Life Insurance Under 30 Experts
We specialise in life insurance for under 30s
"Advised me on the type of cover I needed at a fraction of the cost of other quotes"
-Michael
50+ Insurers. Expert Advice.
Big Savings !
What can under 30s life insurance cover ?
Everyone’s needs vary, if something happened to you tomorrow, could your loved ones afford to stay in the home you’ve just bought? Life insurance helps make sure they won’t face financial strain — or risk losing the roof over their heads.
Funeral Costs
The average cost of dying
£9,493
Mortgage Costs
Monthly cost of housing
£798
Living Costs
Monthly cost of living
£3,053
Transport Costs
Average monthly transport costs
£348
Transport Costs
Average monthly transport costs
£348
£300,000 Life Cover
£10
For only per month
Tuition Fees
Average yearly tuition fees
£9,188
House Deposit
Average 10% mortgage deposit
£23,200
House Deposit
Average 10% mortgage deposit
£23,200
Pay the Bills
Household bills monthly cost
£237
Take a Holiday
A ten day holiday for 4 people
£3,796
See references
- Cost of Dying Report 2020 (SunLife)
- What is the Cost of Living in the UK? (Expatistan)
- Average London rent hits record high as supply continues to drop (Homes & Property)
- Average UK Household Budget 2021 (NimbleFins)
- University tuition fees in England now the highest in the world, new analysis suggests (Independent)
- How much deposit do I need for a house? (Bankrate UK)
- What is the average cost of utility bills per month? (The Money Advice Service)
- Average Cost of a Holiday Abroad 2020 (NimbleFins)
- £10 per month pays for £300,000 of cover for 30 years for a 30 year old non-smoker, based on perfect health
- Trust Pilot review source:
How Life Insurance Under 30 Works ?
It’s peace of mind for you.
And security for the people you love
Fill out a simple form
Tell us about your your needs
We ask a few quick questions — it only takes a couple of minutes.
We Compare Policies from 50+ Providers & Call You
You get personalised options that fit your home, your budget, and your life.
You pick your cover — and that’s it
Once your policy is in place, you can relax knowing your home is protected, no matter what happens.
Real 30 Year Olds. Real Advice.
When you speak to us, you’ll chat with a friendly UK-based expert in their 30s who best understands your needs
- You’ll only ever speak with us — we never pass on your details
- No pressure. Just honest, helpful guidance
- We’re FCA authorised and ICO registered — your trust matters to us
“The most rewarding part of what I do? Knowing we’re helping people protect their homes and their futures. Every day, we give families peace of mind — even in the worst moments”
“What I love most is that we’re here to help, not to push. It’s about finding what’s right for each person. I end every call knowing I’ve made a real difference — and that feels good.”
Life Insurance Under 30 Helps With Affordable Peace of Mind
Starting early with life insurance under 30 is one of the smartest financial decisions a young person can make. Whether you’re a young professional, part of a young family, or just starting to build your financial independence, getting covered now can lock in lower premiums, protect your future assets, and provide vital financial security for your loved ones.
Why Life Insurance for Under 30s Matters
Life insurance isn’t just for older people or those with families. Young adults today face real-world financial commitments like rent, repayment mortgages, student loans, and even credit card debt. If the unexpected happens, having the right life insurance cover in place ensures your family isn’t burdened with your debts or funeral costs.
Many young people also use life insurance for young milestones, such as:
Getting married or starting a family
Buying a first home
Taking out a repayment mortgage
Planning for children’s education
These are all certain life events where securing financial protection early can make a big difference.
What Type of Life Insurance is Best for Under 30s?
Here’s what most insurance for young adults includes:
1. Term Life Insurance
This is the most popular option for those looking for affordable life insurance in their 20s. It provides a fixed lump sum payout if you pass away within the chosen term.
Level term life insurance: Fixed payout; good for future assets or family protection
Decreasing term life insurance: Designed to match your mortgage balance or reduce alongside debts
2. Decreasing Life Insurance
Perfect for young adults with a repayment mortgage or loans. As your debt decreases, so does your cover. This keeps your monthly premiums lower without sacrificing protection.
3. Joint Life Insurance
If you’re buying a home or starting a family with a partner, a joint life insurance policy may be a cost-effective way to get dual protection.
4. Critical Illness Cover
Life throws curveballs. Adding critical illness cover means your policy can pay out if you’re diagnosed with a specified critical illness like cancer or a stroke, helping with living expenses, recovery costs, or missed income.
Life Insurance Makes That Security Real.
Do I Really Need Life Insurance?
- Would your partner struggle to pay the mortgage without you?
- Would your family be left to cover debts or bills?
- Would you want to protect your new home, no matter what?
- Anyone who relies on you financially? (Partner, children, family?)
If any of that hits home, now’s the time to get covered.
Life insurance is usually cheaper when you’re younger — and it only gets more expensive the longer you wait.
Buying a home is a big step.
Protecting it is a smart one.
Benefits of Buying Life Insurance When You are Under 30
Here’s why buying life insurance now makes perfect sense for young adults:
✅ Lower premiums due to your young age
✅ More affordable life insurance options
✅ Lock in protection early, regardless of future medical history
✅ Builds a foundation for long-term financial protection
✅ Helps save money over time
✅ Can include cash value features with certain plans
By arranging life insurance early, you ensure your monthly cost is manageable, and your policy won’t come with higher premiums down the road.
How much does life insurance cost for under 30s ?
The younger and healthier you are, the cheaper and easier it is to get covered.
£10.99
per month
£8.99
per month
Life Insurance
Starting from only
£4.99
per month
Life Insurance FAQs for Under 30s
We've answered some of the most common ones below to help make things clear and simple.
Should I get life insurance under 30?
Yes. Life insurance is cheaper when you’re younger and healthier. It locks in low premiums and protects your loved ones early.
What type of life insurance is best for people under 30?
Level term life insurance is ideal. It offers fixed cover and premiums for a set period—perfect for covering future financial commitments.
How much does life insurance cost if you're under 30?
Premiums can start as low as £5/month. A healthy non-smoker under 30 could pay £10–£12/month for £200,000 of cover.
Do I need life insurance if I don’t have a mortgage or kids?
It depends. If others rely on your income or you want to cover debts or funeral costs, it’s still worth considering.
What’s the difference between term and whole life insurance under 30?
Term life is cheaper and lasts for a set time. Whole life covers you for life and builds cash value, but it’s more expensive.
How do I find the best life insurance under 30?
Get a free quote from us and compare, speak to a broker, and look for policies with flexible terms, good customer reviews, and low premiums.