When comparing life insurance quotes in Birmingham, look beyond the monthly premium and check the cover amount, policy term, exclusions, index-linking and whether premiums are guaranteed or reviewable. Prices can vary according to your age, health, smoking status, occupation, lifestyle, cover amount and policy length; postcode may be considered by some providers, although it is not usually the main factor for life cover. Give each provider accurate, consistent information, as omissions could affect a future claim. Use an FCA-authorised insurer or broker, and consider regulated advice if you are unsure whether level, decreasing or family-income-benefit cover fits your needs.