When you compare life insurance quotes, check that each one covers the same amount, policy term and type of cover, such as level or decreasing term insurance. Look beyond the premium and review exclusions, medical questions, exclusions for certain causes of death, and whether premiums are guaranteed or can change. Your health, age, lifestyle and occupation can affect both the price and whether cover is offered, so answer application questions accurately. CompareWise is an independent information site, so check the policy documents and consider using an FCA-authorised adviser or provider if you need personal guidance.