When comparing life insurance in the UK in 2026, consider whether you need level-term, decreasing-term or whole-of-life cover, and how much your dependants might need for debts, living costs and future expenses. Check the policy’s exclusions, premium structure, term length and whether the cover keeps pace with inflation, as these features vary between providers. Your application may involve health, lifestyle and occupation questions, and the insurer will decide whether to offer cover and on what terms. Compare FCA-authorised providers and consider speaking to a regulated financial adviser if your circumstances are complex.