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Single Life Insurance

Guarantee your family’s financial future with single life insurance. Get in touch with The Insurance Surgery to discover the best policies and quotes for you. 

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What Is Single Life Insurance?

A single life insurance policy is life insurance that provides cover for an individual. This type of insurance can offer a payout to one’s beneficiaries upon the policyholder’s death. Offering an alternative to joint life insurance, single life insurance allows you and your partner the chance to take out individual policies and provide your family with two separate payouts of differing amounts.

People may take out single life insurance for the following reasons:

They are not in a serious relationship

They don’t need the same amount of cover as their partner

So that their beneficiaries receive a payout from both them and their partner

How Does Single Life Insurance Work?

STEP 1
Complete Form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

Single life insurance allows an individual to assess their personal financial situation and determine what type of policy and payout would best suit their circumstances. There are a number of policies available to those seeking single life insurance, including term life insurance, decreasing life insurance, whole of life insurance, and many more.

Couples and business partners often need help deciding whether to invest in two separate life insurance premiums or a joint life insurance policy, covering both parties with one lump sum payout when either of them dies. Depending on your situation, the security of having two policies between you may be inviting. At the same time, however, the affordability and convenience of joint life insurance manage to draw others in. Here at The Insurance Surgery, we can help you make the right choice for your coverage. To determine what works best for you, we may be required to know:

If you have a partner

Each of your incomes

The financial situation of your beneficiaries

Whether you have mortgage repayments to make

Your medical histories

Your ages

You should consider life insurance if you have…

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

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  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Does a Single Life Insurance Policy Cost?

The price of single life insurance can depend on several factors, including your age and health, the financial situation of your beneficiaries, whether you have a mortgage and more. However, the cost of premiums will also depend on how much coverage you request and how long you need the policy to last.  

You can get in touch with one of our dedicated experts at The Insurance Surgery to get a better idea of how much you can expect to pay for your coverage. We understand that finding the perfect policies can be tricky, but that’s exactly what we’re here to advise on! 

For a clearer idea of the average cost of life insurance, visit our Guide.

How Much Single Life Insurance Do You Need?

If you’ve decided to settle on single life insurance, this may be because you and your partner have decided to take out separate policies. But how much single life insurance do you need, exactly? Well, if you’re the breadwinner in the family, you may need to take out a larger policy than your partner to ensure that the payout covers your lost income.

If you’re unsure of how much single life insurance you need, we can give you a hand! In order to help you out, we may need to know:

Do you have any debts?

How much do you earn?

Do you have children to look after?

Do you have any medical conditions?

What type of life insurance are you interested in?

Once we’ve had a quick conversation, we should be able to give you an estimate of how much life insurance would best guarantee your financial security.

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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
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Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

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Frequently Asked Questions

Is it better to get single or joint life insurance?

Both single life insurance and joint life insurance have their ups and downs, depending on your situation. Joint life insurance is known to be more affordable, but two single life insurance payouts often offer a more significant sum to your beneficiaries. For more personal advice, get in touch with our expert team to find out what would best suit your needs.

Yes, in most cases, your insurer will allow you to cancel your insurance. If you have any doubts about your policy and are thinking of cancelling, feel free to get in touch with The Insurance Surgery, and we can get in contact with your insurer while checking for alternative policies. 

Depending on your insurer, you may be able to change both your and your partner’s single life insurance policy into a joint policy. If not, we can work with you to cancel your agreement and find a better joint life insurance policy that suits you.

With over 25 years of experience, The Insurance Surgery is well equipped with the knowledge to match you up with the perfect life insurance policy for you. So, if you and your partner are undecided between joint life insurance and single life insurance, we can help assess what would work better for you.

Get in touch with one of our dedicated experts today to get tailored advice on all things insurance and find out how much you can expect to pay for your coverage. We’re more than happy to help!

Life insurance is unique – just like you.

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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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