Cheap Life Cover For Women

WWW.LIFECOVERFORWOMEN.CO.UK

Rates last update: 18 October 2019

Cheap life cover for women is ideal for providing financial protection to loved ones who may otherwise face financial worries after bereavement.

If you are at home looking after your family or working in a career and bringing home a wage, the financial impact of an early death can be devastating for your loved ones.

Taking child care as an example, if a mum passes away then replacing even on a practical level the support she provided is very costly to say nothing of the emotional support that is missing. In these circumstances then the father would give up permanent work to provide the help the family needs which is where the lump sum from a life cover would come in.

Thankfully life cover for women is cheap and it’s usually just a question of getting round to it!

We have compiled a table of typical life cover amounts over different terms and ages. We have also included a ‘whole of life’ insurance too, this is a type of cover that lasts forever, (that’s until you die). It’s a little more expensive as it guarantees a payout compared to term life cover that will only payout if you die during the specified number of years. It’s always best to get your own quote for life cover using your own date of birth.

Cheap Life Cover For Women – Non-Smoker Rates (which means you haven’t used any tobacco products or e-cigarettes within the last 12 months)
£50,000 Life Cover For Women10 Year Term15 Year Term20 Year Term25 Year Term30 Year Term35 Year Term40 Year Term45 Year Term50 Year TermWhole Of Life
Age 30 (n/s)£3.72£3.76£3.79£3.91£4.17£4.36£4.94£5.59£6.64£31.88
Age 35 (n/s)£4.11£4.26£4.39£4.52£5.09£5.37£6.50£7.36£9.02£36.21
Age 40 (n/s)£4.72£5.03£5.25£6.02£6.84£7.81£8.88£10.90£15.08£43.52
Age 45 (n/s)£5.81£6.56£6.86£7.92£9.06£11.31£13.98£18.42N/A£53.06
Age 50 (n/s)£7.27£8.37£9.74£11.31£14.06£18.49£24.29N/AN/A£63.70
Last Updated: 18 October 2019 (Source: PayingTooMuch.com)

£200,000 Life Cover For Women10 Year Term15 Year Term20 Year Term25 Year Term30 Year Term35 Year Term40 Year Term45 Year Term50 Year TermWhole Of Life
Age 30 (n/s)£6.35£6.47£6.90£7.66£8.46£10.06£10.85£13.11£15.91£112.94
Age 35 (n/s)£7.62£8.48£9.26£9.95£11.44£13.99£15.96£20.10£27.25£130.66
Age 40 (n/s)£10.52£11.64£12.63£15.43£18.32£21.81£26.46£33.00£46.65£159.52
Age 45 (n/s)£14.67£16.94£19.43£23.27£28.80£34.43£45.08£58.95N/A£197.17
Age 50 (n/s)£21.91£25.40£30.32£37.13£48.35£61.48£80.43N/AN/A£239.18
Last Updated: 18 October 2019 (Source: PayingTooMuch.com)


Cheap Life Cover For Women – Smoker Rates (which means you’ve used tobacco products or e-cigarettes within the last 12 months)
£50,000 Life Cover For Women10 Year Term15 Year Term20 Year Term25 Year Term30 Year Term35 Year Term40 Year Term45 Year Term50 Year TermWhole Of Life
Age 30 (s)£4.69£4.87£4.97£5.29£5.92£6.67£7.05£8.18£10.72£39.69
Age 35 (s)£5.54£5.62£6.09£6.96£7.99£8.77£10.69£12.86£16.63£45.88
Age 40 (s)£6.81£7.64£8.54£10.41£11.86£14.10£16.36£20.26£25.97£53.88
Age 45 (s)£9.37£11.59£13.02£15.70£18.63£22.56£26.63£32.37N/A£67.47
Age 50 (s)£14.43£17.78£20.77£25.56£30.12£37.01£42.17N/AN/A£82.74
Last Updated: 18 October 2019 (Source: PayingTooMuch.com)

£200,000 Life Cover For Women10 Year Term15 Year Term20 Year Term25 Year Term30 Year Term35 Year Term40 Year Term45 Year Term50 Year TermWhole Of Life
Age 30 (s)£9.92£10.49£11.28£12.72£14.31£17.82£19.39£24.89£30.89£134.44
Age 35 (s)£13.37£14.26£15.80£18.69£23.43£28.17£32.35£39.00£50.67£164.45
Age 40 (s)£19.56£22.72£26.99£32.49£38.47£45.89£53.59£65.96£80.54£198.50
Age 45 (s)£30.85£36.38£43.84£53.07£63.90£78.08£86.63£106.97N/A£246.19
Age 50 (s)£48.60£62.73£74.37£89.69£108.78£129.03£147.02N/AN/A£303.73
Last Updated: 18 October 2019 (Source: PayingTooMuch.com)<

Men and Women Pay The Same For Life Cover
Since the beginning of 2013 the European court has forced life insurance companies to charge men and women the same life cover premiums even though on average women live longer than women and should have lower premiums.

What the insurers can still do however is alter the premiums based upon your occupation. It has long been the practice to increase premiums for jobs that carry an increased level of risk, in particular where applicants work offshore or underground. There has been speculation that this might now be used to target gender by rating the more male or more female orientated occupations in the same way but we haven’t seen this practice deployed to any major extend yet.

Smoking Increases The Cost Of Life Cover For Women
Smoking damages your health and (on average) smokers don’t live as long as non-smokers. The effect of smoking on death rates is less pronounced for younger lives and more pronounced for older lives particularly where the smoking has been a habit for many years. The tables of rates show the relative differences between non-smokers and smokers, (which now included e-cigarettes). Interestingly you only need to stop smoking for 12 months to get the non-smoker rates, even if you’ve smoked for 30 years until that point, so it’s far from a perfect rating system (shopping around is best).