A life insurance quote usually reflects your age, health, smoking status, occupation, lifestyle, chosen cover amount, policy term and whether you choose term or whole-of-life insurance. Optional features, such as critical illness cover, increasing cover or waiver of premium, can also raise the cost, while payment frequency and policy fees may affect the total. A quote is normally an estimate, and the insurer may change the premium after reviewing your application and medical details. Compare like-for-like cover through an FCA-authorised provider and check the policy exclusions before deciding.