Compare child life insurance

Compare quotes for life insurance that covers you and your children so that you’re all protected.

  • Get a free quote in less than five minutes
  • Find a policy that suits you and your family
  • Compare quotes from industry leading providers
Sponsored by

Compare life insurance quotes from over eight UK Life Insurance companies

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

Aviva inline logo
HSBC logo
Legal & General logo
LV logo
Royal London logo

How to get a life insurance quote


Compare our best Life insurance deals

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.

What is child life insurance?

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.

What kind of life insurance for children can I get?

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.

Does my child need their own child life insurance policy?

It’s not the norm to get insurance just for children. Usually, parents get insurance for themselves and add their kids to that policy.

How much can I claim on a life-insurance-for-children plan?

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.

How do I choose the best life insurance for children?

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

Here’s how life insurance works

How much does a child life insurance plan cost?

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

Here’s how to cut the cost of life insurance

What are the alternatives to child life insurance?

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.

Here’s how to choose the right life insurance policy

Child life insurance FAQs

Get life insurance quotes

Compare life insurance from a wide range of UK providers

Explore Life insurance guides

See more guides


Which life insurance policy is right for you?

Choosing the right policy depends on how long you need cover for, the payout amount and how you want it paid. Here is how to get the best life insurance policy for your needs.

Read More

How to claim on a life insurance policy

Losing someone is heart breaking, but a life insurance policy lessen any financial burdon the loss places on dependent family members. Here is how to deal with their life insurance claim.

Read More

What is a whole of life insurance policy?

If you take out a whole of life insurance policy, you are almost guaranteed to get a payout when you die. Here is how it works and what types you can choose from.

Read More

Why compare Life insurance with

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.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards

Last updated: 7 May 2022