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Best life insurance UK 2026: how the insurers compare

There’s no single best insurer for everyone. Of the 41 we compare, only Beagle Street, Scottish Widows and Vitality meet all three published measures we track. Each has a 5-star Defaqto rating, 99% or more of claims paid and a Trustpilot score of 4.5 or more.

Life Cover Quotes editorial team Updated

General information, not advice. If you ask for quotes, we pass your details to our broker partner, who pays us an introductory fee only.

A couple comparing two printed quotes at the kitchen table
  • Aviva
  • Legal & General
  • Zurich
  • Vitality
  • The Exeter
  • Royal London
  • LV=

Which is the best life insurer in the UK?

A couple comparing two printed quotes at the kitchen table

The best insurer for you is one that covers what you need, fits your budget and pays out when your family claims.

Three published measures show how each company performs: Defaqto product ratings, the share of claims paid and Trustpilot reviews. The sections below take each measure in turn, and our table compares all 41 insurers from A to Z.

Ratings don’t tell you what you’ll pay. Your premium depends on your age, health, lifestyle, smoking, family medical history, job and policy length.

Which life insurers have a 5-star Defaqto rating?

12 of the 41 insurers we compare have at least one level term policy rated 5 stars by Defaqto.

Defaqto scores individual products from 1 to 5 stars. A rating belongs to one policy, not the whole insurer. Check the policy on your quote, as a 5-star version may only be sold through advisers.

Over 50s plans are rated in a separate category, so providers that only sell over 50s cover have no level term rating.

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Who needs cover?

£150,000
25 years

Have you smoked in the last 12 months?

Our broker partner Reassured is rated Excellent on Trustpilot (opens in a new tab): 4.8 out of 5 from 105,367 reviews (checked 2 October 2026).

Over 1 million families helped**

Which life insurers pay out the most claims?

Of the large insurers below, Zurich paid the highest share of life claims in 2025 at 99.8%. Aviva paid the largest total: £861 million across 40,277 life and terminal illness claims.

Most claims are paid. Across the industry, insurers paid 97.9% of individual protection claims in 2025, and ABI members paid over £4 billion across 50,499 life claims in 2024.

Life claims paid in 2025 by large UK insurers
Insurer Life claims paid Share paid What the figure covers
Aviva £860.7 million 98.7% Individual life and terminal illness claims; the share is for life claims
Legal & General £527 million 97.5% Life and over 50s claims
LV= Over £80 million 98% Life claims
Royal London £326 million 94.2% Term life and terminal illness claims; the share is for term life. Whole of life claims were another £282 million
Scottish Widows £127 million 99% Life claims
Vitality £105 million 99.4% Life Cover claims
Zurich £228.6 million 99.8% Life protection claims

Each insurer’s own 2025 claims figures. They aren’t all measured the same way, so compare them with care.

The common reasons a claim is turned down are a medical condition that wasn’t disclosed, or a claim that didn’t meet the policy definitions. In 2025, 24 of the 29 claims Guardian couldn’t pay were declined for misrepresentation. At Scottish Widows, 69% of the 229 unpaid claims that year were due to missing or incorrect information.

A small gap between two percentages matters less than how you apply. Insurers must ask all the relevant questions they need. They can’t reject your claim if you took reasonable care to answer honestly and to the best of your knowledge.

Which life insurers have the best customer reviews?

10 insurers score 4.5 or more out of 5 on Trustpilot from over 1,000 reviews.

A Trustpilot profile covers the whole company, not just life insurance. LV=’s includes car, home and pet insurance, while NatWest’s covers its banking customers too.

Compare life insurers

These are the 41 insurers and brands we’ve reviewed, from A to Z: first the insurers that provide their own policies, then the banks, retailers and other brands that sell another insurer’s. It isn’t a ranking. Filter by cover type, sort by a rating, or follow any name to our review.

Many banks and retailers sell cover provided by another insurer. TSB’s policies, for example, are provided by Legal & General.

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Insurers, listed alphabetically
Insurer Defaqto (level term) Claims paid Trustpilot Age to apply Terminal illness cover Free gift now
Aviva Term, over 50s, whole of life, critical illness, income protection, joint 5 stars 98.7% (2025) Life claims 4.3 / 5 65,316 reviews 18–77 Life Insurance Plan Included Yes Amazon.co.uk gift card, Over 50s plans bought direct
Forester Life Term, critical illness, joint 3 stars No figure published 4.6 / 5 1,092 reviews, as Foresters Financial Under 80 at the start Personal Insurance; Mortgage Protection Included With Life Benefit No offer found
HSBC Life 4 stars 97.53% (2024) Life claims 2.8 / 5 3 reviews, as Chesnara Life Closed to new customers Included HSBC Life Cover No offer found
Legal & General Term, over 50s, whole of life, critical illness, income protection, joint 5 stars 97.5% (2025) Life and over 50s claims 4.3 / 5 34,336 reviews 18–77 (18–74 decreasing) Life Insurance; Decreasing Life Insurance Included Terms of two years or more Yes Gift card
LV= Term, critical illness, income protection, joint 5 stars 98% (2025) Life claims 4.5 / 5 86,748 reviews 17–84 Life Protection Included Yes E-gift card, online applications
National Friendly Term, over 50s, whole of life, income protection, joint 3 stars 100% Over 50s Life Cover claims, no period given 4.3 / 5 648 reviews 18–77 Friendly Life Cover (through advisers) Included Friendly Life Cover No offer found
OneFamily Over 50s, whole of life No level term rating 99.5% (2025) Family Assurance’s protection claims 4.1 / 5 4,538 reviews 50–80 Over 50s Life Cover After two years Over 50s Life Cover Yes E-gift card, phone applications
Royal London Term, whole of life, critical illness, income protection, joint 5 stars 94.2% (2025) Term life claims 4.6 / 5 6,847 reviews 18–88 Personal Menu Plan Life Cover (through advisers) Included No offer found
Scottish Friendly Over 50s, whole of life No level term rating 98.47% (2025) Life claims, as quoted by Post Office 3.8 / 5 3,192 reviews 50–74 My Mutual Guaranteed Over 50s Plan Not stated Yes Gift voucher
Scottish Widows Term, critical illness, income protection, joint 5 stars 99% (2025) Life claims 4.6 / 5 17,404 reviews 18–79 (Scottish Widows Protect); 18–59 (Plan & Protect) Scottish Widows Protect; Plan & Protect Included Scottish Widows Protect Yes 12 months of Disney+
Shepherds Friendly Over 50s, whole of life, income protection No level term rating 100% Over 50s claims, no period given 4.1 / 5 972 reviews 50–80 Over 50s Life Insurance Not stated Yes Love2shop voucher
SunLife Over 50s, whole of life No level term rating 100% SunLife’s statement, no period given 4.8 / 5 27,717 reviews 49–85 Guaranteed Over 50 Plan Not stated Yes Gift card
The Exeter Term, income protection, joint 5 stars 95% (2025) Life claims 4.0 / 5 1,475 reviews 18–80 Real Life Included No offer found
Vitality Term, whole of life, critical illness, income protection, joint 5 stars 99.4% (2025) Life claims 4.6 / 5 68,866 reviews 16–74 Personal Protection Plan: Term Life Cover Included No offer found
Zurich Term, whole of life, critical illness, income protection, joint 5 stars 99.8% (2025) Life claims 3.1 / 5 3,472 reviews 18–83 Zurich Life Protection Included Yes Gift vouchers
Banks, retailers and other brands, listed alphabetically
Insurer Defaqto (level term) Claims paid Trustpilot Age to apply Terminal illness cover Free gift now
Assura Protect Provided by OneFamily
Term, critical illness		 3 stars 99.5% (2025) Family Assurance’s protection claims 4.9 / 5 525 reviews 18–69 Dividend Term Life Included Dividend Term Life No current offer confirmed Amazon voucher terms published; value varies
Assurity Provided by National Friendly
Over 50s, whole of life		 No level term rating No figure published No Trustpilot profile found 50–80 (smokers 50–75) Over 50s Whole of Life Not stated No offer found
Bank of Scotland Provided by Scottish Widows
Term, critical illness, income protection, joint		 2 stars 99% (2025) Scottish Widows’ life claims 1.5 / 5 1,101 reviews 18–59 online Scottish Widows Plan & Protect Life Cover Included by phone Scottish Widows Protect Yes 12 months of Disney+
Barclays Provided by Legal & General
Term, critical illness, joint		 3 stars 97.5% (2025) Legal & General’s life claims 4.1 / 5 25,717 reviews 18–74 Simple Life Insurance; Life insurance for mortgage protection Included Terms of two years or more Yes Cash reward for Barclays customers
Beagle Street Provided by OneFamily
Term, critical illness, joint		 5 stars 99.5% (2025) Family Assurance’s protection claims 4.5 / 5 4,734 reviews 18–77 Life Insurance Included Yes Gift card and soft toy
Best Insurance Provided by Shepherds Friendly
Term, income protection		 2 stars No figure published 3.8 / 5 95 reviews 18–60 Best Insurance Life Insurance Included No offer found
Blueberry Life Provided by Shepherds Friendly
Term		 3 stars No figure published Unavailable Breach of Trustpilot guidelines 18–65 Blueberry Life Insurance Included Yes Amazon gift card or glucose sensor
British Seniors Provided by Aviva
Over 50s, whole of life, joint		 No level term rating 100% (2025) British Seniors claims, paid by Aviva 4.9 / 5 38,652 reviews 50–80 Over 50s Life Insurance Not stated Yes Gift card
Co-op Insurance Provided by Legal & General
Term, over 50s, whole of life, critical illness, joint		 No level term rating 97.5% (2025) Legal & General’s life and over 50s claims 4.4 / 5 4,597 reviews 18–77 Life Insurance Included Terms of 2 years or more Yes Gift card or cheque
Guardian Provided by Scottish Friendly
Term, critical illness, income protection		 5 stars 87% (2025) Life Protection claims 3.9 / 5 17 reviews 18–64 Life Protection; Life Essentials Included No offer found
Halifax Provided by Scottish Widows
Term, critical illness, income protection, joint		 2 stars 99% (2025) Scottish Widows’ life claims 1.7 / 5 6,382 reviews 18–59 online Scottish Widows Plan & Protect Life Cover Included by phone Scottish Widows Protect Yes 12 months of Disney+
Lloyds Bank Provided by Scottish Widows
Term, critical illness, income protection, joint		 2 stars 99% (2025) Scottish Widows’ life claims 4.0 / 5 12,671 reviews 18–59 Scottish Widows Plan & Protect Life Cover Included by phone Scottish Widows Protect Yes 12 months of Disney+
National Assurance Provided by National Friendly
Over 50s, whole of life, income protection		 No level term rating No figure published No Trustpilot profile found 50–80 (smokers 50–75) Simple Over 50s Life Product Not stated Yes Free will
Nationwide Provided by Legal & General
Term, critical illness, income protection, joint		 3 stars 97.5% (2025) Legal & General’s life claims 3.4 / 5 10,350 reviews 18–77 (18–74 decreasing) Family life insurance; mortgage life insurance Included Terms of two years or more Yes Gift card
NatWest Provided by Aviva
Term, over 50s, whole of life, critical illness, joint		 3 stars 98.7% (2025) Aviva’s life claims 1.4 / 5 8,599 reviews 18–77 Life Insurance Plan Included Yes Love2shop e-gift card
NFU Mutual Provided by Aviva
Term, whole of life, critical illness, income protection, joint		 5 stars 98.7% (2025) Aviva’s life and terminal illness claims 4.0 / 5 6,788 reviews 18–89 Aviva Life Insurance+ Included Aviva Life Insurance+ No offer found
Octopus Legacy Provided by Shepherds Friendly
Term		 2 stars No figure published 4.9 / 5 4,168 reviews 18–60 Octopus Legacy Life Insurance Included No offer found
Post Office Provided by Scottish Friendly
Term, over 50s, whole of life, critical illness, joint		 3 stars 98.47% (2025) Scottish Friendly’s life claims 1.8 / 5 3,974 reviews 18–70 Post Office Life Insurance Included Yes Gift card or experience
Royal Bank of Scotland Provided by Aviva
Term, over 50s, whole of life, critical illness, joint		 3 stars 98.7% (2025) Aviva’s life claims 1.3 / 5 396 reviews 18–77 Life Insurance Plan Included Yes Love2shop e-gift card
Sainsbury’s Provided by Legal & General
Term, over 50s, whole of life, critical illness, joint		 4 stars 97.5% (2025) Legal & General’s life claims 4.2 / 5 17,326 reviews 18–77 (18–74 decreasing) Life Insurance; Decreasing Life Insurance Included Terms of two years or more Yes Nectar points
Santander Provided by Aviva
Term, over 50s, whole of life, critical illness, joint		 3 stars 98.7% (2025) Aviva’s life claims 3.6 / 5 12,642 reviews 18–77 Life Insurance Plan Included Yes Cashback
Smart Insurance Provided by Scottish Friendly
Term, over 50s, whole of life, critical illness, joint		 3 stars No figure published 4.9 / 5 10,055 reviews 18–64 Smart Family Life Insurance (Level option) Included Smart Family Life Insurance Yes Gift card
Tesco Insurance Provided by Aviva
Term, critical illness, joint		 3 stars 98.7% (2025) Aviva’s life claims 4.4 / 5 28,597 reviews 18–77 Tesco Life Insurance: Family Protection or Mortgage Protection Included Yes Tesco e-gift card
TSB Provided by Legal & General
Term, over 50s, whole of life, critical illness, joint		 4 stars 97.5% (2025) Legal & General’s life claims 3.8 / 5 27,999 reviews 18–77 (18–74 decreasing) Life Insurance; Decreasing Life Insurance Included Terms of two years or more Yes E-gift card
Ulster Bank Provided by Aviva
Term, over 50s, whole of life, critical illness, joint		 3 stars 98.7% (2025) Aviva’s life claims 1.3 / 5 278 reviews 18–77 Life Insurance Plan Included Yes Love2shop e-gift card
Virgin Money Provided by OneFamily
Term, critical illness, joint		 5 stars 99.5% (2025) Family Assurance’s protection claims 3.1 / 5 13,362 reviews 18–77 Family & Lifestyle Life Insurance Included Yes Cashback

Listed alphabetically, not ranked: sorting by a rating only reorders the rows by that measure. Compiled on 3 October 2026 from our insurer reviews; ratings, scores and offers were checked on 24 September 2026, 25 September 2026 and 3 October 2026. A dash means we found no published figure, rating or offer.

How we put the table together

Defaqto. The highest rating any of the insurer’s products has in Defaqto’s level term category.

Claims paid. The latest figure each insurer published, with its year and scope. The scope varies: Aviva includes over 50s, Royal London reports term life and Beagle Street’s underwriter combines all protection claims. Banks and retailers usually show their underwriter’s figure, as Santander does with Aviva.

Ages, terminal illness and gifts. Entry ages and terminal illness cover apply to the policy named in the cell. Gift offers change often, and many apply only if you buy direct: Legal & General’s isn’t available through a financial adviser or a comparison site. Not every broker works with every insurer listed; see our insurer reviews for full details.

How much life insurance do you need?

Add up what your family would need to cover, then take away your savings and any cover you already have.

The amount left to pay

Loans, car finance, credit cards

Your take-home pay

Until children are independent

For future education costs

Our assumption: change it to suit you

Funeral and other one-off costs

Subtracted from total

e.g. death-in-service

Your estimate

£500,000

based on the figures you entered

  • Mortgage £180,000
  • Income replacement £280,000
  • Other debts £8,000
  • Children’s education £40,000
  • Final expenses £4,000
  • Less savings & existing cover −£15,000

£512,000 of costs less £15,000 is £497,000, rounded up to the nearest £5,000.

An on-screen estimate based on the figures you enter. It isn’t a recommendation or a quote.

How it works, with a worked example: Life insurance calculator

Start with the type of cover

Life insurance pays a lump sum or regular payments when you pass away to support your dependants, so it usually makes sense for couples and parents. Term life insurance lasts for a fixed period: choose level term for a fixed payout, or decreasing term, designed for a repayment mortgage (see mortgage life insurance).

Whole of life insurance pays out whenever you pass away if you keep paying the premiums. If you’re over 50, see over 50s life insurance and life insurance for over 60s.

Couples can look at joint life insurance and parents at family life insurance. For cover while you’re alive, see critical illness cover and income protection.

What to compare between policies

Once you know the type of cover you want, compare quotes on the same basis and look past the monthly price.

  • Amount and term
    The cover you need depends on your debts, mortgage or rent, dependants and income. Our life insurance calculator gives a starting figure.
  • Guaranteed or reviewable premiums
    Guaranteed premiums stay fixed. Reviewable premiums can change when the insurer reviews them, although reviewable policies tend to be cheaper to buy.
  • Terminal illness cover
    Many policies let you claim early if you’re expected to live less than 12 months. Check the rules: Legal & General includes it on terms of two years or more.
  • Definitions and exclusions
    Definitions and exclusions vary between insurers, so check what is and isn’t covered before you buy.
  • Optional extras
    Critical illness cover is often combined with life insurance. Waiver of premium costs extra and pays your premiums if illness or injury stops you working.
  • Who receives the money
    A policy written in trust stays outside your estate, helping the payout avoid probate and inheritance tax. See life insurance in trust.
  • One joint policy or two single ones
    A joint policy usually costs less than two single policies, but it pays out only once, on the first death.
  • Free gifts
    Some insurers use gift cards to attract new customers, though Aviva notes its offer can be withdrawn at any time. See life insurance with a free gift.

How to choose a policy, step by step

Compare quotes for the same cover amount and term, and take reasonable care to answer every question truthfully: if you don’t, the insurer might not pay out. Once your policy starts, give your executor the account numbers and contact details, and remember you have 30 days to cancel for a full refund.

You can get quotes from specialist brokers or go direct, though not all insurers sell through comparison sites. Nearly all financial services in the UK must be authorised or registered by the FCA, and you can check any firm on the FCA’s Financial Services Register.

Which life insurer is the cheapest?

None is cheapest for everyone. Each insurer prices your policy on your own details, and decreasing term usually costs less than level term.

A lower quote is only better value if it gives the same cover amount, term and premium type. If you smoke or vape, see life insurance for smokers. For guaranteed acceptance cover at ages 50 to 85, see guaranteed life insurance, or check our guide to the average cost of life insurance.

From £10 per month for up to £280,000*

Example cover amounts by age, for level term cover.

Age 30 · 20 yrs
£289,847
Age 35 · 20 yrs
£173,440
Age 40 · 15 yrs
£123,428
Age 45 · 15 yrs
£81,616
Age 50 · 10 yrs
£59,917
Age 55 · 10 yrs
£34,029
Age 60 · 10 yrs
£18,089
Age 65 · 10 yrs
£11,689
Age 70 · 10 yrs
£7,068

*From £10 per month for up to £280,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

Compare November 2026 life insurance quotes

Fill in one quick form and a broker will call you to compare plans from a panel of UK insurers. Free quotes, no obligation.

From £5 per month for up to £90,000*

Our broker partner Reassured is rated Excellent on Trustpilot (opens in a new tab): 4.8 out of 5 from 105,367 reviews (checked 2 October 2026).

Over 1 million families helped**

Get free quotes

Best life insurance questions

There isn’t one that’s best for everyone. Of the insurers we compare, only Beagle Street, Scottish Widows and Vitality have a 5-star Defaqto rating, 99% or more of claims paid and a Trustpilot score of 4.5 or more. The right insurer for you still depends on the cover you need, your health and the price you’re offered.

Aviva says it’s the UK’s largest life insurance provider, based on its analysis of 2025 company reporting. It paid £861 million across 40,277 life and terminal illness claims in 2025, more than any other insurer in our claims table. Legal & General paid £527 million in life and over 50s claims.

It depends on what the money is for. Level term pays a fixed sum during the term, decreasing term suits a repayment mortgage, and whole of life is often used for inheritance tax planning. Over 50s plans guarantee to pay out, but they aren’t always good value, as you could pay in more than you get out.

Compare quotes on the same basis: the same cover amount, term, policy type and premium type. Check what each policy includes, such as terminal illness cover, and compare the exclusions, which vary between insurers. Because premiums vary, it’s worth getting more than one quote.

Yes, insurers paid 97.9% of individual protection claims in 2025, though they check your medical history when you claim. Common reasons for a declined claim are undisclosed medical conditions and claims that don’t meet the policy definitions.

Not necessarily, so compare the cover and premium first. Gifts have conditions: Aviva’s Over 50s gift card is only available when you buy directly from Aviva. See over 50 life insurance with a free gift for over 50s offers.

Either works: you can get quotes from specialist brokers or buy direct, though not all insurers use comparison sites. Before buying, check the firm on the FCA’s Financial Services Register, which also lists firms the FCA has been told are working without authorisation or running scams.

Yes, and if you’re young or in good health it may be worth seeing if you can get a better deal elsewhere. As you get older or develop health conditions, keeping your existing policy may be cheaper. Never cancel your old policy until the new one is active and the first payment is made, as cancellation is final.

If the insurer was regulated by the Prudential Regulation Authority, the Financial Services Compensation Scheme pays accepted term, whole of life and critical illness claims in full. Full protection for term life and critical illness cover applies where the firm failed on or after 3 July 2015.

Yes, there’s no legal limit on how many policies you can have, and a claim can be made on each one. Insurers may still cap the total cover they’ll offer you. Our guide to having more than one life insurance policy explains when two policies make sense.

This page is for general information only and should not be considered financial advice. The right cover depends on your personal circumstances.

Sources

The facts on this page come from these sources.

  1. Defaqto: Defaqto Star Ratings (Life & Protection) (opens in a new tab) · defaqto.com, accessed 24 September 2026.
  2. Trustpilot: pages on 39 insurers, each listed in our review of that insurer · uk.trustpilot.com, accessed between 24 September 2026 and 3 October 2026.
  3. MoneyHelper: What is life insurance? (opens in a new tab); Why providers might reject your insurance claim – and what to do if this happens (opens in a new tab); How to know what kind of protection insurance you need (opens in a new tab); What is critical illness cover? (opens in a new tab); How to get your finances in order before you die (opens in a new tab) · moneyhelper.org.uk, accessed 26 September 2026.
  4. Association of British Insurers: Protection insurers pay out £7.84 billion to help customers safeguard their finances (2025 claims) (opens in a new tab); Guest opinion: From loss to lifeline - Speeding up bereavement claims (26 June 2026) (opens in a new tab); Record £8bn paid out in vital protection claims during 2024 (opens in a new tab); Term insurance (opens in a new tab) · abi.org.uk, accessed 26 September 2026.
  5. Citizens Advice: Your insurer refuses your claim when you don’t give relevant information (opens in a new tab) · citizensadvice.org.uk, accessed 26 September 2026.
  6. Companies House: pages on 3 insurers, each listed in our review of that insurer · find-and-update.company-information.service.gov.uk, accessed between 25 September 2026 and 3 October 2026.
  7. Financial Conduct Authority: FCA Financial Services Register - Guardian Financial Services Limited (FRN 798072), appointed representative of Scottish Friendly (opens in a new tab); FCA Financial Services Register - Legal and General Assurance Society Limited (FRN 117659), the insurer that provides Nationwide life insurance (opens in a new tab); FCA Financial Services Register - Family Assurance Friendly Society Limited (FRN 110067, mutual society number 939F), underwriter of Virgin Money Life Insurance (opens in a new tab); FCA Mutuals Public Register - Family Assurance Friendly Society Limited (registration number 939F), registered 14 May 1975 (opens in a new tab); MS24/1.3: Structure of the UK pure protection market for retail customers (September 2025) (opens in a new tab); Financial Services Register (opens in a new tab) · register.fca.org.uk, mutuals.fca.org.uk, fca.org.uk, accessed 25 September 2026; 26 September 2026.
  8. legislation.gov.uk: Consumer Insurance (Disclosure and Representations) Act 2012, section 2: Disclosure and representations before contract or variation (opens in a new tab) · legislation.gov.uk, accessed 26 September 2026.
  9. Financial Services Compensation Scheme: Insurance (what FSCS covers) (opens in a new tab) · fscs.org.uk, accessed 26 September 2026.
  10. Aviva: Can you have more than one life insurance policy? (opens in a new tab) · aviva.co.uk, accessed 26 September 2026.
  11. Legal & General: Can you have more than one life insurance policy? (opens in a new tab) · legalandgeneral.com, accessed 26 September 2026.
  12. Insurer documents: Assura Protect, Assurity, Aviva, Bank of Scotland, Barclays, Beagle Street, Best Insurance, Blueberry Life, British Seniors, Co-op Insurance, Forester Life, Guardian, Halifax, HSBC Life, Legal & General, Lloyds Bank, LV=, National Assurance, National Friendly, Nationwide, NatWest, NFU Mutual, Octopus Legacy, OneFamily, Post Office, Royal Bank of Scotland, Royal London, Sainsbury’s, Santander, Scottish Friendly, Scottish Widows, Shepherds Friendly, Smart Insurance, SunLife, Tesco Insurance, The Exeter, TSB, Ulster Bank, Virgin Money, Vitality, Zurich. Each insurer’s policy documents, claims figures and announcements are listed in our review of that insurer.

Guides in this topic

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    Updated Oct 2026
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    Updated Oct 2026
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