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Men’s Life Insurance

At The Insurance Surgery, we provide life insurance support for a whole variety of men with a range of unique needs and requirements. Trust us to find the perfect policy for you today.

What Is Life Insurance for Men?

Life insurance for men offers your loved ones or beneficiaries a lump sum in return for monthly premiums following your untimely passing.

When seeking out policies, we ensure that they are tailored to meet the specific needs of the individual, whether that be a single dad of 3 or a self-employed builder with diabetes. Whatever your situation, we make it our mission to ensure that your family’s finances are protected in the event of your death.

Everyone has their own reasons for seeking life insurance, but you may depend on it to:

Cover mortgage payments

Replace your income

Pay funeral costs

Cover bills

Pay outstanding debts

Leave a lump sum for education/lifestyle

How Does Men’s 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!

At The Insurance Surgery, we work to support men of all backgrounds, regardless of their circumstances. Whether you want a lump sum to leave your loved ones or to help cover your mortgage, our experts will work closely with you to find the right life insurance solution.

We consider your medical history, current health status, and future goals to craft a comprehensive plan that gives you the peace of mind you deserve.

We understand that each person’s situation is different, so we explore a range of possible policies, including the following:

Life Insurance with Medical Conditions

If you’re looking for life insurance with medical conditions, we can take that into account and seek out policies that you, specifically, are eligible for.

Occupational Life Insurance

Potentially hazardous professions are common among men. We can find you occupational life insurance to offer you the security that you need.

Over 50s Life Insurance

If you’re a father growing conscious of your age and keen to leave a lump sum to support your family, over-50s life insurance can offer the peace of mind you’re looking for.

Life Insurance for Dads

Regardless of whether or not you’re the breadwinner or how many children you have, life insurance for dads can make protecting your family’s finances simple.

Term Life Insurance

Term life insurance can cover you within a fixed period of time, meaning that your loved ones can get a payout if you pass away within that time frame.

Whole of Life Insurance

As long as premiums are paid, whole of life insurance can provide complete financial security for your family for your entire life.

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!

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.

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.

How Much Does Men’s Life Insurance Cost?

The cost of life insurance for men can vary depending on several factors, including:

Age

Career

Specific medical conditions

The severity of the conditions

The severity of the conditions Coverage amount desired

Policy type

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

At The Insurance Surgery, we believe in complete transparency regarding pricing. During our initial consultation, we will provide you with a comprehensive overview of the potential costs associated with your life insurance coverage. We aim to help you understand the factors influencing the pricing and make an informed decision that aligns with your financial capabilities and protection needs.

Life Insurance for Men Example Cost

Kai, who is married with two children, applied for a Level Life and Critical Illness Cover. He opted for a 40-year term with a sum assured of £56,000 for both life and critical illness cover.

He currently lives with anxiety and psoriasis and had an alcohol dependency in the past. He also has a family history of type 2 diabetes.

The Insurance Surgery found Kai a suitable policy that matched his requirements:

Total Cover
Amount:

£56,000

Monthly Premium
Cost:

£17.68

Duration of
Policy:

40 Years

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

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 dependants

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.

96.9%

of all protection case claims were paid in 2024

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.

Frequently Asked Questions

Do you need life insurance for a mortgage?

No, when it comes to getting a mortgage in the UK, having life insurance is by no means a necessity. It is a time, however, when many people begin to look into life insurance quotes to protect their family’s financial security. Whilst majority do not, you may find that some mortgage lenders do stipulate that life insurance is required.

How much life insurance do I need?

Your personal life insurance needs are completely unique to your circumstances. For a clearer idea of your life insurance needs, get a quote from one of our experts or submit your information into our Life Insurance Calculator.

Can you have more than one life insurance policy?

Yes, you are able to have more than one ongoing life insurance policy. If you have doubts about your previous policy, however, and are looking for an updated one please speak to a member of our team – we can look at your current policy details and compare them to newer quotes.

If we can find you a better life insurance deal that offers better cover, or lower premiums we will make our recommendations. We will only ever suggest a switch to a new life insurance provider if we think that it is the right option for you.

Do you have to pay taxes on life insurance payouts?

Most life insurance payouts are not taxed in the UK. You may, however, have to consider inheritance tax following the passing of a loved one.

What age should you get life insurance?

There is no correct age to begin considering life insurance. Everyone has their own needs and reasons when it comes to life insurance. Life insurance tends to be cheaper the younger you are, but most people begin to seek out life insurance quotes when they have a long-term partner, children, or a home.

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.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Men’s Life Insurance

What Is Life Insurance for Men?

Cover mortgage payments

Replace your income

Pay funeral costs

Cover bills

Pay outstanding debts

Leave a lump sum for education/lifestyle

How Does Men’s Life Insurance Work?

Life Insurance with Medical Conditions

Occupational Life Insurance

Over 50s Life Insurance

Life Insurance for Dads

Term Life Insurance

Whole of Life Insurance

You should consider life insurance if you have…

Life Cover Terminology

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

How Much Does Men’s Life Insurance Cost?

Age

Career

Specific medical conditions

The severity of the conditions

The severity of the conditions Coverage amount desired

Policy type

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

Life Insurance for Men Example Cost

Total Cover Amount:

£56,000

Monthly Premium Cost:

£17.68

Duration of Policy:

40 Years

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

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

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.

96.9%

of all protection case claims were paid in 2024

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 Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

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!*

Life Insurance for Sports & Hobbies