Protect what matters most
Helping over 500,000 UK families since 2010 and rated 4.9/5 on Trustpilot
We work with some of the most trusted and loved insurers
Welcome to Protect Line, one of the UK’s most trusted life insurance brokers
Here, you’ll find everything you need to get started, different types of cover, a simple calculator to help you work out how much you might need, and a clear starting point for what cover can cost. Take a look at what’s available, see what feels right for you, and when you’re ready, our friendly team is here to help you every step of the way.
Why think about life insurance?
Most of us don’t like to think about life insurance, it means facing what happens when we’re no longer here. But having cover in place can make a real difference for the people you care about. Ask yourself:
Life insurance pays out a lump sum when you die. Your loved ones can use this money to help with everyday living costs, pay off debts, or cover funeral expenses. It’s a way to put something in place now, so you can get on with living your life today, knowing your family is protected.
What does life insurance cost?
You might be surprised at how affordable life insurance can be. Cover starts from just £5 a month, that’s less than:
It’s a small monthly cost to help protect your family’s future.
Hugo’s helpful notes:
The premium of £5 per month is based on a 30 year old non-smoker with a sum assured of £100,000 and 20-year term.
Price comparison between Starbucks Latte, Netflix Premium, Dominos Pizza and life insurance is illustrative. Life insurance premiums vary based on individual circumstances, and prices are not guaranteed to be less than those compared too. Prices accurate from June 2026.
How much life insurance cover do I need?
Our calculator helps you get a rough idea of how much cover you might need if the worst happens, based on the figures you put in.
Ready to get a free quote and compare your life insurance options?
Ready to get a free quote and compare your life insurance options?
Hear from our customers
Don’t just take our word for it – hear it from our customers, with over 45,000 five‑star reviews.
Nick
I enquired about a life insurance…
I enquired about a life insurance policy. Received a phone call from Matt Burgess who was amazing to deal with throughout the whole process. Talked me through every step and what each type of policy was and the differences were between them.
Highly recommend dealing with Matt.
Patricia O.
Danny the customer service officer was…
Danny the customer service officer was professional, respectful and kind. He spoke with clarity and reassurance without pressure. He explained all that I needed to know. His explanation left little room for questions as he was very clear. He really knows his job inside out. I was very satisfied with his consultation.
Jack W.
Green lights ahead…
Good experience, made better with Luke Maguire. Speaking to him was like hitting every traffic light as it turns green 💚
If you are thinking about Life insurance, stop thinking and just do it. Its all about the ones you leave behind after you are gone. True selfless act. 💯👌🏻 Thanks Luke.
Neil R.
The man that dealt with me MATT was…
The man that dealt with me MATT was very professional and talked me through everything I was pleased with how he was respectful and explained everything so I could understand the process I’m happy with the cover I have.
Atans JP.
Excellent Service!
I spoke to Henry who was knowledgeable, friendly and very helpful.
He took me through the details of life insurance and critical illness. He found a very well priced cover plan, which I took out. Wonderful company.
Zafal I.
Excellent service recommended…
Spoke with Craig today with a view to getting life cover, he was clear, precise and excellent in explaining from start to finish and answered all my questions satisfactorily, even had a bit of banter along the way which made the experience very pleasing, needless to say I bought the policy recommended to me. Thank you.
Mason G.
Life Insurance
Had the chance to speak with Grant, he was amazing.
It was my first time arranging life insurance for my partner and my new born, so as you can imagine, not very clued up on how it all works. He explained everything so well and very clearly. Thank you Grant
Nick
I had a very positive experience with…
I had a very positive experience with this life insurance company.
Emily was knowledgeable, patient, explained all my options clearly and made the process easy to understand.
Highly recommended.
Sandra R.
Did an online quote and within minutes…
Did an online quote and within minutes got call from Katy who was amazing. Talked me through everything and ended up with policy. She knew what I was looking for and so helpful and patient.
Highly recommend. Thanks again Katy for sorting everything out for me.
Russell
Had a consult with Tommy Farthing…
Had a consult with Tommy Farthing, absolute pleasure dealing with him. Extremely patient, clear understanding of the information he provided, made me feel at ease through the entire process as I was rather edgy at first. I never felt pressured or treated like a mere run through receiving my consult. Thank you Tommy.
Anonymous
It was an absolute pleasure speaking…
It was an absolute pleasure speaking with Harrison. His product knowledge was outstanding, and he took the time to explain everything thoroughly, ensuring I fully understood the options available.
He was professional, patient, and genuinely engaging throughout the conversation.
Danielle S.
The man I spoke to was very helpful and…
The man I spoke to was very helpful and I came off of the phone saving £15 a month nearly on my life insurance
MS Heer
Very helpful gave me a lot of good…
Very helpful gave me a lot of good and a reasonable price for both insurances, was thorough with everything
Karen R.
Amazing service from Luke Maguire…
Luke Maguire assisted us to find a life and critical policy that suited our needs and budget, he did so with time and care. Luke gave us plenty of time to consider options and was full of knowledge to support us to decide. Luke went over and above dedicating time that suited us but meant he would be late leaving off.
What are the different types of life insurance?
Life Insurance can feel confusing, so here is a quick, simple overview of the main types.
Most popular
Increasing Term Life Insurance
The cover amount increases each year, to tackle the effects of inflation, so your payout and premiums keep
pace with the cost of living.
Good for: Keeping up with rising costs
Cheapest option
Decreasing Term Life Insurance
The payout reduces over time, often matching your mortgage balance.
Good for: Covering a repayment mortgage
Guaranteed acceptance
Over 50s Life Insurance
Guaranteed, if you meet the age and payment rules, acceptance for UK residents aged 50–80. No medical checks needed.
Good for: Ages over 50
Couple cover
Joint Life Insurance
Covers two people and pays out when the first (or sometimes second) person dies.
Good for: Couples who want to share one policy
Fixed cost
Level Term Life Insurance
Pays a set amount if you die during the policy term. The cover and monthly cost stay the same.
Good for: Budgeting at a fixed cost
Lifetime cover
Whole of Life Insurance
There’s no end date, this policy pays out whenever you die, as long as premiums are paid.
Good for: Lifelong cover
Illness add-on
Critical Illness Cover
Insurance that pays a lump sum if you are diagnosed with a serious illness covered by the policy during the term.
Good for: Financial help if you become seriously ill
Protection add-on
Income protection
If illness or injury stops you working, income protection can pay a regular amount to help with everyday costs like rent or mortgage, bills and food, so you can focus on your recovery.
Good for: Covering your income if you can’t work
Ready to get a free quote and compare life insurance options?
FAQs
Got questions? Here are some of the most common ones.
Can I trust you and your insurance providers?
Protect Line was founded in 2010 and has since grown into one of the UK’s largest and leading life insurance brokerages, employing 250+ staff nationwide. Winning multiple consumer awards each year and receiving thousands of five star ratings on Trustpilot, Google and Smart Money People, Protect Line is a highly trusted company.
We are fully authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register (www.fca.org.uk/register) under reference 942467. We are also registered with the Information Commissioner’s Office (ICO) to meet data protection standards and adhere to the Advertising Standards Authority (ASA) rules to ensure our advertising is always clear, fair and not misleading.
Read moreCan you recommend the best life insurance?
Protect Line is a non-advised life insurance broker—we never recommend or advise on any specific policy. We simply present your options so you can decide.
Life insurance policies can seem complex, especially at first glance. There is so much to consider including the policy types, policy term, level of cover, illness cover or funeral benefits, monthly costs, and the life insurance company you trust to administer a payout.
Read moreDo you have any job vacancies?
Protect Line is one of the largest life insurance brokers in the United Kingdom. As such as we employ hundreds of people to ensure we can protect as many British families as possible and provide our valued customers with the best possible experience.
Interested in joining our team? Visit Protect Line Careers for the latest job vacancies and speak with our friendly recruitment team.
Read moreDoes life insurance pay out if I have a stroke?
Life insurance policies are designed to only pay out on your death, however most life insurance policies will pay out early if you are diagnosed with a terminal illness where you have been given less than 12 months to live.
Some strokes can cause extreme harm to health and can cause a coma, or lead to someone dying. Terminal Status Stroke can sometimes require palliative care, where death is expected within months. Depending on the severity of the stroke, a life insurance policy may payout under the terminal illness clause.
If a stroke is of a lesser severity a life insurance policy will not pay out whilst the policy holder is still alive, however death by stroke would be covered at any time, subject to the policy still being active at time of death.
If you are interested in protecting your finances in the case of having a stroke, you could also consider Critical Illness Cover. This will pay out on diagnosis of a wide variety of illnesses, including if you have a stroke.
Read moreDoes life insurance pay out if I’m really ill?
Life insurance policies are designed to only pay out on your death, however most life insurance policies will pay out early if you are diagnosed with a terminal illness where you have been given less than 12 months to live.
If you are looking for a policy that pays out if you get seriously ill you should consider Critical Illness Cover. This insurance will pay out on diagnosis of a wide variety of illnesses, including if you have a stroke, heart attack or get cancer of certain severity.
Read more