
Over 1 Million customers have come to us for advice*
Life Insurance from £5pm
If the thought of leaving your loved ones without financial protection keeps you up at night, we can help. Let us take the guesswork out of finding the right life insurance cover for your family.
Start my free quoteWhat is life insurance?
Life insurance is an insurance policy that can pay out a lump sum if you die. You pay a monthly premium to be covered and the lump sum can be paid out if you die during your policy term – or, in some cases, if you’re diagnosed with a terminal illness and given less than a year to live.

Why is life insurance important?
Financial
Peace Of Mind
Having your Life Insurance policy in place can give you the peace of mind that your family will be financially protected if the worst happens to you.
Preparation for
the unexpected
Having life insurance in place can help give financial support to the loved ones you’d leave behind if you died.
Future Support
for your family
Life insurance can help protect your family from the financial burden of you passing away, during an already emotional time.
What our life insurance covers

What’s Covered?
Your loved ones will receive a tax-free, lump sum payment if you die within the policy term. That money can be used to help pay off a mortgage, cover your bills, or simply providing your family with breathing space while they grieve your loss.

What’s not Covered?
Life Insurance isn’t like a savings account, which means there’s no cash value, and you can’t cash in your policy for a payout. You also won’t be covered if your death is a result of suicide or intentional injury within the first 12 months of your policy term.
What Life Insurance Do I Need?
Don’t just take our word for it.
Hear from some of the dads just like you who chose to protect their families’ financial futures with TOM.
Why choose TOM?

*Valid for children up to 25 years of age.
Who are you looking to get protected?
Single Policy vs Joint Policy

Single life insurance policy
Covers a single person, both partners can take out their own single life insurance policy. This means if one partner dies, the remaining partner is covered by their own life insurance policy.

Joint life insurance policy
Covers two people on the same policy but only pays out once. If you or your partner die whilst the policy in place, the surviving partner will receive the payout, however they will no longer be covered by the insurance. For these reasons, we do not offer joint policies as we want all policy holders to benefit from a policy payout to their loved ones.
Three steps towards financial peace of mind


- Fill in the form
It’s just a few questions, no confusing financial jargon, and you’ll be done before the kettle’s boiled. Once you’re ready, just hit ‘send’. - Talk to us
Expect a call. Not from a robot, but from a real person who’s here to help you find the right cover for you and your family. - Relax
Let’s be honest, you’re a dad & you’ve got loads on. So we’ll handle the tricky stuff while you get on with your day. Simple, huh?
Life Insurance FAQ’s
How much does Life Insurance cost?
Prices for £100k cover start from just £5 per month, and £6.07 for £250k sum assured. Plus, we offer both level and decreasing cover, so you can find a policy that suits your needs.
How does Life Insurance work?
The amount you pay each month will depend on various aspects of your health, lifestyle, and desired payout. If you pass away within the term of your policy, your family would receive a tax-free lump sum to help them cover their bills, so they can take the time they need to grieve and rebuild their lives.
What is Life Insurance?
Life insurance is a financial protection policy that pays out a lump sum of money to your loved ones if you die. It can be a crucial financial safety net for parents or partners who want to help make sure their loved ones can pay off their mortgage, clear any outstanding debts, pay the bills, or leave some money as a gift after they’ve gone. You pay for your life insurance in monthly instalments known as premiums, and there are many different types of policy you can opt for. Our sales advisors will consider your financial commitments and help you find the right cover to suit your needs.
Are Life Insurance proceeds taxable?
Life Insurance payouts are not taxable, however they may be subject inheritance tax if they take the value of your total estate value above £325,000. You can protect your Life Insurance payout from inheritance tax by nominating beneficiaries during the sale of your policy with us, or by putting it in a trust with a legal professional.
What are the different types of Insurance cover?
There are many types of life insurance cover you can choose from, including:
- Level term life insurance – the cost of your premium remains the same for the duration of your policy
- Whole of life insurance – the policy covers you for life
- Decreasing term life insurance – the premium and payout both decrease over time
- Increasing term life insurance – the premium and payout both increase over time