Compare quotes for life insurance that covers you and your children so that you’re all protected.
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Put in your details to compare policies, then choose the deal from our results table that best suits your lifestyle and the needs of you or your family.
Fill in an application form from your chosen provider
Fill out the quote form with your chosen life insurance provider. This will include things like your personal information, any existing health conditions and your medical history.
Adjust for the level of cover you need
Tell your provider how much cover you will need. The cheapest policy will not always be the best, so start by adding in or removing any optional extras you think are important.
Wait for your results to see if you're accepted
Your life insurance will start after the application is accepted, or select an alternative provider to compare quotes if rejected.
Life insurance for children pays out if your child dies or is diagnosed with a serious illness or condition during the policy’s term. In this situation, the insurance money can help with the cost of running your home if you have to give up work to care for your child.
Although it doesn’t specifically cover medical bills, you could also spend the payment on treatment. And if the worst happens, you could use the cash to pay for a funeral.
The most common type is known as rider insurance, which is the process of adding your children to your own life insurance. Sometimes, you can also add critical illness cover to the policy.
Another option is term life insurance, whereby you pay a monthly premium to cover your child for a set period (around five to 10 years), or until they reach adulthood. If your child dies during the term, you can make a claim on the insurance. Term life insurance might be suitable if your child is too old to be added to your policy.
The final option is a dedicated life assurance policy for your child, which stays with them until adulthood and gives them cover throughout their life even if they develop medical conditions later. This is sometimes called baby insurance or baby life insurance. It is expensive and can be hard to find.
It’s not the norm to get insurance just for children. Usually, parents get insurance for themselves and add their kids to that policy.
There’s usually a limit on how much you can claim, as well as a restriction on the child’s age and the critical illnesses that are covered. Read your policy documents carefully to see what the limits are.
Ask yourself the following questions, then compare quotes to find a policy that covers your needs for a good price:
Who do I want to cover? You can get cover for yourself or for you and your partner, then add your children to your policy
What size payout do I want? You get two payouts with child life insurance – the first is for you, or for you and your partner, while the second is for each child
How long do I want the policy? Your options vary depending on which insurer you choose and become more limited with age
Is my child eligible? Providers usually attach age restrictions, such as 21 years and under
The price is based on several factors, which include:
your age and your child’s age
how much cover you want
how long you want the policy to last
your medical history
If you want to help your children in the event of something happening to you, you don’t need a child life insurance policy. Instead, try setting up a policy in trust, so they get the money when they’re old enough.
Alternatively, some insurers offer a family income benefit that can help your family pay for monthly outgoings when you die.
Yes, some insurers offer policies that pay out a lump sum for each child. Check for any exclusions before you apply.
Yes, for your child and for you, or you and a partner. Each insurer sets a payout for a child, which is usually smaller than the policy payout.
Yes, but you may find it more difficult and expensive to get cover.
Yes, but it might be cheaper to have one policy that provides the exact cover you need.
By comparing life insurance, you could save money on the policy. The best value life insurance will offer the cover to you and your family. Choose a life cover plan from one of the best UK life insurance companies and see the online discounts they offer.
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Last updated: 7 May 2022