A life insurance quote is an estimate of the premium you may pay for a chosen level and type of cover, such as term or whole-of-life insurance. Providers usually consider factors including your age, health, lifestyle, occupation, cover amount and policy length, so quotes can vary considerably. A quote is not a guaranteed price or acceptance decision; the provider may review your application and medical information before confirming terms. Compare policies on what they cover, exclusions and premiums, and check that any provider or adviser is FCA-authorised.