FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Search

logonew png
Get a Quote
logonew png
Get a Quote

Life Insurance for Women

Find the best life insurance policies tailored to the needs of women with the support of The Insurance Surgery. Trust us to take the time to find you a quote that best suits your unique circumstances.

Get a Quote
Trustpilot

What Is Life Insurance for Women?

Life insurance for women is a lump sum payment made to your chosen beneficiaries (people who will receive the payout) in the event of your untimely passing.

It doesn’t matter whether you are a young professional, a dedicated stay-at-home mom, or a retiree enjoying your golden years; by securing a life insurance policy suited to your specific circumstances, you can rest assured that your family’s future is protected.

Life insurance can help to support your loved ones with:

Bills

Income replacement

Funeral costs

Education/hobbies

Rental payments

Outstanding mortgage

For your family to go on holiday

How Does Women’s Life Insurance Work?

STEP 1
Title
STEP 2
Title
STEP 3
Title
STEP 4
Title
STEP 5
Title

At The Insurance Surgery, we believe every woman deserves comprehensive life insurance cover, regardless of age, medical condition, or occupation. One of our dedicated advisors will work closely alongside you to determine which policy type is best suited to your specific circumstances.

Every person’s situation is individual to them, which is why we work hard to match you up with the insurance that considers your needs best. These could be: 

Life Insurance with Medical Conditions

If you’re living with an illness, or had one in the past, life insurance with medical conditions can offer you cover that takes your medical history into account.

Find Out More

Occupational Life Insurance

If you work in a hazardous profession with a higher risk of injury or illness, occupational life insurance may be ideal for providing the security you need.

Find Out More

Over 50s Life Insurance

Are you a mother keen to leave behind a healthy lump sum for your children? Over 50s life insurance can offer the peace of mind you’re looking for.

Find Out More

Life Insurance for Mums

It doesn’t matter whether you’re a single mum or the key breadwinner; you can protect the financial security of your family with life insurance for mums.

Find Out More

Whole of Life Insurance

Achieve complete financial security for your loved ones with whole of life insurance. This covers you for the rest of your life as long as premiums are paid.

Find Out More

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!

Get a Quote
  • 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 Women’s Life Insurance Cost?

Women’s life insurance costs vary based on several factors, including:

Age

Health status

Desired coverage amount

Policy duration

The length of your policy

Your occupation

Medical conditions

To ensure transparency and personalised service, our advisors will work closely with you to obtain accurate quotes from leading insurance providers. We consider your unique circumstances and requirements, enabling us to present you with tailored options that align with your needs and financial means.

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

Life Insurance for Women Example Cost

Priti was looking for life cover to support with paying off the mortgage. Priti has two children aged 4 & 7.

She was previously declined life insurance by a comparison website due to the medical condition Supraventricular Tachycardia (SVT) and a family history of heart disease.

We were able to find Priti an affordable policy for her desired cover amount and term.

Policy Type: Decreasing life insurance 

We found Priti the policy below:

Total Cover
Amount:

£210,000

Monthly Premium
Cost:

£11.02

Duration of
Policy:

25 years

Untitled design (62)
Get a Quote

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
Get a Quote
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

Frame 119 png

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>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

How much coverage do I need as a woman?

Your income, ongoing debts, dependents, and future financial responsibilities all play a role in determining the proper coverage. Our advisors will carefully assess your unique circumstances and provide personalised recommendations to protect your loved ones during your passing.

Yes, absolutely. You can get life insurance both during and after pregnancy if you’re keen to protect the financial future of your family. This process won’t differ hugely from a non-pregnant person getting life insurance, although the insurer may need to ask certain more specific questions regarding your pregnancy prior to offering a quote.  

Everyone has their own reasons for seeking out life insurance, but many people like to find a policy after they begin to build a family. Some women will get life insurance after marriage, whilst others will wait until they have children in order to best protect the financial security of their family should they pass away.

Most insurance plans have a lapse period, typically 30 to 60 days, during which you can make up for a missed premium payment without affecting your coverage. However, it’s essential to maintain regular payments to avoid potential lapses or policy termination. Our advisors can guide you through the process and explore options to ensure uninterrupted protection.

Every woman’s journey is unique, and their insurance needs are equally diverse. At The Insurance Surgery, we take pride in offering life insurance solutions that address your specific requirements. We provide clear explanations for each policy type, offer a range of options from mainstream providers to niche insurers and allocate you with a dedicated adviser.

We are passionate about making insurance simple and finding the best policies that we genuinely believe will benefit the individual. So rely on The Insurance Surgery today and enjoy peace of mind for the future.

Life insurance is unique – just like you.

Life Insurance for Parents

Find Out More

Life Insurance for Dads

Find Out More

Life Insurance for Sports & Hobbies​

Find Out More

Life Insurance for Self-Employed

Find Out More

Income Protection

Find Out More

Life Insurance for Smokers

Find Out More

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.
View more
  • 9 April 2025

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…
Continue Reading
  • 21 February 2025

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…
Continue Reading
  • 21 February 2025

Understanding Inheritance Tax (IHT) and Life Insurance

Inheritance Tax (IHT) is a tax levied on the transfer of wealth after someone passes…
Continue Reading
  • 31 January 2025

Is Over 50s Life Insurance Worth It?

Over 50s life cover works slightly differently from regular life insurance. The main criteria are…
Continue Reading
  • 9 April 2025

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…
Continue Reading
  • 21 February 2025

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…
Continue Reading
  • 21 February 2025

Understanding Inheritance Tax (IHT) and Life Insurance

Inheritance Tax (IHT) is a tax levied on the transfer of wealth after someone passes…
Continue Reading
  • 31 January 2025

Is Over 50s Life Insurance Worth It?

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

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
logonew png

Products & Services

Helpful Links

Contact Us

Follow Us

Twitter Linkedin-in Facebook-f Youtube

Follow Us

Twitter Linkedin-in Facebook-f Youtube
logonew png

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.