United Kingdom term life insurance cost calculator
A healthy 40-year-old in the UK pays roughly £33 a month for £500,000 of 25-year level term life cover — and UK premiums are the same for men and women, by law. Rates climb with age and roughly double for smokers. Estimate yours below.
Estimated premium
£18.79/mo
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How this estimate is calculated
UK level term life is gender-neutral by law (one unisex rate). Figures are average monthly premiums for a healthy non-smoker on a ~25-year level term from 2026 UK comparison sources; £250k/£500k at ages 30 and 50 are scaled from published anchors. Decreasing-term and over-50 plans are priced differently. Authoritative bodies: FCA, ABI. Real rates depend on your health, age and underwriting.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- MyTribe Insurance — How Much Life Insurance Costs in the UK (2026 prices) (2026)
- Insurance Hero — Average Cost of Life Insurance Per Month (2026) (2026)
- Association of British Insurers (ABI) — UK protection insurance statistics (2026)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.