- Our Services
Find a Life Insurance Adviser UK — Free Quotes
Not every insurer accepts every applicant. We match you with an FCA-regulated life insurance adviser who understands your situation — whether you’re over 50, self-employed, or have a pre-existing condition. Free, no obligation, and tailored to you.
- Our Story
What Does a Life Insurance Adviser Actually Do?
Most people search for life insurance online, get a quote from a comparison site, and pick the cheapest option. The problem is, comparison sites don’t ask the right questions — and the cheapest policy isn’t always the one that will actually pay out when your family needs it most.
A life insurance adviser takes the time to understand your situation. Your age, health, occupation, family commitments, mortgage, and financial goals all affect which policy is right for you — and which insurer is most likely to accept your application at a fair premium.
At UK Mortgage Finder, we match you with FCA-regulated life insurance advisers who work across the whole market. They compare policies from dozens of UK insurers, explain the differences in plain English, and recommend the cover that genuinely fits your life — not just the one with the best commission.
The service is completely free. You pay nothing, and you’re under no obligation to proceed with anything.
- OUR SERVICES
Types of Life Insurance Cover We Can Help With
Every situation is different. The advisers we work with cover all major forms of UK life insurance.
Level Term
A fixed lump sum paid out if you die within a set term. Ideal for protecting your family's income or covering a specific financial commitment.
Decreasing Term
Cover that reduces alongside your repayment mortgage. A cost-effective way to ensure your home loan is covered if the worst happens.
Whole of Life
Guaranteed to pay out whenever you die — no expiry date. Often used for inheritance planning or leaving something behind for your family.
Family Income Benefit
Instead of a lump sum, your family receives a regular monthly income. Simpler to manage and often more practical for day-to-day living costs.
Over 50s Cover
Guaranteed acceptance for UK residents aged 50 to 80 — no medical questions asked. Premiums are fixed and the payout is guaranteed.
Critical Illness
Pays out a tax-free lump sum on diagnosis of serious conditions like cancer, heart attack, or stroke. Often added alongside life insurance for broader protection.
Over 50s Life Insurance — What You Need to Know
If you’re over 50, getting life insurance can feel more complicated than it used to. Premiums are higher, some insurers ask detailed medical questions, and policies that seemed straightforward in your 30s look very different now.
The good news is there are products designed specifically for this stage of life. Over 50s plans offer guaranteed acceptance with no medical underwriting — meaning you can’t be turned down based on your health. Premiums are fixed for life, and the payout is guaranteed.
That said, Over 50s plans aren’t always the right choice. Depending on your health and the level of cover you need, a standard term policy or whole-of-life plan may offer better value. The advisers we work with will compare both options and explain exactly what you’d be getting — and what you wouldn’t.
If you’re between 50 and 80 and want to leave something behind for your family or cover funeral costs, we can match you with an adviser who specialises in later-life cover. Free quotes, no obligation.
Got a Pre-Existing Condition? We Still Find You Cover
One of the most common reasons people put off getting life insurance is a pre-existing health condition. Diabetes, heart disease, cancer history, mental health conditions — many people assume they’ll either be declined or face unaffordable premiums.
The reality is more nuanced. Different insurers assess risk differently. One insurer might load your premium significantly for a condition that another barely factors in. Without an adviser who knows the market, you could end up paying far more than you need to — or worse, with a policy that has exclusions you didn’t notice.
The advisers we work with deal with complex medical histories every day. They know which insurers are most likely to offer fair terms for your specific condition, and they’ll help you complete your application accurately — which matters more than most people realise.
Getting a quote costs nothing and doesn’t affect your credit file. Fill in one form and we’ll match you with an adviser who can give you an honest picture of what’s available.
Self-Employed? Protect Your Family Without the Hassle
If you’re self-employed, getting life insurance is just as important as it is for anyone else — arguably more so. There’s no employer death-in-service benefit to fall back on. If something happens to you, your family’s financial security depends entirely on what you’ve put in place yourself.
The challenge is that some insurers treat self-employed applicants differently. Variable income, gaps in trading history, or working through a limited company can all complicate a standard application. Some comparison sites simply aren’t set up to handle it well.
The advisers we work with understand self-employed income. Whether you’re a sole trader, contractor, or limited company director, they’ll find the right cover at the right price — and make sure your application accurately reflects your situation.
Cover can start from just a few pounds a month. Fill in one form and we’ll match you with an FCA-regulated adviser who specialises in protection for the self-employed.
Joint Life Insurance for Couples — Compare Free Quotes
If you and your partner both need cover, a joint life insurance policy can be a cost-effective option. It covers two people under a single policy — typically paying out on the first death, after which the policy ends.
Joint policies are often cheaper than two separate policies, which makes them popular with couples buying a home together or starting a family. But they’re not always the right choice. If you split up, the policy can be complicated to unwind. And because it only pays out once, the surviving partner is left without cover at a time when they may need it most.
Whether joint or separate cover is better for you depends on your circumstances, your mortgage, and your long-term plans. The advisers we work with will talk through both options and give you an honest recommendation — not just the cheaper quote.
Decreasing Life Insurance — Perfect for Mortgage Protection
If your main reason for getting life insurance is to cover your mortgage, decreasing term cover is worth considering. Unlike a level term policy that stays fixed, the payout on a decreasing policy reduces over time — in line with your outstanding mortgage balance.
Because the potential payout decreases, premiums are typically lower than a level term policy of the same initial value. It’s a straightforward, cost-effective way to make sure your home loan is covered if you die before it’s paid off.
It’s worth noting that decreasing cover is designed specifically for repayment mortgages. If you have an interest-only mortgage, your balance doesn’t reduce over time — so a level term policy would be more appropriate.
The advisers we work with will look at your mortgage type, remaining term, and family situation before recommending the right policy. Fill in one form and get a free, no-obligation quote today.
- Our Process
Here's how it works — simple, fast, and stress-free.
A streamlined journey designed around you, with expert support every step of the way.
Not sure which is right for you?
Speak to a friendly UK adviser — completely free, with no obligation.
- FAQ
Frequently asked questions
Is the life insurance quote service really free?
Yes, completely free. We match you with an FCA-regulated adviser at no charge. If you choose to proceed, the adviser is paid by the insurer — never by you.
Will applying affect my health or credit record?
No. Getting matched and receiving a quote involves no medical checks and no credit search. These only happen if you choose to proceed with a full application.
Whole of life vs term — which is better?
It depends on what you need the cover for. Term insurance is cheaper and covers a set period — ideal for mortgage protection or income replacement. Whole-of-life is guaranteed to pay out whenever you die, making it better suited to inheritance planning. An adviser will recommend the right option for your situation.
Can I get cover with a pre-existing condition?
Yes, in most cases. Different insurers assess medical history differently. The advisers we work with know which insurers are most likely to offer fair terms — and will help you apply accurately.
How much life insurance do I need?
A common starting point is 10x your annual income, plus enough to cover your outstanding mortgage. But the right amount depends on your family situation, debts, and financial goals. Your adviser will help you work this out properly.
Can I add critical illness cover to my life insurance?
Yes. Critical illness cover can be added alongside most life insurance policies. It pays out a tax-free lump sum if you’re diagnosed with a serious condition like cancer, heart attack, or stroke — providing financial support while you’re still alive.