Whether you need life insurance depends on your circumstances, not simply the price. It may be worth considering if someone relies on your income, you have a mortgage or other debts, or you want to help cover funeral costs; you may need less cover if you have substantial savings or existing employer benefits. A cheaper policy can still be suitable, but check the cover amount, term, exclusions and whether premiums are guaranteed or reviewable. Compare policies from FCA-authorised providers and consider regulated financial advice if you are unsure.