A life insurance quote usually reflects the type and amount of cover, policy length, your age, health, smoking status, occupation and lifestyle. Premiums may be paid monthly or annually, and some policies include optional features that increase the price, such as critical illness cover or indexation. Insurers assess these details differently, so comparing quotes on the same cover basis is important; the cheapest option may not provide the most suitable protection. Check the policy wording carefully and, if needed, seek guidance from an FCA-authorised insurance adviser.