Start by deciding who would need financial support, how much cover may be needed for debts and living costs, and how long it should last. Compare suitable policy types, such as term life insurance or whole-of-life cover, and check whether premiums are level or can change. Quotes can vary with your age, health, smoking status, occupation, lifestyle and the amount and length of cover, so answer application questions accurately. Compare exclusions and policy documents carefully, and consider using an FCA-authorised broker or financial adviser if you are unsure which option fits your circumstances.