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Life insurance for young adults from just 20p a day. Protect your loved ones without breaking the bank.

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Why Buy Young?

The smartest financial decision you can make in your 20s.

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Lowest Possible Rates

Premiums are based heavily on age and health. Locking in a rate now means paying significantly less for the next 30 years.

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Family Protection

If you have a partner or young children, a small monthly payment ensures their financial stability if you aren't around.

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Cover Debts

From student loans to credit cards or a new mortgage, ensure your debts don't become someone else's burden.

Who Is This For?

You might need life insurance more than you think.

New Homeowners

Just bought your first flat or house? A life insurance policy can pay off the mortgage balance, meaning your partner won't lose the roof over their head.

New Parents

Raising a child to 18 costs over £200k. If your income stopped tomorrow, how would they cope? Life cover replaces that lost income.

Cohabiting Couples

If you share rent and bills, the loss of one salary could be devastating. Protect your shared lifestyle with a joint or single policy.

Debt Holders

Don't leave co-signers or family members responsible for your personal loans or car finance. Cover the balance easily.

Types of Cover Available

Level Term Assurance

The payout amount remains fixed. If you insure for £100,000, your family gets £100,000 whether you claim in year 1 or year 20.

Decreasing Term

Designed for repayment mortgages. The payout decreases over time as your mortgage balance goes down. Often the cheapest option.

Critical Illness

An optional add-on that pays out a tax-free lump sum if you are diagnosed with a specified serious illness like cancer, heart attack, or stroke.

Young professionals planning

Why Choose First Life Cover?

We streamline the process of finding the right protection.

  • Compare quotes from top UK providers (Aviva, L&G, Zurich, etc).
  • Free Trust service available with most policies to avoid probate.
  • No obligation quotes - 100% free comparison service.
  • Expert support from a UK-based team.

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How It Works

1

Get a Quote

Enter your details in our secure form.

2

Compare

We search the whole market for the best price.

3

Protect

Start your policy and enjoy peace of mind.

Frequently Asked Questions

Is life insurance expensive for young adults?

Not at all. In fact, it is the cheapest time to buy. Policies can start from as little as £5 per month depending on your health and smoking status.

Do I need a medical exam?

In most cases, no. Insurers will ask health questions during the application. A medical exam is usually only required if you have pre-existing conditions or request a very high cover amount.

What if I smoke?

You can still get covered, but premiums will be higher than for non-smokers. However, if you quit for 12 months, you can often re-apply for cheaper rates.

Can I cancel anytime?

Yes. Life insurance is a monthly contract. You can cancel at any time without penalty, though you will no longer be covered and won't get money back.

Ready to secure your future?

Join thousands of young adults saving money on life insurance.

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