The cheapest life insurance policy is not necessarily the most suitable, so compare the cover amount, policy term, exclusions and premium type as well as the price. Term life insurance is often less expensive than whole-of-life cover, while factors such as your age, health, smoking status, occupation and the amount insured can affect premiums. Answer applications accurately, because missing or incorrect information could affect a future claim. Compare quotes from FCA-authorised providers and consider speaking to a regulated adviser if you are unsure how much cover your circumstances require.