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Life insurance for dads.

As a dedicated life insurance broker, we specialise in providing life insurance for dads like you who want to protect their family’s financial future no matter what.

We know that your family’s well-being is your top priority. That is why we are here to help you find  life insurance that fits your needs and budget.

Every 22 minutes on average, a child in the UK loses a parent. We are here to help you prepare for the unthinkable.

Trust is at the heart of what we do at nowsure. We believe that taking a personalised approach to our clients is the best way to earn that trust. 

Let’s work together to give you peace of mind and ensure your family’s financial security for years to come. 

Fill out the contact form today and await a prompt response.

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Life insurance for dads: How can we help you provide for your family's future?

While there are not dedicated insurance products for dads, it is crucial to consider how your unique needs may impact your policy choice. Our page addresses your specific concerns and aims to provide reassurance by addressing any queries or requests you may have.

As a dad, you have a family that relies on you. That is why we have got your back with life insurance policies tailored just for you. The life insurance plans we provide are flexible, affordable, and crystal clear. 

  • We work with established insurers to bring you comprehensive coverage at a reasonable cost, ensuring that you are getting the best possible value for your investment.
  • We will pair you with a dedicated agent who will help you understand the entire application process, ensuring that you understand your options and can make an informed decision.
  • We understand that your time is valuable, which is why we have made applying for cover simple.


Facing the unknown is never easy, but planning ahead is the ultimate key to peace of mind. Contact us today to learn more about how we can help you get the life insurance coverage you are looking for.

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5 reasons dads could benefit from life cover

Life insurance is not something that people like to think about. For dads, life insurance offers peace of mind knowing that your family is financially protected in the event of your death. Here are five reasons why dads could benefit from life cover:


  • Protecting Your Family’s Finances: Ensure that your  family’s finances are protected in the event of your death. If you were to pass away, the lump sum payout  can help to pay off outstanding debts, cover funeral expenses  or provide a financial cushion for your loved ones.
  • Providing for Your Children’s Future: You want to ensure that your children have a bright future, even if you are not around to provide for them. If you were to die, the payout can help to fund your children’s education or help provide for their daily living costs.
  • Ensuring Your Spouse’s Financial Security: Do not leave your spouse or partner  struggling if you die. Receiving a payout from your life insurance  can give them the financial cushion they need to keep living life to the fullest.The payout could help contribute towards paying off debts or  handling any unexpected expenses that come their way.
  • Estate Planning: Life insurance  can serve as an estate planning tool. Offering a tax-free lump sum payment to your beneficiaries after you pass away. This could help to streamline the probate procedure and help your loved ones obtain the most significant benefit from your estate.
  • Peace of Mind: Having life insurance can provide dads with peace of mind knowing that your family will be financially protected in the event of your death. Knowing that your loved ones will be taken care of can help to alleviate some of the stress and worry that comes with being a parent.
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Types of life insurance dads may consider

When it comes to life insurance, there is a lot to think about. You will need to weigh up your own finances and your family’s needs, taking into account your age and health too. But do not panic, our nowsure agents can help you find the right insurance plan for you.

Here are just some of the life insurance options available in the UK market today:

Level-Term Life Insurance Level-term life insurance is the most popular type of life insurance for parents. It provides a fixed sum of money to your beneficiaries if you die during the term of your policy. The payout remains the same throughout the policy term. The term is a fixed period, typically 5-30 years.
Decreasing Term Life Insurance Decreasing term life insurance is another popular option for dads. The payout decreases over the term of the policy, usually to match your decreasing repayment mortgage or other debts.
Family Income Benefit Family Family income benefit is a type of life insurance that provides a replacement salary to your beneficiaries if you die within the policy term. This can help to provide for your family’s living expenses and ensure that they are financially able to replace the significant loss of income.
Whole-of-Life Insurance Whole life insurance gives coverage for the rest of your life, rather than for a specific period. This type of policy is usually more expensive than term life insurance but can also come with additional benefits such as savings and investment options.
Over-50s Life Insurance Over-50s life insurance is a type of policy, often whole of life cover, designed for those over the age of 50 who may not qualify for traditional life insurance due to health or other factors. This type of policy provides a fixed payout upon your death, and premiums are usually fixed for the life of the policy.
Joint Life Insurance Joint policies provide coverage for two people, usually a couple. Joint life insurance offers two policies. First death, where both parties are covered until one policyholder dies. When this happens, the sum is payable to the second person on the policy. Or, second death, where the payout will only be payable once both policyholders die, no matter how far apart the deaths are. You may want to weigh up the pros and cons of joint life insurance policies vs. single policies with your partner. 

How much life cover is enough and how do I calculate it?

When it comes to setting up adequate protection, we understand that every dad’s situation is unique. We provide quotes tailored to your personal financial circumstances.

If you have children who depend on your income, or you are a stay-at-home parent who takes care of them full-time, consider how they would manage without your usual salary or what the cost of alternative childcare might be.

Currently, the cost of living is increasing and subsequently, the cost of raising children is also rising. Studies suggest that looking after a child to 18 is the highest it has been since calculations started in 2012. The current cost for a couple is over £150,000. And for a single parent, it is over £200,000. This does not include housing, childcare and council tax costs.

Along with your regular payments and outgoings like mortgage payments, monthly rent, or credit card debts, it is also important to think about whether you have enough savings to cover additional  costs that may arise if you were to die. There are hundreds of outgoings that often slip our minds, but we are here to help you figure out the correct total of coverage.

How much could a dad expect to pay in life insurance premiums? 

Our experience in life insurance has taught us that many individuals fail to go through with life insurance due to the fear of the monthly premium costs. 

We are here to tell you that we know you have household bills to pay, and that is why as part of our price comparison service, we hunt around to secure you the right deals and premium costs.

The cost of life insurance can vary depending on numerous factors, including age, health conditions, and lifestyle. 

The following aspects are likely to be considered by your life insurance provider when it comes to finalising your policy details and coverage amount: 

  • Age: Generally, the younger you are when you take out a policy, the cheaper the premiums are likely to be. This is because younger people are considered to be a lower risk to insurers, as they are less likely to have health problems or pass away in the near future.
  • Health condition: Your overall health condition can also impact the cost of your life insurance premiums. If you have a pre-existing medical condition or a family history of certain illnesses, your premiums may be higher. 
  • Lifestyle: If you have a risky lifestyle, such as regularly engaging in extreme sports or smoking, your premiums may also be higher. This is because insurers see you as a higher risk for premature death.
  • Coverage amount: The payout amount that you would like your beneficiaries to receive  can also impact your premiums. Generally, the higher the payout amount, the higher the premiums will be.

For affordable life insurance cover you can rely on, speak to our team

Applying for life insurance as a dad: Our step-by-step process

Step 1: Start by filling out our convenient online form. Everyone wants a quick and hassle-free quote, so we have made it easy for you to provide us with the necessary information. Simply tell us with a few key details, and we will call you back to discuss the major details and give a free quote.

Step 2: If you need more information or have any questions, do not hesitate to reach out to our team. We pride ourselves on providing excellent customer service and will happily answer any questions you may have. We want you to feel confident and informed every step of the way.

Step 3: Once we have your information, it is time to explore your options. At nowsure, we believe that transparency and honesty are crucial when it comes to insurance. We will work with you to understand your budget and any medical conditions you may have so that we can provide you with an accurate quote. We will also share with you the different policies available to you from our panel of life insurers so that you can make an informed decision.

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How to reduce your premium payments on family protection

It is important to check the terms and conditions of every policy and ultimately, select one that’s going to offer the coverage you need. However, if you are looking at cost-effective solutions, here are just some of the most common ways of lowering your premiums.

  • Buy life insurance as soon as it is required. The younger you are, generally the lower the payments.
  • Use life insurance calculators and speak to a financial advisor or an insurance expert.
  • Be mindful of the policy you choose; each one has different terms that may incur higher fees. Ask an agent at nowsure for help understanding cost differences and influxes in premium prices.
  • Switch to a healthier lifestyle. As we have mentioned, the healthier a person is, the less they pay in premiums in general.

Understanding joint policies and single policies: Which is best for parents?

When it comes to life insurance for parents, one important decision to make is whether to opt for joint cover or separate policies. Both options have their advantages and disadvantages.

  • Joint policies: A joint cover policy provides coverage for two people, usually spouses or partners, under one single policy. This means that both persons are insured under the same policy and pay one premium. Opting for joint coverage may result in time & cost savings.
  • Joint policies:  The type of joint policy you take out, first death or second death, will affect both who receives the payout and when. 
  • Single policies: Separate policies offer personal coverage for each parent, meaning they have their own policy and premium. Separate policies offer greater flexibility, as each parent can adjust their coverage as needed without affecting the other person’s policy.
  • Single policies: It is worth keeping in mind that separate policies can be more expensive than joint cover, as each person pays their own premium. Managing two policies can be more complicated than managing one, as each policy will have its own terms and conditions.

Ultimately, the decision between joint cover and separate policies will depend on the individual needs and circumstances of each family. It is important to weigh the advantages and disadvantages of each option.

Reduce the financial impact of death, get your affordable life insurance quote today.

At nowsure, we get it. Finding the right life insurance policy can be overwhelming and stressful, especially when you have children who depend on you. 

One of the biggest myths about life insurance is that premiums are always too high and unaffordable. This myth can deter parents from considering a policy that would protect their loved ones. 

With nowsure, finding affordable life insurance that meets your family’s needs is possible. 

Our quote comparison service goes beyond just searching for deals. We strive to give you peace of mind and make the process of picking a policy as easy and stress-free as possible.

As a dad, securing your family’s financial future should be a top priority. Our quote comparison service can help guide you towards financial security no matter what stage of life you may be at. 

So, whether you are a new parent or just starting to think about your family’s financial future, nowsure can help you find the right policy at a price you can afford.


Will my lifestyle choices, health or age stop me from getting covered?

Our goal is to make life insurance accessible to everyone.

We believe that everyone deserves financial security, so we strive to find policies that work for all. We are committed to helping you find a policy you are happy with, without judgement.

Can I name my child as the beneficiary of my life insurance policy?

Absolutely! You can definitely name your child as your policy beneficiary. Just keep in mind that if your child is still a minor, you will need to appoint a guardian or trustee to manage the funds until they turn 18. And it is always a good idea to name a secondary beneficiary just in case.

Should stay-at-home dads have life insurance too?

Yes, you do not have to earn a regular income to get life insurance. If you were to die the life insurance payout could help cover the cost of childcare and household expenses. 

Can I change my life insurance policy if my needs change?

The simple answer to the question is, yes, in most cases you can make changes to your life insurance policy. Simple changes to your address and contact details should be easy enough to make. If you change your name, be sure to contact your life insurance provider to update them. And be ready to provide any documentation they may need.

Most insurance providers will allow you to make changes to your policy. However, terms and conditions will apply. Make sure to read your policy thoroughly. And keep in mind that any change could affect the premiums you pay.

Should I tell the insurance company if I have a dangerous hobby or occupation?

Having a dangerous hobby or occupation will not necessarily prevent you from getting life insurance, but it may affect your premiums. Your insurer will likely want to know about anything that might pose a higher risk of injury or death. This is so they can assess the level of risk they are taking on by insuring you. You must be honest and upfront about your hobbies or job. It is better to disclose everything upfront rather than risk having a claim denied later.

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.