Life insurance
in 10 minutes

£2M in coverage
starts at £2/day
2,114 families
approved today
No medical exams or blood tests
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Spirit has brought me so much relief knowing my family will be taken care of

*35% of the UK population currently have a life insurance policy

THE #1 ADDED BENEFIT LIFE INSURANCE PROVIDER IN THE UK

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Do you have a will?

Spirit has you covered. Eligible policies include a free will & more worth £898. All life insurance from Spirit is put in trust to protect you and your family.

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Life insurance made easy

See how Spirit is changing the way people buy life insurance.

Traditional life insurance
Free will and trust
Instant underwriting
Trusted carriers
Dedicated personal advisor
Instant coverage
No medical exams

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Frequently asked questions

The amount of life insurance you need depends on your life - think mortgage, debts, or family living costs. A common rule is 10 times your annual income, but at Spirit, we tailor it to you with a personal advisor, ensuring your loved ones get what they need, tax-smart and benefit-packed.

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It’s not mandatory, but it’s smart - mortgage protection ensures your loved ones keep the home if you’re gone. Spirit goes beyond basics with decreasing or level cover, plus free trusts and extras like GP 24/7, all at standard prices.

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Life insurance pays a lump sum when you pass - covering debts, funeral costs, or a legacy. Spirit’s plans can throw in terminal illness cover, trusts to skip tax, and perks like global treatment, making it more than just a payout.

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Costs vary - age, health, and cover amount play a role - but UK averages hover around £38 for £152,000 cover. Spirit keeps it affordable, matching standard rates while adding trusts and benefits traditional plans skip.

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Yes, especially if you’re over 50! Spirit’s guaranteed payout plans skip medicals - just a few questions - and start from day one, with trusts and extras traditional over-50s plans don’t offer.

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Missed payments usually lapse your policy, losing cover. With Spirit, your advisor can tweak your plan to fit your budget - keeping you protected with trusts and benefits intact.

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If no one depends on you, maybe not - but debts or funeral costs could burden others. Spirit’s plans, with trusts and perks, make it worth considering, even for singles wanting to leave a mark.

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Absolutely - Spirit works with you, not against you. We assess your health honestly, offering tailored cover with trusts and benefits, even if traditional insurers hesitate.

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Term covers a set period; whole of life lasts forever. Spirit’s whole of life adds trusts and extras like physio support, while our term plans fit shorter needs - all personalised by your advisor.

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Without a trust, your payout could face 40% tax over £325,000. Spirit places every policy in trust for free - skipping the estate, dodging tax, and leaving more for your loved ones.

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