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[H6] INSURANCE

[H1] Compare Insurance
[H1] Prices & Get Saving

When you choose a policy, we will guide you through the application process, completing a health and lifestyle questionnaire and explain all the trust options available from your chosen provider.

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[H6] HOW WE CAN HELP

[H2] Protect What Matters with Im-Insured

Life InsuranceBusiness InsurancePrivate MedicalVehicle InsuranceGeneral Insurance

[H2] Life
Insurance
Protect your loved ones financially in the event of your death.

[H2] Critical
Illness
Financial security for you and your loved ones in the event you become critically ill.

[H2] Income Protection
Life is unpredictable, so income protection offers peace of mind.

[H2] Expat
Life
Vital for UK residents moving abroad or recent expatriates with UK financial liabilities

[H2] Mortgage Protection
Helps ensure that your loved ones have the necessary help and funds to pay off the mortgage

[H2] Group
Life
Financial security for a key employee and their loved ones in the event they become critically ill.

[H2] Relevant
Life
Tax-efficient life cover for employees, paid by the employer

[H2] Key
Person
Help your business continue to trade if you were to lose an owner or employee who is important to your business

[H2] Business Protection
Business protection insurance ensures your company stays stable

[H2] Private
Medical
Cover most or all of the costs of treatment, making expensive treatment much more affordable

[H2] Group Private
Medical
Ensure your employees have swift access to high-quality medical care whenever they need it

[H2] Car
Provides financial protection against physical damage or bodily injury resulting from traffic collisions

[H2] Van
Designed to protect your van against damage, theft, and liability in the event of an accident

[H2] Bike
Designed to protect your motorcycle, scooter, or moped against damage, theft, and liability in the event of an accident

[H2] Breakdown
Offers peace of mind by ensuring you receive assistance if your vehicle stops working unexpectedly

[H2] Home
Protects your property and belongings from unexpected damage, loss.

[H2] Pet
Designed to cover your pet’s health and vet costs from unexpected issues

[H2] Travel
Designed to protect your trips, covering cancellations, medical emergencies, and losses

[H6] WHY CHOOSE US

[H2] About Us
At Im Insured, we believe insurance should be clear, simple and genuinely helpful – not just a race to the cheapest price.
For over 13 years, our team has been helping people across the UK find the right cover, combining online comparison with real, experienced advisers when you need them.
With Im Insured you can:
Explore and compare life insurance, protection products and private medical insurance, with the option to speak to our experienced advisers for guidance and recommendations tailored to you.
Compare and get quotes online for car, van, bike, home, travel, pet and breakdown cover in just a few minutes.
We work with a panel of trusted insurers, so you see real quotes from multiple providers — not just one company’s prices. Our role is to make it easy to understand your options, choose confidently, and know you’re properly covered.
Whether you’re insuring your vehicle, protecting your home and belongings, covering your next trip or looking after your family’s future, Im Insured brings together smart comparison tools and a team with a wealth of experience across personal insurance.
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[H6] WHY CHOOSE US

[H2] Why Choose I’m insured?
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[H5] Accurate Quotations

Our system returns quotes from providers representative of the whole of market.

[H5] No Appointments Needed

No lengthy consultant process or appointments required for you to compare the market.

[H5] Best Pricing Available

You will not have to pay inflated prices offered by ’mortgage brokers tied to certain providers.

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[H6] TESTIMONIALS

[H2] Hear What Our Clients Say About Us
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“Great quality and concise options for my income protection plan. Explained the options simply with a great deal of knowledge.” John CoxWebflow “Very insightful, helpful and gave me all the advice I needed to make a decision. The guy I spoke with was very friendly and kind and I thought the service was great.” Colleen ButlerBusiness Global

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[H6] KNOWLEDGE HUB

[H2] Latest Articles And Guides From Our Experts

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Helpful GuidesBeginner’s Guide to Life Insurance

Read this beginner’s guide to life insurance and find out everything you need to know before you take out life insurance.
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Helpful GuidesTypes of Life Insurance

There are a number of different types of life insurance, so here at I’m Insured, we’ve put together this simple guide to the different types…
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Helpful GuidesHow Much Life Insurance Should I Get?

The amount of life insurance cover you need is dependent on your personal circumstances. At I’m Insured, we’ve put together this extensive guide to help…
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[H6] WHY CHOOSE US

[H2] The Best Life Insurance Comparison
Service in the UK

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[H6] INSURANCE

[H1] Life Insurance

Save time and money with a life insurance quote from I’m Insured
Policies from a range of trusted UK providers
Rated exceptional on FeeFo with a rating of 4.9/5.0

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[H6] WHAT TO KNOW

[H2] What is Life Insurance?

Life insurance is designed to protect your loved ones financially in the event of your death. The payment your family receive can help to cover mortgage payments, funeral costs and other essential expenses after you’re gone.
The money that is paid out to your family is dependent on a range of factors including the type and level of life insurance cover you take out. There are many UK poviders offering varying life insurance – this includes diffferent costs, length of policy and terms included.
Find out more about how life insurance works below, or start your free online quote to compare different levels of cover from over 200 of the UK’s leading insurance providers.

[H6] WHY CHOOSE US

[H2] Why Choose I’m insured?
Start Your Quote

[H5] Save Time

Our quick and simple online tool generates instant quotes from a wide range of leading life insurance providers.

[H5] Save Money

Using the details you provide, we generate competitive quotes to help you find the most cost-effective policy.

[H5] 5.0/5.0 Rating

We provide quality service and outstanding customer satisfaction, and our Feefo rating reflects that.

[H5] Free Health Check

We offer a free personalised health check from Thriva for everyone named on your new insurance policy.

[H6] WHAT TO KNOW

[H2] What Insurance Terms Are Available?

[H2] Level Term
A policy with fixed monthly premiums and a lump sum payout that remains the same regardless of when a claim is made.
You pay a fixed monthly premium that stays the same throughout the policy term
In the event of your death, your loved ones can make a claim against the policy
A cash lump sum will be paid out in the event of a successful claim

[H2] Decreasing Term
This type of policy is often used to cover loan repayments. The payout total reduces over time in line with the balance left on your mortgage or loan agreement.
You pay a fixed monthly premium that stays the same throughout the policy (it is often lower than Level Cover)
The lump sum payout amount gradually decreases throughout the policy term
A cash lump sum will be paid out in the event of a successful claim

[H6] WHAT TO KNOW

[H2] What Does Life Insurance Cover?

The specifics of what is covered depends on the insurance provider chosen, so it’s vital that you read your policy documentation clearly when comparing quotes.
Here are some examples of things that are commonly covered by standard life insurance policies:

[H4] Usually Covered
Most common causes of death, Cancer and other diseases, Unexpected illness, Heart attacks, Accidental death
[H4] Usually Not Covered
Drug or substance abuse, Life-threatening activities, Critical illness or injury, Pre-agreed health issues, Non-declared conditions

[H6] WHAT TO KNOW

[H2] What Factors Can Affect A Life Insurance Comparison?

Life insurance premiums are dependent on a variety of factors and providers will require certain information to gauge your circumstances.
To find out how much life insurance could cost you, start your free online quote – I’m Insured will compare insurance providers across the market to find you the most suitable cover at the best price.
Here are some of the things that are taken into account when applying for insurance policies:

1
[H4] Age
2
[H4] Lifestyle
3
[H4] Health
4
[H4] Medical History
5
[H4] Occupation
6
[H4] Smoker Status
7
[H4] Cover Length
8
[H4] Amount of Cover

[H6] WHY CHOOSE US

[H2] How Does Life Insurance Work?
Start Your Quote

[H5] Get Your Quote

Provide all of the required personal information such as age, occupation and current health conditions in order to generate a policy quote based on your current circumstances.

[H5] Choose Your Policy

Based on your current circumstances and what you need to be covered for, you can customise your policy and add any extras or additional coverage you may need.

[H5] Pay Your Premiums

Once you have chosen your provider and taken out your life insurance policy, you’ll start making the agreed monthly payments that are stated in your policy agreement.

[H5] Make a Claim

In the event of your death (or pre- agreed diagnosis of terminal illness), yourself or your loved ones are then able to make a claim a lump sum on your policy.

[H6] FAQs

[H2] Get Key Life Insurance Answers

[H3] How is life insurance paid out?
Lump sum payouts are usually the most common, however, there are other options in how loved ones can receive a life insurance payout. Instalments can be made monthly, quarterly, annually or every five years.
[H3] Who is life insurance paid to?
As with most elements of life insurance, who the payout is given to is usually dependent on the terms and conditions of your policy. However, you will typically be able to choose who the money goes to when you pass away by selecting a beneficiary.
[H3] When should I take out life insurance?
There is no specific age you should take out an insurance policy as everyone’s circumstances will be different. However, if you have family members or loved ones that are dependent on your income, it’s better to consider taking out a policy as soon as possible to make sure they are protected.
[H3] Pre-existing medical condition?
In most cases, you will still be able to take out a life insurance policy with a pre-existing medical condition. However, depending on the condition, you will likely have to pay higher premiums. It’s important to make your insurance provider aware of any medical conditions you have or you won’t be covered for them when it comes time to make a claim.

[H3] Can I review my policy if I quit smoking?
Smokers will almost always pay higher premiums, usually even those that have quit within the last 12 months. However, if you have stopped smoking for longer than a year, you can speak to your insurance provider and they may consider reducing your payments.
[H3] Can I claim if I am terminally ill?
Each policy will have different rules around terminal illness but generally there are many providers that will pay out before your death if you are diagnosed with a terminal illness and not expected to live longer than one year.
[H3] How much life insurance do I need?
Deciding on the amount of cover you need can be difficult but the main things to consider are the costs that will be left behind after you are gone. If your income pays towards things like mortgages, you’ll need to compensate for that to help your loved ones. Use our free online life insurance calculator to work out how much cover you’ll need to apply for.
[H3] Is my life insurance payout taxable?
When a successful claim is made on your policy, the payout made to your chosen recipients may be taxed depending on the amount. The payment won’t usually be subject to income tax but as it technically forms part of your estate, it will most likely be liable to inheritance tax.

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[H6] INSURANCE

[H1] Business Insurance

Save time and money with a business insurance quote
Policies from a range of trusted UK providers
Rated exceptional on FeeFo with a rating of 4.9/5.0

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[H6] WHAT TO KNOW

[H2] What is Business Insurance?

Business insurance safeguards companies from financial risks, ensuring stability and continuity. It covers losses from events like lawsuits, property damage, or key staff loss. Tailored policies like Business Protection, Key Person Insurance, and Relevant Life Insurance address specific needs, offering peace of mind for business owners.
Business Protection secures overall operations, covering debts or disruptions. Key Person Insurance protects against the loss of vital employees, maintaining business function. Relevant Life Insurance provides tax-efficient life cover for staff, benefiting employees and firms. These ensure resilience against unforeseen challenges.

[H6] WHAT TO KNOW

[H2] Types of Business Insurance

[H2] Group Life
Group life insurance, group income protection, and group Critical Illness cover can provide your employees with a valuable and comprehensive benefits package.
Find out more

[H2] Key Person
Key Person Insurance is a type of life insurance designed to protect your business against the loss of a key employee.
Find out more

[H2] Relevant Life
Relevant Life Insurance protects your business OR any named beneficiary in the event of the death/critical illness of a Director, or other employee
Find out more

[H2] Business Protection
We can help arrange the most tax efficient business protection life insurance polices to protect your business and livelihood
Find out more

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[H6] INSURANCE

[H1] Critical Illness Cover

Save time and money with a Critical Illness quote
Policies from a range of trusted UK providers
Rated exceptional on FeeFo with a rating of 4.9/5.0

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[H6] WHAT TO KNOW

[H2] What is Critical Illness Cover?

Critical illness insurance provides financial security for you and your loved ones in the event you become critically ill. If you’re affected by a major medical emergency and have to go through lengthy treatment or give up work, a policy payout can help to cover expenses and living costs during your recovery.
Find out more about critical illness cover below, or start your free online quote to compare policies from over 200 of the UK’s leading insurance providers.

[H6] WHY CHOOSE US

[H2] Why Choose I’m insured?
Start Your Quote

[H5] Save Time

Our quick and simple online tool generates instant quotes from a wide range of leading life insurance providers.

[H5] Save Money

Using the details you provide, we generate competitive quotes to help you find the most cost-effective policy.

[H5] 5.0/5.0 Rating

We provide quality service and outstanding customer satisfaction, and our Feefo rating reflects that.

[H5] Free Health Check

We offer a free personalised health check from Thriva for everyone named on your new insurance policy.

[H6] WHAT TO KNOW

[H2] Why do I need Critical Illness Cover?

[H2] Illness Cover
Critical illness can strike anyone at any time, so a policy ensures financial stability, helping you focus on recovery without financial worry.
A policy offers financial stability, easing pressure during your recovery period
Focus on getting well, not bills, with critical illness cover in tough times
Supports dependants if you’re unable to work due to a serious health issue

[H2] Health Shield
Critical Illness Cover provides financial support when you cannot work due to illness, ensuring stability for you and dependants.
Funds from critical illness cover help you and your family remain secure
Eases financial stress with support during challenging health difficulties
Ensures peace of mind with aid when illness prevents you from working

[H6] WHAT TO KNOW

[H2] What Does Critical Illness Insurance Cover?

Critical Illness Cover insures specific conditions, which vary by provider. Always check comparison quotes carefully to ensure you know exactly what illnesses are covered.
Here are some examples of things that are commonly covered by standard Critical Illness policies:

[H4] Usually Covered
Permanent blindness/deafness, many cancers, cardiac arrest with defibrillator, coma with permanent symptoms, dementia/Alzheimer’s, heart attack, kidney failure with dialysis, major organ transplant, motor neurone disease, multiple sclerosis, Parkinson’s disease, stroke
[H4] Usually Not Covered
Pre-existing conditions, non-severe illnesses, injuries from alcohol/drug abuse, chronic diseases, mental health issues, self-inflicted injuries.

[H6] WHAT TO KNOW

[H2] What Factors Can Affect A Critical Illness Insurance Comparison?

Critical Illness premiums are dependent on a variety of factors and providers will require certain information to gauge your circumstances.
To find out how much life insurance could cost you, start your free online quote – I’m Insured will compare insurance providers across the market to find you the most suitable cover at the best price.
Here are some of the things that are taken into account when applying for insurance policies:

1
[H4] Age
2
[H4] Lifestyle
3
[H4] Health
4
[H4] Medical History
5
[H4] Occupation
6
[H4] Smoker Status
7
[H4] Cover Length
8
[H4] Amount of Cover

[H6] WHY CHOOSE US

[H2] How Does Critical Illness Cover Work?
Start Your Quote

[H5] Get Your Quote

Provide all of the required personal information such as age, occupation and current health conditions in order to generate a policy quote based on your current circumstances.

[H5] Choose Your Policy

Based on your current circumstances and what you need to be covered for, you can customise your policy and add any extras or additional coverage you may need.

[H5] Pay Your Premiums

Once you have chosen your provider and taken out your life insurance policy, you’ll start making the agreed monthly payments that are stated in your policy agreement.

[H5] Make a Claim

In the event of your death (or pre- agreed diagnosis of terminal illness), yourself or your loved ones are then able to make a claim a lump sum on your policy.

[H6] FAQs

[H2] Get Key Critical Illness Insurance Answers

[H3] Do all Critical Illness Cover policies cover the same things?
No. Each Critical Illness policy is different, and the definitions vary between providers. That’s why it’s important to compare Critical Illness policies carefully. If you’re unsure about anything, get in touch and one of our team can answer any questions you have.
[H3] Can I take out a joint insurance policy with someone else?
Yes, you can take out a joint Critical Illness Cover policy, often with a partner or spouse. It typically covers both on a single policy, but only pays out once, usually on the first claim. Check with your insurer for specific terms, conditions, and eligibility criteria. Joint policies may be cheaper than two separate ones, but ensure both parties’ needs are met.
[H3] Why might a Critical Illness Cover policy not pay out?
A policy may not pay out if the illness isn’t covered, the condition doesn’t meet severity criteria, or you didn’t disclose pre-existing conditions. Non-payment can also occur due to policy exclusions, like alcohol-related illnesses, or if premiums lapse. Always read terms carefully.

[H3] Can I get cover if I have a pre-existing condition?
Cover may be possible, but pre-existing conditions are often excluded. Insurers assess your medical history and may offer modified terms or higher premiums. Full disclosure is vital to avoid claim rejections. Compare providers for policies that suit your health needs.
[H3] Is Critical Illness Cover the same as terminal illness cover?
No, they differ. Critical Illness Cover pays out for specific serious illnesses, like cancer or stroke. Terminal illness cover pays if you’re diagnosed with less than 12 months to live. Some policies include both, but check terms to understand what’s covered.
[H3] Will I get anything back if I don’t make a claim during my policy term?
Typically, no. Critical Illness Cover isn’t a savings plan, so if no claim is made, you don’t get a refund. Some policies offer a “return of premium” option, but this increases costs. Check your policy details and discuss with your insurer for clarity.

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[H6] INSURANCE

[H1] Income Protection Insurance

Save time and money with an income protection quote
Policies from a range of trusted UK providers
Rated exceptional on FeeFo with a rating of 4.9/5.0

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[H6] WHAT TO KNOW

[H2] Compare Income Protection Quotes

We have over 30 years combined experience in sourcing income protection insurance and have streamlined our quote process to make this as easy as possible for you.
Compare Income Protection quotes and protect your livelihood against the unknown. An income protection policy is designed to specifically protect your income in the event you’re unable to work due to an accident, illness or injury.
If you’re unable to work and are no longer receiving sick pay, an income protection policy can help by providing a monthly tax free income until either you return to work or your policy expires.

[H6] WHY CHOOSE US

[H2] Why Choose I’m insured?
Start Your Quote

[H5] Save Time

Our quick and simple online tool generates instant quotes from a wide range of leading life insurance providers.

[H5] Save Money

Using the details you provide, we generate competitive quotes to help you find the most cost-effective policy.

[H5] 5.0/5.0 Rating

We provide quality service and outstanding customer satisfaction, and our Feefo rating reflects that.

[H5] Free Health Check

We offer a free personalised health check from Thriva for everyone named on your new insurance policy.

[H6] WHAT TO KNOW

[H2] What Types of Income Protection Exist?

[H2] Income Plan
Income protection policies pay out until you return to work, retire, or pass away, providing financial security if you’re unable to work due to illness or injury.
Pays out until you resume work, retire, or die, ensuring financial stability
Covers income loss from illness or injury, helping you manage daily expenses
Flexible policies can be tailored to your needs for long-term protection

[H2] Short Cover
Short-term income protection lasts one or two years, offering affordable cover for temporary needs, with lower premiums than long-term policies.
Short-term policies last 1-2 years, ideal for temporary financial protection
Costs less than long-term plans, making it a budget-friendly cover option
Suits those needing income support for a defined, shorter period of time

[H6] WHAT TO KNOW

[H2] Why Do I Need An Income Protection Policy?

Life is unpredictable, so income protection offers peace of mind. With few employers covering long-term sick pay, this cover ensures financial stability if unexpected events like illness or injury prevent you from working.

[H4] Income Protection Aid
Income protection ensures you receive money if you can’t work due to accident, illness, or injury. It alleviates financial worries, helping you maintain stability and cover essential expenses during tough times.
[H4] Financial Safety Net
Income protection supports debt repayments, like mortgages, and covers bills and expenses. It’s vital for risky jobs but valuable for all, though it excludes claims for job loss or self-inflicted injuries.

[H6] FAQs

[H2] Get Key Life Insurance Answers

[H3] What does income protection insurance cover?
Income protection pays out if you can’t work due to illness, injury, or disability. It covers a portion of your income, helping with bills and debts. It doesn’t cover job loss or self-inflicted injuries. Check policy terms for specific conditions and exclusions.
[H3] How long does income protection pay out for?
Payments continue until you return to work, retire, or the policy term ends, depending on the plan. Short-term policies may last 1-2 years. Always review the policy duration and conditions with your insurer to understand payout terms.
[H3] Can I get cover with a pre-existing condition?
Yes, but pre-existing conditions may be excluded or increase premiums. Full disclosure of your medical history is essential to avoid claim rejections. Compare insurers to find policies that accommodate your health needs and offer suitable terms.

[H3] How much does income protection insurance cost?
Costs depend on age, health, occupation, smoking status, cover amount, and policy term. Premiums can be fixed or rise over time. For exact pricing, request quotes from your insurer, as costs vary based on personal and policy details.
[H3] Can I claim if I’m made redundant?
No, income protection doesn’t cover redundancy or voluntary job loss. It’s for inability to work due to illness or injury. Check policy exclusions and consider separate redundancy cover if needed. Always clarify terms with your insurer before buying.
[H3] Is income protection worth it for self-employed?
Yes, it’s valuable for self-employed people with no employer sick pay. It ensures income during illness or injury. Policies vary, so compare cover levels, waiting periods, and costs to find one that suits your financial needs and work situation.

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