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Life Insurance for Mums

We understand how strong the need to protect your children is, even when you’re no longer around. That’s why we’re providing life insurance for mums to offer that financial security.

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What Is Life Insurance for Mums?

Life insurance for mums can ease your worries about your children’s future. Whether you’re a new mum, a stay-at-home mum, a young mum, a working mum, a single mum, a mature mum, a step mum, or the key breadwinner for your family, we’ve got you covered.

With life insurance, your family can receive a lump sum payout to cover a range of expenses, including:

Mortgage payments
School or university fees
Counselling or bereavement support
Paying outstanding bills/debts
Replacing lost income

You should consider life insurance if you have…

Dependents, 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!

Do Young Mums Need Life Insurance?

Many young mums assume life insurance isn’t necessary or worry that it’s too expensive. But here’s the thing – securing a policy early can give your family financial stability for years to come.

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.

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.

Life Insurance Costs for Mums.

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Medical conditions

Your occupation

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

Life Insurance for Mums, case study

Farrah is a 34-year-old single mum who is raising two children on her own. Her salary is £27,000.

She’s looking for a 25-year term life insurance plan that offers cover of at least £150,000, which would be split directly between the two children. She wants the insurance to open until the kids are grown up and financially independent.

Farrah’s monthly premium will be £7.75 every month for 25 years.

In total, she would pay £2325.00 for a potential £150,000 payout.

We found Farrah the increasing policy below:

Total Cover
Amount:

£150,000

Monthly Premium
Cost:

£7.75

Duration of
Policy:

25 years

Life Insurance for Mums, case study 2

Susie is 43 years old and works as a Chief Inspector with a salary of £65,000. She is the primary breadwinner in her family. She recently had her first baby, and her husband is working part-time as a graphic designer to save on childcare costs. They own their home but have a remaining mortgage balance of £275,000 over a 20-year term.

She wants a decreasing policy to cover her mortgage and a level term policy for £500,000 to cover childcare costs and family bills/lifestyle for 23 years.

Although Susie is eligible for an enhanced sick pay package and death-in-service benefits through work, she wants to make sure that her finances will always be covered. As such, she wants to include income protection in the event of being taken ill.

Susie’s monthly premiums are £23.13 for mortgage decreasing insurance, £40.91 for a £500,000 level term policy, and £100.71 to receive £3437 per month after her company sick pay ends.

She would pay £1977 per year in total.

We found Farrah the decreasing policy below:

Total Cover
Amount:

£500,000

Monthly Premium
Cost:

£23.13

Duration of
Policy:

23 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependents

Take-home pay or income from other sources

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

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

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 parent

Forbes Advisor, 2025

How Does Life Insurance for Mums Work?

Mums are superheroes, so we are keen to do everything in our power to support them and offer them the financial reassurance that they deserve. It doesn’t matter whether they’re a single mother, a stay-at-home mum, a breadwinner, or a mature mum, we have 25 years of experience in finding policies for all kinds of women.

By paying a premium each month (or year) for an agreed time frame, you will then receive a tax-free cash payout if you are diagnosed with a terminal illness and have less than 12 months to live or if you pass away.

There are many different types of life insurance policies, but our handy experts will be able to advise on which policies best suit your needs. We may talk to you about:

Whole of Life Insurance.

Whole of life insurance provides lifelong cover, which promises the financial security of your loved ones after you pass. They will receive their payout in a lump sum.

Critical Illness Cover.

Critical illness cover provides a lump sum payment or a recurring income if you are identified with a serious or life-threatening illness. This can support with any living expenses.

Family Income Benefit.

A family income benefit (FIB) is a type of insurance plan that, in the event of your death, will provide your family with a regular monthly income instead of a single lump payment.

Income Protection Insurance.

Income protection insurance can help if you are unable to work due to illness or injury. It can financially assist you without you having to rely on your savings or sick pay.

Mortgage Protection Insurance.

Mortgage life insurance will cover your remaining mortgage balance if you pass away or develop a terminal illness, giving loved ones one less thing to worry about.

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Do I Need Life Insurance?

Life insurance is not a one-size-fits-all product, but certain groups of people may benefit from having a policy in place.

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

*Please see the Price Promise Terms & Conditions for more information.

Frequently Asked Questions

What is the best life insurance for mums in the UK?

Life insurance is a very personal thing. There is no defined best insurance company for mums, as your policy will depend on how many children you have, how much cover you need, and how you want it to pay out.

The easiest way to find the best life insurance provider for you is to talk to a broker like The Insurance Surgery. We can help you identify exactly what you’re looking for and help you figure out why you want financial protection. Knowing this lets us match you to the best life insurance company for your needs.

Can you take out life insurance for mums on benefits?

Absolutely. In fact, we recommend taking out life insurance for mums on benefits because it can safeguard your children’s financial future if something were to happen to you. If you’re on Universal Credit, we know that budget is essential. But low prices doesn’t mean low protection.

Our team excels in finding ways to lower your premiums as much as possible. What’s more, with our price promise guarantee, we can match you to the cheapest life insurance policy at the lowest possible price.

Should you take out life insurance as a new mum?

If you’ve recently had a baby, then congratulations! Whether it’s your first child or you’re an experienced mum, it’s a special time.

You want to be the best mum possible, and that starts with making sure that you’re safeguarding their financial future. We don’t just excel in finding life insurance policies for new mums. We also work with families to review their life insurance policies, checking that it continues to offer the best level of financial protection for your growing family.

How much does life insurance cost for single mums?

Even if your budget is tight, do not be worried about the cost of life insurance. It may be cheaper than you think. Every mum is different, and policies are based on your age, smoking status, health and BMI, as well as what type of policy you’re looking for. With our help and expertise, we can create a policy that matches your budget.

How Can The Insurance Surgery Help?

With 25 years of experience, we are a trusted insurance broker with endless experience in finding a variety of mothers’ policies that work for their circumstances. Our approach is to help you from the very beginning, guiding you in figuring out how much cover you need and what type of policy fits you.

Put your trust in The Insurance Surgery to support your insurance journey from beginning to the very end, and rest assured that the future of your children is protected.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…

Understanding Inheritance Tax (IHT) and Life Insurance

Inheritance Tax (IHT) is a tax levied on the transfer of wealth after someone passes…

Is Over 50s Life Insurance Worth It?

Over 50s life cover works slightly differently from regular life insurance. The main criteria are…

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…

Understanding Inheritance Tax (IHT) and Life Insurance

Inheritance Tax (IHT) is a tax levied on the transfer of wealth after someone passes…

Is Over 50s Life Insurance Worth It?

Over 50s life cover works slightly differently from regular life insurance. The main criteria are…

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

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

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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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.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.

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Life Insurance for Mums

What Is Life Insurance for Mums?

You should consider life insurance if you have…

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Life Insurance Costs for Mums.

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Medical conditions

Your occupation

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

Life Insurance for Mums, case study

Total Cover Amount:

£150,000

Monthly Premium Cost:

£7.75

Duration of Policy:

25 years

Life Insurance for Mums, case study 2

Total Cover Amount:

£500,000

Monthly Premium Cost:

£23.13

Duration of Policy:

23 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependents

Take-home pay or income from other sources

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

Monday to Thursday:

Friday:

Facts About Life Insurance.

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 parent

How Does Life Insurance for Mums Work?

Whole of Life Insurance.

Critical Illness Cover.

Family Income Benefit.

Income Protection Insurance.

Mortgage Protection Insurance.

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!

Frequently Asked Questions

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

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

Monday to Thursday:

Friday:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

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

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!

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

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