Compare providers based on the cover offered, policy terms, exclusions, premiums and how clearly they explain the application and claims process. Check that the insurer is authorised by the Financial Conduct Authority (FCA), and consider its financial strength and reputation for customer service. Be accurate and complete when answering health and lifestyle questions, as this information can affect underwriting and future claims. If your circumstances are complex, consider speaking to an FCA-authorised financial adviser before choosing a policy.