Compare life insurance from leading UK providers

Disclaimer: This guide is a resource if you are considering life insurance. Instant life insurance is not part of nowsure’s offering. 

Instant life insurance provides immediate financial security for your loved ones.

Imagining leaving your family behind can be upsetting, especially without financial support. Life insurance can cover essential costs such as childcare, or mortgage repayments.

What is instant life insurance?

Instant life insurance is a policy that is very quick to apply for. For those who qualify, it can take just a few minutes to apply. The insurer can provide an instant decision on this type of policy. With no manual or medical underwriting needed when applying. In most cases, instant life insurance is a term life policy

A term life policy covers you for a fixed period, usually between 5 and 30 years. 

Instant life insurance is only an option for those in good health. During the application you will need to complete some health questions. However, no medical exam is needed. 

If you have a history of medical issues or you are a smoker, you might not be eligible for this type of insurance. However, other comprehensive life insurance options are available.

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Is instant life insurance right for you?

As with any insurance policy, there are pros and cons to choosing instant cover life insurance. Considering all of these factors will help you to decide on the right policy for you.

Pros of instant life insurance

  • It can be fast, meaning that you can get insured in minutes.
  • It is convenient, with no medical exam needed.
  • If you are in good health, your application stands a good chance of being accepted.

Cons of instant life insurance

  • It is usually more expensive than term life insurance policies.
  • Because no medical exam is required of you when you apply, life insurance providers will use your most recent on-file medical records. This could affect your application if your information is not up to date.
  • The lack of a medical exam could mean providers contest your policy in the future.

So, should I choose instant life cover?

If you are looking for quick cover and you are also confident that your medical history is strong enough, instant life insurance could be right for you. However, the policies may be more expensive, and the acceptance rate is much lower than a standard term life insurance policy.

A standard term life insurance policy might be more suitable if you are looking for peace of mind. With this option, you will have a much better chance of being accepted regardless of your medical history.

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Instant life insurance vs term life insurance: What is the difference?

Instant life insurance is a type of term life insurance. It covers the policyholder for a fixed period. Typically around 5-30 years. If you die or become terminal ill. The payout of instant life insurance tends to be lower than other life insurance policies.

The only notable difference between the two is that you will know if your application has been successful straight away with instant life insurance. This is because they do not need a medical exam. This is unlike standard term life policies where you have to complete a more thorough background check when you apply. Therefore, it takes longer to find out if your application is successful.

Because of how quickly you receive a decision, instant life insurance policies are usually more expensive and can be less reliable.

Why choose a term life insurance policy?

Term life insurance is the most popular type of life insurance. It is also usually the most affordable.


This type of life insurance is perfect for individuals who want to ensure that their loved ones have financial protection when they die. Many people choose this type of insurance because it allows them to be covered during the years that their children are dependent on them. 

Many people also choose term life insurance if they are married or if they are in a long-term relationship. The payout from a term life policy could help to cover anything from replacing lost income to paying bills.

Your life cover starts once  your term life policy application gets approved. This means that your loved ones will receive a payout whether you die in the first or final year of your insurance.

At nowsure, we make getting approved for term life insurance straightforward and hassle-free.

Our application process takes only a matter of minutes to complete. We want you to feel at ease when you are sharing your personal information. Simple to use, you can complete our accessible online form from the comfort of your sofa.

Choose nowsure for a quick and hassle-free life insurance quote

Life can be complicated. Finding a life insurance policy that suits your needs does not have to be.

nowsure is all about making life insurance accessible and affordable for everyone. We all deserve stress-free insurance – a plan provided by people who care about our needs. And that is what we deliver to you.

  • Our team uses plain language. We provide clear explanations of all of our policies, helping you to make informed decisions.
  • We are  one of the UK’s top life insurance providers, so quality coverage is guaranteed.

Ready to explore our life insurance options? Start today with our affordable life insurance policies today and enjoy financial peace of mind.

Request a free callback or contact us directly at 0800 033 4187.

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Commonly Asked Questions

Put simply, life insurance works by paying a premium each month to your provider, which you’ll have to keep up for the duration of your policy. On your death, the people named in your policy (called your beneficiaries) will receive a tax-free lump sum or regular payments. How much this is depends on the level of cover you have chosen. And, of course, it’s also on the proviso that you die within the specified term of your policy.

It’s always advisable to compare life insurance quotes before taking out a policy. You and your family’s individual circumstances will determine how much cover you need and what you’ll have to pay in premiums. Other factors that may impact your life cover quote include your age and medical history.

Generally speaking, your life cover should start as soon as your application has been approved. This means that your loved ones will receive a pay-out whether you die in the first, fifth, 15th or 25th year of your insurance, as long as the policy has not run its term.

In some instances, however, the terms and conditions of the policy state that a waiting period is in place, so always read the details carefully before signing. This can happen in the case of a death by suicide, for example, where an exclusion period of 12-24 months from the start of the policy may apply.

Compare multiple life insurance quotes to get a good idea of how much cover will cost you. It can start from as little as £5/month – possibly less than what you’re paying for your monthly Netflix subscription – but will vary depending on how much you want the policy to pay out, how long you want it to last, and other factors such as your age, medical history and lifestyle, including whether you smoke.

Don’t be tempted to lie about your circumstances to get a cheaper policy – any inaccuracies may invalidate a future claim. And remember that the best (by which we mean the cheapest) time to take out a policy is when you’re young and healthy, so don’t put it off either.

Life insurance is often an affordable way to make sure your family stays afloat financially when you pass away. But its benefit is only truly maximised if it covers everything you want it to. Comparing life insurance on price level alone could mean your loved ones lose out for the sake of a just few pence more in your pocket each month. 

A smarter way to compare life cover is to be clear in your mind exactly what type of policy you’re after, how long you need it for and how much you want it to pay out. Once you’ve found several that meet your criteria, however, choosing the cheapest life insurance from the selection can make perfect sense. Always make sure you can afford the monthly premiums before you commit.

The most common policies are known as term life insurance. These cover you for a fixed amount of time and usually fall into two categories – decreasing term life insurance and level term life insurance.

Let’s start with decreasing term, which lets you choose how long you want the policy to run for. You’ll pay a monthly premium until that date, after which the policy ends and you’ll no longer be covered. The amount paid out decreases over time (hence the name), but you usually use this type of insurance to cover a mortgage, which also goes down with time too.

A level term policy, meanwhile, promises a lump sum for loved ones that always stays the same, whether you die in the first year of the policy, or the penultimate one. As a result it’s usually a bit more expensive than decreasing term insurance.

While the policies described above will cover you for a fixed amount of time, whole of life insurance has no ‘expiry date’. Your partner or children will receive a pay out whenever you die, and consequently this cover is a costlier option. It is often used to ensure a funeral can be paid for, or as part of inheritance tax planning.

Life insurance can cover your remaining mortgage, the rent, monthly bills, or loans and credit cards so there’s no immediate financial pressure on your loved ones if you die.

But it can also cover things like school and higher education, or childcare if your death necessitates this additional cost.

Sometimes the lump sum can be used as a gift, or simply to cover the cost of your funeral so it doesn’t come out of the family savings.

Term life insurance only offers cover for a limited period of time. After your policy expires, you can’t claim any pay-out and the premiums you’ve put in won’t be returned.

An exception is return-of-premium life insurance, which will essentially refund what you’ve paid – but at the cost of much higher premiums while the policy lasts. What’s more, you usually have to hold the policy for the entire term and make all payments to get your money back.

Most people simply accept that life cover, like other types of insurance, is about weighing up the risks of not having it against the price you pay if you don’t need to claim. The peace of mind of knowing your family will be looked after if the worst happens often makes the decision easier.

When you near the end of a life insurance policy, it’s worth considering whether you still need cover. If your mortgage is paid off and your children have flown the nest, then you may not require it anymore. If you do want to continue, you could buy another policy or apply to extend your current one. But bear in mind your premiums are likely to be higher than they were for your original policy now that you’re older, and you may not meet all eligibility criteria.

Generally speaking, you’ll pay less for life cover the younger and healthier you are so, if you think you need it, it’s sensible to compare life insurance quotes as early as possible.

There are several events in life that inevitably make the question of whether to get life insurance more urgent. Buying a new home and taking out a mortgage is an obvious one. If you die before the loan is repaid, the responsibility for it will fall on your loved ones instead, so you need to think about whether they’ll be able to shoulder this without your income.

For other people, having a baby is their trigger to consider life cover. According to Child Poverty Action Group raising a child to the age of 18 in the UK in 2021 stood at £160,692 for a couple and £193,801 for a lone parent. Having a life policy in place, at least until children reach financial independence or have finished school, can give you peace of mind they’ll be provided for when you’re gone.

Even if you don’t have children, getting married or making any other long-term commitment to a partner can also be a reason to research life insurance. Whether you opt for a single or joint life insurance policy, your partner will be financially cared for on your death.

Life insurance is also relevant if you’re planning for a funeral and/or inheritance. According to the SunLife Cost of Dying Report 2022, the cost of a basic funeral in the UK was £4,056 in 2021. The lump sum your loved ones receive can be used to cover this, rather than it coming out of their own pockets. Alternatively the pay-out can make a difference for anyone looking to leave money to their children without inheritance costs. You can take out a whole-of-life insurance policy, which lasts until your death, to cover the inheritance tax bill you expect your heirs to have to pay.

Life insurance provide peace of mind that your partner or children with be financially looked after when you’re not around to do it yourself. If your dependants are still in school (or younger), or if your partner relies on your income it’s especially worth looking into. Ditto if your family is living in rented accommodation or in a house with a mortgage that you pay. If there’s any doubt they could keep up repayments without your salary, life insurance could be a solution.

Even if the long-term financial future of your family looks relatively stable without you, life insurance can be helpful to cover funeral expenses, provide an inheritance, or cover extra childcare costs if you’re not around.

Not everyone needs life cover. Some already have a policy through their employer, others may feel their partner earns enough for the family to live on. If you’re older and your children have flown the nest, it might also be unnecessary. The key question to ask yourself is whether your death would have a financial impact on the people you care about.