To find affordable life insurance in the UK in 2026, compare quotes from FCA-authorised providers and check the cover amount, policy term and exclusions, not just the monthly premium. Your age, health, smoking status, occupation and lifestyle can affect the price, so answer application questions accurately; withholding relevant information could create problems with a future claim. Level-term cover may offer predictable premiums, while decreasing-term cover is often considered for a repayment mortgage, but suitability depends on your circumstances. Consider guidance from a regulated financial adviser if you are unsure which type or amount of cover you need.