Compare life insurance from leading UK providers

Disclaimer: This guide is a resource if you are considering life insurance best-suited to your background, age, gender, or status.

Life insurance for women isn’t just for the wealthy. There are affordable policies that can help you protect what matters most. Let’s face it, life can be unpredictable. So, it’s important to plan to secure your loved one’s financial security.

We believe that the life insurance application process should not be a source of stress or confusion. That is why we strive to make the process as easy as possible. We offer a personalised service and a relaxed, friendly approach. We have the knowledge and ability to help you find the coverage you need.

Our team of experienced insurance agents are helping women like you find the right life insurance policy to meet your needs. We take the time to understand you and provide you with the information you need to make an informed decision.

Contact us today to learn more about our services and how we could help you in finding the right life insurance coverage.


Life insurance for women: What you need to know

What exactly is life insurance? Life insurance is a type of insurance that pays out if you die while your policy is live. The insurance payout upon your death will go to your beneficiaries (the people you chose to ‘benefit’ from your insurance). This serves as a safety blanket for your loved ones in case of your unexpected death.

On this page, you’ll find all you need to know about life insurance: from who could benefit from it to the policy types you could get to provide a financial cushion to your loved ones.


Why do women need life insurance?

Women need life insurance for the same reasons men do. If you have children, elderly parents, spouses, roommates, or business partners who rely on you financially, getting life insurance is something to consider.


What might you consider when getting a policy?

  • Length of policy:You can get policies that pay out whenever you die. Or term policies, which pay out if you die within a set period e.g. 10 years or 30 years.
  • Premiums: The amount of premium you pay is different for everyone and will depend on various factors. Many individuals take into consideration their budget and lifestyle costs to calculate how much they can afford to pay each month.
  • What you need:  Insurance is about you and your life. Consider the people who depend on you. Consider your income, health, and any financial commitments such as a mortgage.

Finding the right type of life insurance policy for you

The types of policies available for women are no different to those offered to men. Each features different benefits. Choose one based on your needs, lifestyle, and goals.

Term life insurance (level term and decreasng term)

Term life insurance policies cover you for a set amount of time, usually 10-30 years. If you need coverage for a select period – while your children are young or until your mortgage is paid – this option may be worth considering. 

Whole life insurance

This type of insurance covers you for life., Your loved ones will receive a payout upon your death no matter when you die. There is often a cash value component that grows over time.

Group life insurance

If you are a business owner, you may want to consider this policy. Usually, this insurance is offered as a benefit to your employees. But it will cover you as well. Group life insurance provides a set amount of coverage. For example, one or two times the employee’s annual salary.
Calculate your cover Image

Calculate your cover

Quickly find out how much your monthly premium would be.

Calculate Now

Calculate your cover

Total Cover

We are only providing an estimate.

You will need to decide how much cover is sufficient to meet your needs.

Life insurance is designed to provide a cash lump sum should you die during the policy term.

I would like my life insurance to cover...

Adjust your cover

Can you get life insurance if you do not have a regular income?

If you are the main earner it’s likely your family are financially dependent on you. Even if you are not the main earner or you stay at home, your family depends on you in other ways. For example, many households depend on both partner’s income. Or depend on the stay-at-home partner to provide childcare and manage the home. If your partner were to lose you, they would have to pay for help with those things.

If you die, a life insurance payout can be more than a replacement of income. It can help cover childcare costs and other living expenses.

Can you get life insurance if you do not have a regular income? Image

Does life insurance change once you have children?

Yes, having children can be a significant life event that prompts a reassessment of your life insurance coverage. The sudden entry of dependents into your life may prompt you to take out a policy in the first place.

How exactly can your need for life insurance change after having children?

Increased coverage: When you have children, you may want to increase your life insurance coverage. This is to ensure your children are supported r financially if you die. The amount of coverage you need depends on factors like family expenses and debts.

Adding beneficiaries: Once you have children, you may want to add them as beneficiaries to your life insurance policy. This ensures that the benefit payout will go to your children if you die.

Estate planning: Having children may prompt you to consider estate planning. This could ensure your assets are distributed according to your wishes. Life insurance could be a part of your estate plan. Providing financial support for your children and protecting your assets.

Term vs. Whole of Life: If you previously had term life insurance, you may want to consider converting to a whole of life policy once you have children. Whole of life insurance is lifelong coverage. It could also have added benefits such as a cash value component. You can use this for retirement or other expenses.

Health conditions that may affect your coverage

Insurance can be a confusing field. There are multiple things companies consider when deciding your eligibility and premium cost. A key factor is your medical history and any pre-existing conditions you have. Insurers might also look at your family medical history to see if you have any genetic conditions that might affect your coverage.

What conditions may result in higher premiums?

  • Cancer: Having a history of cancer or have a family history of cancer.
  • Heart disease: Having a history of heart disease, high blood pressure, or other cardiovascular conditions.
  • Diabetes: This pre-existing condition poses a wide range of health risks.
  • Weight: People who are overweight could be more predisposed to other conditions.
  • Mental health conditions: A history of mental health conditions, such as bipolar, depression or anxiety.
  • Autoimmune disorders: Autoimmune disorders, such as lupus, rheumatoid arthritis, or multiple sclerosis.

Although these conditions could affect your life insurance policy, every case is unique. Concerned about how your health might impact your policy? Get in touch with one of our agents today to talk about your options.

Getting life insurance for women over 50

You might have seen life insurance marketed towards women between 50 and 70 and wondered how it is different. There are a few differences between an over-50s plan compared to any other life stage.

  • Age: As you get older, the cost of life insurance typically increases. This is because the risk of mortality rises with age.
  • Health: Women over 50 may have pre-existing medical conditions. Health issues such as diabetes, high blood pressure, and heart disease are more common as we age. Insurance companies may view these conditions as higher risk.
  • Beneficiaries: As women get older, their dependants and beneficiaries may change. You may want to name grandchildren or other family members as beneficiaries.

Is there a ‘best age’ to get a life insurance policy?

There is no ‘best age’ to get life insurance. Most insurers require you to be over the age of 18 as standard. Financial experts say that you should get a life policy before the age of 35. Why is that?

Premium payments may be cheaper before that age. You could choose a fixed-rate premium depending on the options provided by your insurer. As you reach your 40s and 50s – which is typically when life insurance goes up due to increased health risks – you won’t have to worry about the cost changing.

At any life stage, life insurance offers peace of mind that, during difficult times, your loved ones will receive a payout if you die. If you did not get life insurance before the age of 35 – do not worry. You may still get affordable policies with over 50s plans.

nowsure caters to everyone, we believe that getting protection should be inclusive and available to anyone – regardless of your age, gender, or life circumstances.

Chat today with one of our agents and explore the type of life insurance policies you could get.

FAQs: All your questions about life insurance answered

Do I need life insurance if I am a single woman?

Individuals can take out a single policy, this is the opposite to a joint policy as it covers one person. Here are things to consider if you are single and looking to take out a life insurance policy:

  • Dependents: If you have dependents such as children, elderly parents, or siblings who rely on you financially, life insurance might provide a financial safety net in case something were to happen to you.
  • Debts:If you have outstanding debts, such as a mortgage or loans, life insurance might help your loved ones pay off those debts.
  • Final expenses: If you do not have savings set aside to cover final expenses such as funeral costs, life insurance might help cover these expenses and prevent your loved ones from having to bear the financial burden.

If none of these circumstances applies to you, then you may not need life insurance if you are single. This could change in the future. It is important to reassess your goals regularly to decide whether your insurance needs have changed.

Unsure if you need life insurance? Contact nowsure today and find out what policies are available to you – we are here to help but the choice is yours. We’ll provide you with clear, straightforward information and answer any questions you might have.


When should I take out life insurance?

The best time to take out life insurance is completely subjective. Some may choose to take out a policy once they have dependants, others choose to get coverage the moment they turn 18 – the choice is yours. This could be when you get married, have children, or take on other financial responsibilities such as buying a home or starting a business.

The decision to take out life insurance should be based on your individual circumstances and financial goals. Life insurance is about looking after those you would leave behind if you died. Life events such as marriage, parenthood, buying a home or starting a business can be the trigger.

Our services at nowsure can help you to evaluate your insurance needs and find the right policy for you and your budget at no extra cost.


What amount of life insurance do I need?

The size of the life cover you need depends on factors, such as your financial obligations and goals, your age, your health, and your family situation. When deciding the level of cover you need, consider:

  • Income replacement: If you have dependents who rely on your income, consider the payout amount that would cover your family and final expenses.
  • Debts: You may want to consider coverage that is at least equal to the number of your outstanding debts. Mortgages and bank loans are often sizable debts worth factoring in.
  • Education expenses: If you have children, you may want to factor in the cost of their education.
  • Final expenses: Funeral costs, which can surprisingly be very costly, should be considered.
  • Future financial goals: Financial goals may include retirement or leaving an inheritance.

Need something more specific? Calculate your coverage needs with nowsure’s handy life insurance cover calculator.


Can a pregnant woman get life insurance?

Yes, pregnant women can get life insurance. If you are getting life cover whilst pregnant, disclose the pregnancy to the insurer as this is information about your health status.

If you are in good health and in the early stages of pregnancy, you may be able to obtain life insurance coverage with no restrictions or limitations. However, if you have had certain health conditions or are in the later stages of pregnancy, you may face limitations or higher premiums.

Some insurance companies may need a medical exam as part of the underwriting process, which can include a review of medical history and current health status. Additionally, life insurance policies typically have a waiting period before coverage takes effect, so it is important to plan accordingly.


Is Joint life insurance a cheaper choice?

Joint cover is tailored to cover two individuals, typically a couple. Joint cover offers a single policy paid for through monthly instalments. This consolidated approach can be a more cost-effective choice.


Get a no-fuss life insurance quote from nowsure today

We have a team of agents ready to provide expert guidance to help you reach an informed decision about your life insurance. Contact us today or call us at 0800 033 4187.

Choosing the right life insurance policy for you

Choosing the right life insurance policy can seem like a daunting task. There are many different types of life insurance policies and each one has unique advantages and disadvantages.

The main goal of life insurance is to provide your family with financial support in the event that something happens to you. It's important to understand what kind of coverage you need in order to properly assess which type of policy would be best for your situation.

1. Assess your needs

You need to assess your, and your family's needs to determine what type of coverage will suit you best. There are several ways to figure out how much life insurance your family needs, but one thing is certain - the more prepared you are financially, the less likely it is that your family will be left without any sort of financial support after your death.

2. Calculate your affordability

Before you decide on a life insurance policy, it's important to calculate your budget. After all, if your outgoings are already high, a term policy may be more cost-effective than a permanent policy. However, a whole life policy may be more convenient due to the consistent premium amount, as this may enable you to budget more efficiently. 

3. Think about any pre-existing conditions

First, things first, don’t let any pre-existing conditions put you off applying for life insurance. There are hundreds of options out there, and it’s our job to help you find a policy that works. It’s vital that you are 100% honest and open about any medical conditions, as providers may make your claim invalid if you withhold any information. 

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.