You can request life insurance quotes online by entering details such as your age, health, smoking status, occupation, cover amount and policy term. Comparing quotes can help you see differences in premiums and features, but the initial price may change after the insurer assesses your application. Check what is covered, including exclusions, medical questions and whether the policy pays a lump sum or has additional benefits. Before buying, confirm that the provider or adviser is FCA-authorised and read the policy documents carefully.