Compare Term Life Insurance Policies

You are shopping for term life cover and every quote is just a monthly figure. This looks past the premium: whether the sum and term actually match your mortgage and your dependants, how the premium is structured, and the exclusions that bite when a claim is made. You compare policies on what they would really pay out for the people you are protecting.

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You are shopping for term life insurance to protect {DEPENDENT_TYPE} (a partner, children, or a mortgage) and want to compare policies beyond just the monthly premium.
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**Compare life insurance policies across five dimensions:**
1. Cover amount and term: whether the sum assured and term length match your actual liability (mortgage balance, years until children are independent)
2. Premium structure: level vs decreasing cover and whether the premium is guaranteed or reviewable
3. Policy definitions: how the insurer defines terminal illness and whether critical illness cover is included or available as a rider
4. Insurer strength and claims record: the financial strength rating and the claims paid percentage of the insurer
5. Flexibility: options to increase cover without further underwriting (e.g. after having children) and what happens if you miss a payment
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- A comparison table across all five dimensions for each policy considered
- A recommendation with the key reason
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