The person and assumptions
Use the same age, smoking status, occupation and relevant application information. A quote based on different assumptions is not a fair price comparison.
Life insurance quotes
Compare quotes on the same assumptions
A low first premium tells you very little unless the person, cover, product, options, payment frequency and underwriting outcome all match.
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Like-for-like checklist
Put these details beside every quote
Ask for a written schedule and keep the policy wording that applies to the quoted product. If one field differs, mark the comparison as qualified rather than treating the prices as interchangeable.
The exact product and amount
Record the legal insurer, product name, sum insured and whether optional trauma, disability, premium-waiver or other benefits are included.
The premium structure
Identify stepped, level or blended pricing, the period for which that basis applies, and what the insurer can still change under the policy wording.
Frequency, fees and discounts
Compare the same payment frequency. Note policy fees, temporary discounts, programme-linked discounts and whether every displayed charge is included.
The underwriting outcome
The initial illustration may change after underwriting. Compare the final offered terms, including exclusions, loadings, postponements and any benefit restrictions.
The service behind the quote
Know whether the quote is direct or adviser-assisted, which providers can actually be accessed, who gives advice and who receives your information.
After underwriting
Compare the offer, not only the illustration
An insurer may accept standard terms, offer cover with a higher premium or exclusion, postpone a decision, or decline an application. The final offer and applicable wording are what matter.
Before replacing existing cover
Do not cancel an existing policy simply because a new illustration looks cheaper. Confirm suitable replacement cover is in force and understand any changed exclusions, definitions, premium structure, ownership or lost legacy terms.
Use the policy-review checklistResearch before sharing contact details
Start with sourced product facts and the cost assumptions that make quotes comparable.