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Expertly compared by David Allan

Products Updated April 20, 2018

Guaranteed Life Insurance

If you are interested in guaranteed life insurance or would like to find out what cover options are available to you then our approved experts and providers can help.

FREE life insurance advice and comparison. Our experts can help find you a great deal from providers across the whole marketplace:

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All credit types
Rated 4.8/ 5

Lifes Great

Provider
Lifes Great

Products
Life Insurance

Speciality
Compares The Market

Whether you are looking for a cash lump sum payout or decreasing term mortgage life insurance, Lifes Great can provide you with a quote and a recommendation in under a minute. Free to use and you are under no obligation to proceed with any quote given.

Available via broker only
All credit types
Rated 4.7/ 5

Friends Life

Provider
Friends Life

Products
Life Insurance

Speciality
Life Insurance

Friends Life is now part of the Aviva Group. Get the cover you need to protect your family and loved ones when you're no longer around.

Available via broker only
All credit types
Rated 4.2/ 5

Zurich

Provider
Zurich Life Insurance

Products
Life Insurance

Speciality
Life Insurance

Zurich Life Insurance will pay out a cash sum if you die during the term of the policy, or if you are diagnosed with a terminal illness and are expected to live for less than 12 months. Plans can be tailored with optional extras to suit your individual requirements and to provide added peace of mind.

Learn More Available via broker only
All credit types
Rated 4.6/ 5

Vitality

Provider
Vitality

Products
Life Insurance

Speciality

If the worst should happen, or you can’t work because of illness or injury, Vitality Life's 5-star Defaqto award-winning range of protection products will give you or your family payments to make things easier.

Available via broker only
All credit types
Rated 4.6/ 5

Legal & General

Provider
Legal & General

Products
Life Insurance

Speciality
Life Insurance

Life cover or life assurance helps you to financially protect the future of your loved ones. Life Insurance from Legal and General offers reassurance that your loved ones or family will still be looked after financially should the worst happen.

Available via broker only
All credit types
Rated 4.5/ 5

LV

Provider
Liverpool Victoria

Products
Life Insurance

Speciality
Life Insurance

Life insurance from Liverpool Victoria will pay a lump sum should the worst happen, so you will have peace of mind that your family and loved ones will be financially protected when you’re no longer here. Even superheroes need protection.

Available via broker only
All credit types
Rated 4.5/ 5

Royal London

Provider
Royal London

Products
Life Insurance

Speciality
Life Insurance

With a policy in place with Royal London , you can leave money to your loved ones when you pass away, to help protect your family financially. Get a free quote or apply online.

Available via broker only
All credit types
Rated 4.6/ 5

Ageon

Provider
Ageon Life Insurance

Products
Life Insurance

Speciality
Life Insurance

Ageon is here to help you reach your goals at every stage of your life. Part of that involves putting plans in place to adequately protect and insure you against the unexpected things in life.

 

FAQ's

What is guaranteed life cover?

With guaranteed acceptance life insurance you cannot be refused cover. It works in this way because there is a set limitation period for any benefit claim. However, in most cases if you were to die within that agreed term time the family would receive a pay out of the premiums paid unless you died as a result of an accident.

These alternative policies such as guaranteed acceptance life insurance have become available because not everyone is in good health or has a low risk occupation.

How does it work?

Guaranteed acceptance life insurance policy works with a guaranteed acceptance, no medical examination and limited, if any medical questions. This ensures the process is simple and quick so you can receive a pay out if happened to you, providing your death is not related to your current medical condition.

The policy pays out a guaranteed lump sum when you die, whenever that happens. There are limited, if any medical questions so acceptance is guaranteed.

With guaranteed acceptance you and your family are protected for the term time chosen by you. This will give you peace of mind so if the worst was to happen to you, your mortgage and any debts are covered meaning your family will not be left to struggle to meet monthly payments and left contemplating having to move home.

What are the features?

  • Guaranteed acceptance ensuring you have sufficient cover in place.
  • Fixed Benefit pay out amount
  • Terminal illness benefit, this would help should your circumstances change due to an illness. Taking pressure off your family.
  • Covers your bills, peace of mind to know that there is a safety net should the policy holder pass away.
  • A quick and easy process, so you can purchase the policy from the comfort of your own home.

What are the benefits?

  • No health questions- Giving you peace of mind if you were worried about a possible trip to the doctors in order to have an insurance policy.
  • Guaranteed premium rates that do not increase, this ensures that the policy holder is fully aware of how much the cover costs per month.
  • Continuous insurance cover for life, once you feel you have the relevant cover, you will not be required to go through that process again.
  • Simple and quick, acceptance guaranteed, this helps it to be a stress free process
  • No medical examination – This ensures the policy holder does not have to go through the stress and hassle that comes with having to visit the doctor which means cover can be purchased from the comfort of your own home
  • Cover that suits your needs- You will be well aware of what is covered and its specific needs
  • Affordable cover, this means you will have the relevant cover in place that suits your needs at a cost that also suits you.
  • Quick payout, this means that the cash benefit amount will be with your loved at a time when they need it most.

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