change the pricing

The premiums will likely reflect that because a joint policy is being changed to a single policy. It may drop in price because, theoretically, the risk to the insurer is halved by removing someone from the policy. But, then again, the income level being insured will also be different.

Can you take out a single additional policy on your ex-husband or ex-wife?

To take out an affordable life insurance or critical illness cover policy on someone else, it is required for them to have a financial association with you. In the case of divorce, that may not be the case, but it will be if child maintenance payments are involved.

Taking out a policy without your ex-spouse knowing about it won’t be possible. Secret policies don’t exist, nor can they because consent is required for insurers to access medical records.

Other situations where taking out a life insurance for mum’s policy following a divorce or the dissolution of a civil partnership is when spousal maintenance payments (known in Scotland as a Periodical Allowance) are in place.

If an ex-spouse makes regular payments to you towards living expenses or a repayment mortgage, there would be a financial interest to ensure those payments with some type of life insurance policy.

When things could be complex is if there is neither a Clean Break Order or Consent Order in place following the divorce.

The only thing to survive a divorce is matrimonial finances unless a Clean Break or Consent Order is issued. Both prevent either party from making a financial claim against the other in the future.

Without those, it could be possible for one person to come into a windfall, perhaps through a family inheritance, and the other could make a claim against them for a portion of the money, even if it’s 20 years after a divorce.

If either of those is issued, the financial ties would be severed. You’d likely find it more challenging to prove to an insurance company that you have a financial interest/link with the person you’re trying to take out a life insurance policy on.

They would be more likely not to consent to share their medical records.

life insurance for stay at home mum

The types of life insurance available when there is a financial interest

  • Term life insurance for mums

If you’re receiving child maintenance payments, it will make sense to insure the value of those payments until they stop when the child turns 16 or 18.

For any spousal maintenance or periodical allowance payments being made, the term the payments are awarded for, such as three years, maybe more appropriate.

  • Family Income Benefit

Instead of a lump sum being paid by an insurer, as it would be with a term life policy, a family income benefit policy would continue to pay a fixed amount each month until the child reaches 16 or 18 years of age.

Changing the beneficiary on your policy

Irrespective of what your Will says, the beneficiary named on your life insurance policy is the person whose monies are paid, so if that’s your ex and you no longer want that to be the case, you’ll need to contact your insurance provider to have the named beneficiary changed.

Do you need to change your Will as well?

When a Will registered in England is in place, you have a couple of options. You can either change your entire Will or add what’s called a Codicil.

This can be used to make minor changes to your existing Will, such as amending beneficiaries, although it can also be used to change the executor of your Will. That said, significant changes are often best done by writing a new Will.

why mums need life insurance infographic

Mums Life Insurance Key Points:

  • Mums are often the primary caregivers in a family, so their life insurance needs should be considered.
  • Life insurance can provide financial security for your family in the event of your death. Your loved ones can access funds to cover funeral expenses, debts, and other financial obligations.
  • The cost of life insurance is based on factors such as age, health history, lifestyle habits, and occupation. It’s important to shop around for the best rate and coverage for your specific situation.
  • Different types of life insurance policies are available, including term life insurance, whole life insurance, and mortgage life insurance. Each type has advantages and disadvantages, so it’s important to research each before deciding.
  • Many employers offer group life insurance plans, which can be an affordable option for mums who want to purchase a policy but don’t have the resources or time to shop around for individual plans.

Some costs that could be covered by life insurance:

ExpenseAverage Cost
Outstanding mortgage repayment amount£171,000
Cost of childcare over 10 years£108,000
Cost of a university degree (including maintenance and tuition)£43,000
Cost of music tuition for two children over a ten-year period£36,000
Dance, drama or creative arts twice a week for two children over ten years£58,000
TOTAL: £416,000
life insurance policy for mum

Related Reading:

Benefits of Writing Your Life Insurance into Trust

Understanding Family Income Benefits

Which Life Cover Is Right For You?

To leave a legacy behind is a beautiful thing. Every mum wishes to care for her family forever, but this is not always possible.

A women’s life insurance, 50s life insurance, decreasing term insurance, level term life insurance or critical illness cover policy allows you to leave your family with one less burden, less stress, and the capacity to live happily, even if you are gone or suffer a terminal illness. Try our mum’s life insurance calculator to get a comparative quote.

In summary, if you’re a mum, it’s essential to get life insurance that’s right for you and cover that will ensure your family is cared for and protected if anything happens to you.

You can start a search and check out your options and how much life insurance you might need with free, no-obligation life insurance quotes from Insurance Hero. Our free service can help explain how much coverage is best for your circumstances.

Approximate Life Insurance For Mums Cost Per Month

Below is an illustrative price comparison of a Mums term policy with a decreasing term insurance policy.
These are quotes for a £100,000 policy, cover 30 years, and are based on a healthy non-smoker.

Level Vs Decreasing Term Cover

Your AgeLevel Term Life InsuranceDecreasing Term Life Insurance
20£4.53£4.71
25£5.27£4.98
30£5.83£5.13
35£7.91£6.04
40£11.42£7.95
45£17.32£10.82
50£28.81£17.10

Below is an example of a price comparison between single policies and one joint policy. These quotations are based on a policy giving £100,000 of coverage over 30 years for non-smokers in good health.

Single Vs Joint Policies

Your AgeTwo Single Life PoliciesA Joint Life Policy
20£9.11£7.35
25£10.54£8.19
30£11.65£10.26
35£15.82£15.09
40£22.83£21.43
45£34.72£33.28
50£57.63£55.56

Below is an example of a price comparison between a smoker and a non-smoker in good health. The quotes are based upon a £100,000.00 level term policy over 30 years.

Smoker Vs Non-Smoker

Your AgeSmoker Per Month CostNon-Smoker Per Month Cost
20£5.87£4.54
25£7.27£5.26
30£9.82£5.81
35£14.62£7.91
40£22.74£11.37
45£36.74£17.35
50£60.12£28.83
reasons to consider life insurance cover

Life Insurance For Mums On Benefits: What Are Your Options?

In the UK, mums on benefits have several life insurance options. These options are designed to provide financial security for their families in the event of their passing.

  1. Term Life Insurance: This is the most common and affordable type of life insurance. It provides coverage for a specific period, such as 10, 20, or 30 years. If the policyholder passes away during this term, a death benefit is paid out to the beneficiaries.
  2. Whole Life Insurance: This type of policy offers coverage for the policyholder’s entire life as long as premiums are paid. It also accumulates cash value over time, which can be borrowed against or used to pay premiums.
  3. Family Income Benefit: This type of term insurance that, instead of paying out a lump sum, provides a regular income to the beneficiaries for the remainder of the term. This can be particularly useful for young families, ensuring a steady income stream.
  4. Critical Illness Cover: Often added as an option to life insurance policies, this cover provides a lump sum payment if the policyholder is diagnosed with a specified critical illness. This can be crucial for single mothers or primary caregivers.
  5. Mortgage Life Insurance: This is designed to pay off a repayment mortgage in the event of the policyholder’s death, ensuring that the family home is not lost.

These life insurance options are available at competitive premiums, and the cost can vary based on factors like age, health, and lifestyle.

It’s important for mums, especially those on benefits, to compare different policies and providers to find the most suitable and affordable coverage for their needs.

Additionally, some policies offer non-discriminatory quotes for smokers and vapers, and there are special deals and considerations for younger and stay-at-home mums.

Life insurance for mums in the UK is not just about providing financial support in case of death; it’s also about ensuring that the family can maintain their lifestyle, cover educational expenses for children, and manage any outstanding debts or mortgages without financial strain.

The Benefits Of Young Mum Life Insurance Coverage

  1. Financial Security for Children: Ensures that in the event of the mother’s untimely passing, her children will have financial support for their upbringing and education.
  2. Debt Protection: Helps cover any outstanding debts or mortgages, preventing financial burdens from being passed on to the family.
  3. Income Replacement: Provides a financial safety net to maintain the family’s standard of living, especially if the young mum is a primary or sole breadwinner.
  4. Peace of Mind: Offers reassurance to the young mum, knowing that her children and family will be financially protected in her absence.
  5. Affordability: Generally, life insurance premiums are lower for younger individuals, making it a cost-effective option for young mums to secure their family’s future.

Life insurance For Mums With Free Gift?

It’s not uncommon for insurance providers to offer promotional incentives, such as free gifts, to attract new customers.

These offers might include vouchers, cashback, or other bonuses. It’s advisable for Mums looking for life insurance to research and compare different policies and providers, paying attention to the terms and conditions of any free gift offers to ensure they align with their insurance needs and expectations.

We have a detailed guide on life insurance with free gifts that you might find interesting.

Life Insurance For Pregnant Mums

Obtaining life insurance during pregnancy is entirely possible. The fact that you are expecting a child does not influence your ability to secure a policy or the price of your monthly payments.

It’s feasible to initiate a policy at any stage of pregnancy. This will ensure the financial security of your expanding family and provide peace of mind regarding their economic well-being.

Life Insurance For Mums Conclusion

No one likes to think about their death, but it’s essential to have life insurance if something happens to you.

Life insurance pays out either a lump sum or regular payments on your death, giving your dependents financial support after you’ve gone. Life cover can be a lifesaver.

We can help you protect your loved ones and live a longer, healthier life. Give yourself and your family peace of mind.

If you’re a mum, you want to ensure your family is taken care of in the event of your passing.

Life insurance for mums can be affordable and easy to get. We’ll help you choose the right policy at the best price with just one phone call. And if you have any questions or concerns, our friendly team will be there to help.

Get a quote from us today! We offer many plans with flexible payment options so everyone can afford the coverage they feel comfortable with.

Life Insurance For Mums Case Studies

Case Study 1: Sarah, the Working Single Mother

Sarah is a 35-year-old single mother living in Manchester, UK. She works full-time as a nurse and is the sole provider for her two children, aged 7 and 10. Sarah had been considering life insurance for a while, but the demands of her job and her busy family life kept pushing it back. However, after a health scare, she decided it was time to take action.

Sarah took out a term life insurance policy to provide coverage until her youngest child turned 25. The policy was affordable and fitted into her tight budget.

She chose a life insurance for working mums policy that would pay out a lump sum sufficient to cover her mortgage and her children’s future education costs and provide a financial cushion for her children.

The benefits for Sarah and her family were immediate. Sarah felt relieved knowing that if anything happened to her, her children would be financially secure.

She knew the payout from the policy would cover the mortgage, ensuring her children always had a home. It also meant that her children’s education would be covered, allowing them to pursue their dreams without the burden of student loans.

Case Study 2: Jane and Tom, the Stay-at-Home Mum and Working Dad

Jane is a 40-year-old stay-at-home mum, and Tom is a 42-year-old engineer. They live in London with their children, aged 5, 8, and 12. While Tom had a life insurance policy through his employer, Jane had no coverage. They assumed that because Jane did not bring in an income, she did not need life insurance.

However, after a conversation with Insurance Hero, they realised the significant financial impact Jane’s passing would have. The cost of childcare, housekeeping, and other services Jane provided as a stay-at-home mum would be substantial.

Jane and Tom decided to take out a term life insurance policy for Jane. The policy was designed to provide a payout that would cover the cost of childcare and housekeeping services, as well as additional funds to support the children’s education and other expenses.

The benefits of this decision were clear. Jane and Tom gained peace of mind knowing they had financial protection for their family.

They understood that Jane’s role as a stay-at-home mum was invaluable and that her services would be expensive if she were no longer there.

The life insurance policy ensured the family would have the financial support they needed to maintain their lifestyle and support their children’s futures if anything happened to Jane.

Life Insurance For Mums FAQs

Do mums need life insurance?

Mums can benefit from life insurance because they have a greater chance of having a family to care for and are more likely to be a stay-at-home parent.

Can single mums get life insurance?

Yes, a single mother can get life insurance. You can apply for life insurance even if you are a single parent. You can get a good deal on your life insurance policy if you are financially stable.

Is mums life insurance expensive?

No, it’s not necessarily expensive. An individual’s life insurance premium depends on age, health, risk, and family. It’s very important that you compare costs between insurers to find the one with the best value.

What types of mums life insurance is available?

There are two main types of life insurance. Term insurance is the most affordable and provides coverage for a specific period of time. A whole life policy provides coverage for life and accumulates cash value. While there is no one-size-fits-all solution, there are also options that adapt to your needs.

Free parent life cover, however, is not available from any providers at present. Mortgage life insurance can cover a repayment mortgage if you pass away.

Research references: