Before requesting quotes, note your age, smoking status, health history, occupation, desired cover amount and policy term, as insurers may assess these differently. Check whether you need level-term, decreasing-term or whole-of-life cover, and compare premiums, exclusions, medical questions and policy features rather than price alone. Confirm how the policy would pay out, whether premiums are guaranteed or reviewable, and who the beneficiaries are. For help with suitability or trusts, consider speaking to an FCA-authorised adviser and read the provider’s policy documents carefully.