Start by working out how much cover your dependants may need, how long it should last and whether level or decreasing cover suits your circumstances. Get like-for-like quotes from several insurers or through an FCA-authorised broker, comparing the cover, exclusions, policy term and premium rather than choosing the lowest price alone. Answer health, lifestyle and occupation questions accurately, as missing information could affect a future claim and may change the final quote after underwriting. Read the policy documents carefully and check the provider on the FCA Register before applying.