Start by working out how much cover your dependants might need, including debts, household costs and the length of the policy. Compare like-for-like quotes, checking whether you need level-term, decreasing-term or whole-of-life cover, and provide accurate health and lifestyle information. Look beyond the premium for exclusions, policy features and whether the amount insured keeps pace with your needs; the cheapest quote is not necessarily the most suitable. Before applying, check that any broker or insurer is FCA-authorised, and consider speaking to a regulated adviser if your circumstances are complex.