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If you're interested in purchasing life insurance, a term policy may be your most affordable option.
While you won't get lifelong or any cash value advantages, a term policy can protect your family in the event of your untimely death in your prime earning years.
Of the 12 life insurance companies with term life policies available to consumers without an intermediary, our analysis determined that the best life insurance company is tied between Aviva and LV=. We researched and compared several key factors in choosing a life insurance company, such as price, policies, standard cover, add-on cover, the application process, the company’s financial strength and customer satisfaction.
Aviva
Aviva is tied for the No.1 spot on our Best Term Life Insurance Companies of 2023 rating. The insurer offers level term, decreasing term and indexed term policies, as well as over 50s, critical illness and income protection policies. Its indexed term life insurance offers the option to tie increases in cover to the Consumer Prices Index (CPI), with a maximum annual increase of 10%. Be aware that by selecting this option, monthly premiums can also go up each year at 1.5 times the rate of the CPI increase to a maximum of 15% each year.
Lv
LV= is a member-owned insurance company that offers a choice of term life, critical illness and income protection options. Term insurance is offered on a level, decreasing or indexed basis and can be combined with critical illness cover. LV= stands out from the competition by directly selling the most policies of any company in our ranking. Though the company has a slightly lower financial rating than some of its competitors, LV= is still considered to be a reputable company with a long history dating back to 1843.
Vitality
At
Vitality, the primary focus is to promote healthier, happier lifestyles
through its shared-value insurance model. If you are looking to get fit
and improve your health, Vitality offers discounts and rewards for your
success. However, failure to maintain that healthy lifestyle could
leave you paying more.
In
addition to its broad term life insurance offerings, Vitality is the
only company in our rankings that will directly sell whole of life
insurance to consumers.
Zurich
Zurich
UK is most suitable for individuals interested in a quick process to
obtain a low level of term life cover. Higher levels of coverage, as
well as critical illness and income protection quotes, will likely
require the assistance of an agent. Zurich does not offer whole life
insurance in the UK, though term life insurance policies can cover
individuals up to age 89.
Policies: Term life (level, decreasing & indexed), critical illness, income protection
Coverage Limits: The
company has limited cover offerings, with no directly available
lifetime policies and a maximum term of 50 years. While the company
confirms it offers a maximum cover of £43 million, individuals
interested in cover over £500,000 may need to go through a more
complicated application process with an agent.
Royal London
With over 160 years of experience, Royal London is a mutual insurance company that offers a range of financial services, including pension and investment, with two primary life insurance policies covering United Kingdom customers aged 18 to 70. This company is best suited for individuals interested in quickly obtaining level or decreasing term life insurance of up to £750,000. Beyond these two low-level policies, the company will require you to obtain a financial adviser to explore higher-level policy options.
Legal and General
Legal
& General, founded in 1836 by six lawyers from London, offers a
host of products and services, including life insurance, pension,
retirement and investment solutions. Today the company claims to serve
more than 1.5 million customers. The financial services provider goes
beyond life insurance as part of its range of insurance products,
including critical illness cover, income protection and business
protection.
The
online application process is notable because coverage starts from the
point of application, with individuals may obtain coverage in only 20
minutes.