What do we offer?

Sourcing the right Life Assurance or other cover for your needs, at the most competitive price can be a long winded and complicated process. With a multiude of insurance companies and insurance policies on the market to choose from, knowing exactly which one suits you best can be like finding a needle in a haystack.

Top Quote UK offers you the help, advice and tools to make an informed decision on your life cover, critical illness insurance or income protection needs.

You can get your quotes within a few minutes and unlike other comparison websites we will show you your quotes instantly online and give you the option to either apply online or speak to one of our friendly fully qualified advisors if you feel you'd like some advice or guidance.

Life Assurance / Life Insurance

Life Assurance (commonly referred to as Life Insurance) is an insurance policy which will pay a lump sum of money when the policy holder dies. Usually these policies are taken to ensure that your family could pay off mortgages or loans, maintain a good quality of living or pay funeral costs if the worst was to happen to you or your partner.

Your Life Cover comes with a variety of options to ensure it suits your exact needs such as an index linked benefit, family income benefit, the option of including critical illness cover (known as Life and Critical Illness Cover) and your various options to suit your reasons for taking the cover such as Mortgage Life Assurance (decreasing life insurance) and Term Life Assurance (Level life insurance).

- Get an Instant Life Assurance Quote
- Read more about Life Assurance

Critical Illness Cover

Did you know that every 2 minutes, somebody in the United Kingdom suffers from a heart attack?

This shocking statistic, provided by BUPA, shows just how great a problem heart attacks in the UK are but doesn't show the true effect of the condition on a sufferers life and family.

A typical heart attack sufferer may spend weeks or months unable to work and therefore unable to support his family and maintain the roof over their heads. At the same time, a typical sufferer may require specialist care and treatment which on current NHS waiting lists could be months and months down the line.

Critical Illness Insurance protects you when you suffer from a condition on a specified list of illnesses typically including heart attacks, strokes, advanced cancers, permanent blindness, deafness or loss of limbs and kidney failure, to name but a few.

It can be taken as a standalone product or as part of a Life and Critical Illness cover and in either case will payout a lump sum, direct to you, if you contract one of the illnesses. For many people this vital protection allows them to pay off mortgages and loans they have, replace income lost whilst they cannot work and pay for specialist private treatment. The payout is yours to spend as you see fit and to use as your needs dictate.

- Get an Instant Critical Illness Quote
- Read more about Critical Illness Insurance

Income Protection

What would happen to you and your family if you were to injure yourself today and be unable to work for a prolonged period of time?

A recent study showed that only half of Britain's 29 million workers could survive for four months on their savings if they were unable to work. Combine this with another study which showed that a majority of people off work due to prolonged illness have been off work for more than 6 months and we have a worrying trend for most Britain's.

Apart from saving for a rainy day there are few options to help you prevent financial ruin in these circumstances. Income Protection Insurance however provides you with the ability to protect a portion of your monthly income for exactly this event. Income Protection will commence paying from as little as the first day you are unable to work and will continue paying until you are able to return to work again however long that might be.

If you can't return to work because of your illness, it can continue paying until your retirement and replace your income for the rest of your working life!

- Get an Instant Income Protection Quote
- Read more about Income Protection Insurance

Mortgage Payment Protection Insurance

Mortgage Payment Protection Insurance comes under a variety of different names which essentially all lead to same idea. Commonly known as Accident, Sickness and Unemployment cover or Payment Protection Insurance, this type of cover will protect you on a short term (12 months or in some cases 24 months) basis if you suffer from an accident or illness that causes you to be unable to work, or if you are made unemployed through involuntary redundancy.

The average Britain will take 4 months to find new employment after he is made redundant and with unemployment on the rise and fewer jobs for people to move into, this time period can only be expected to rise.

Mortgage Payment Protection allows you to protect your families mortgage repayments if the worst were to happen. It will pay for your monthly mortgage repayments along with a little extra for household bills and help to maintain you whilst you search for alternative employment.

- Get an Instant Mortgage Payment Protection Quote
- Read more about Mortgage Payment Protection Insurance

Business Life Insurance

Protecting the business which you have worked so hard to build is generally at the forefront of a businessperson's mind. Unfortunately what many people forget to consider is what would happen if a 'key man' in the organisation (such as a director) were to die suddenly.

In companies where a small number of directors own all the companies shares, a sudden death may allow a rival to purchase the deceased's shares and therefore a power stake in the business if the deceased's heir chooses to sell on those shares.

Business Life Insurance, also known as Key Man Insurance, will payout a lump sum upon the death of one of the shareholders to allow the surviving shareholders to buy the deceased's stake in the company.

- Get an Instant Business Life Insurance Quote
- Read more about Business Life Insurance

Easy Guides

Insurance Jargon Buster - A Plain English Guide

Like with most subjects, insurance comes with its own language which can include its own confusing terminology. Our Jargon buster aims to help you clarify what some of the terminology you might find on our website means so that you can fully understand the policies and covers you are considering.

Critical Illness Cover - A Quick and Easy Introduction

Critical Illness Cover (or Critical Illness Insurance as it is also known) is an insurance cover designed to pay you a cash lump sum if you are diagnosed with one of a number of designated illnesses. Generally speaking this type of insurance covers you for illnesses such as heart attacks, strokes and advanced cancers, amongst others, and will pay out a lump sum which is normally aimed at covering your medical costs or paying off liabilities such as mortgages and loans.

Protecting your Mortgage from Accident and Redundancy

Your mortgage is one of the largest financial committments you will ever make. It is probably one of the largest sums of money you will ever borrow, over the longest amount of time. As such it is vitally important that its repayment is protected against life's unforeseeable events. Falling behind with mortgage repayments is easily done when times are hard and if you were to be injured or lose your job through redundancy, making repayments can very quickly become a problem.

Life Assurance and Inflation - Index link your policy today!

So you've protected your mortgage and family by taking out a Life Assurance policy. The sum you insured yourself for sounds like plenty for your family to maintain its standard of living but that amount is ofcourse at todays value. In 10 or 20 years time, the real value of that payout may not be the same as today and what you could buy with £100,000 today will certainly not be the same in years to come thanks to inflation. There is a way however to prevent your policy losing its value: Index linking your policy to the Retail Price Index.

Over 50? Your Life Assurance need not be doom, gloom and expense!

It is a common misconception that once you are over 50 you are in some way incapable of taking out a normal life assurance policy. The TV is riddled with numerous adverts trying to sell so called 'over 50s plans' at great expense and with a number of pitfalls. So why can't you get over 50 life insurance? Well the answer is you can and it need not be an expensive or painful process! The process for obtaining your Over 50s Life Insurance is exactly the same as anybody below 50 and that counts for over 60 / over 70 and over 80 life insurance as well!

Using Income Protection to prevent total loss of earnings

Income Protection offers you the ability to protect yourself and your way of life if you are incapacited by injury or illness and can't work. For a growing number of people who do not receive sick pay from there employer, being unable to work for even a short period of time could result in financial disaster with missed mortgage or rent payments, bills unpaid and a vast reduction in overall standard of living. Help from the state is almost not worth speaking of at a lowly £75.40 per week and that is assuming you are eligable to claim it! On the brighter side, there is a way to prevent this impending financial disaster through the use of Income Protection Insurance.



Tools

Retail Price Index Calculator

Index Linking your Life Assurance, Critical Illness or Income Protection cover could protect it from inflation with an annual increase of the cover amount to offset increases of the retail price index.
Our RPI calculator will help to give you an indication of the potential effects of index linking your insurance policy which can often be added to your policy with little or no initial cost.

Budget Calculator

Our budget calculator helps you decide exactly how much cover you should have as part of your Life and Critical illness assurance, Income Protection Insurance or Mortgage Payment Protection Insurance. Provide us with some simple details about your liabilities and aims and we'll provide you give an estimation online and the option to speak to one of our advisors.

Which Cover Guide

Choosing the cover which best suits your needs can be a confusing experience with a whole world of technical jargon and complicated processes.

Our quick and easy 'Which Cover Guide' aims to help you decide exactly which cover will achieve your aims and will help you ensure that you and your family are covered with the right Life Assurance, Critical Illness Cover, Income Protection or Unemployment Insurance.

Insurance Companies

Top Quote UK offers predominantly whole of market insurance quotations for our Life and Critical Illness Cover, Income Protection and Accident, Sickness and Unemployment covers. We select from the leading providers including, amongst others: