{"id":364,"date":"2025-12-15T18:13:04","date_gmt":"2025-12-15T18:13:04","guid":{"rendered":"https:\/\/insuredlifestg.wpenginepowered.com\/?p=364"},"modified":"2026-05-20T07:06:25","modified_gmt":"2026-05-20T07:06:25","slug":"marks-and-spencer-life-insurance","status":"publish","type":"post","link":"https:\/\/beelagroup.com\/projects\/insured-life\/marks-and-spencer-life-insurance\/","title":{"rendered":"Marks and Spencer Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"364\" class=\"elementor elementor-364\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0854234 e-con-full e-flex e-con e-parent\" data-id=\"0854234\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a5a467 elementor-widget elementor-widget-image\" data-id=\"5a5a467\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1439\" height=\"8\" src=\"https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2026\/04\/color-border.aa527fb6.png\" class=\"attachment-full size-full wp-image-433\" alt=\"\" srcset=\"https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2026\/04\/color-border.aa527fb6.png 1439w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2026\/04\/color-border.aa527fb6-300x2.png 300w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2026\/04\/color-border.aa527fb6-1024x6.png 1024w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2026\/04\/color-border.aa527fb6-768x4.png 768w\" sizes=\"(max-width: 1439px) 100vw, 1439px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b42f0a0 e-flex e-con-boxed e-con e-parent\" data-id=\"b42f0a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ff0ad44 e-con-full e-flex e-con e-child\" data-id=\"ff0ad44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db3be8d elementor-widget elementor-widget-image\" data-id=\"db3be8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"488\" height=\"188\" src=\"https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Screenshot-2025-12-15-at-21.01.04.png\" class=\"attachment-large size-large wp-image-374\" alt=\"\" srcset=\"https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Screenshot-2025-12-15-at-21.01.04.png 488w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Screenshot-2025-12-15-at-21.01.04-300x116.png 300w\" sizes=\"(max-width: 488px) 100vw, 488px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6214e10 e-con-full e-flex e-con e-child\" data-id=\"6214e10\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-338a559 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"338a559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><\/span><a href=\"https:\/\/beelagroup.com\/projects\/insured-life\"><span class=\"hfe-breadcrumbs-text\">Home<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4038a65 elementor-widget elementor-widget-elementskit-heading\" data-id=\"4038a65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tServices\n\t\t\t\t\t<\/h3><h2 class=\"ekit-heading--title elementskit-section-title \">Marks and Spencer Life Insurance Review <span>- Trusted high street brand<\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-340a21b elementor-align-left e-transform e-transform elementor-widget elementor-widget-button\" data-id=\"340a21b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#compare\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M7 17L17 7M17 7H8M17 7V16\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"#ffffff\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Compare HSBC Life Insurance Quotes for Free<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-249bf8fc e-flex e-con-boxed e-con e-parent\" data-id=\"249bf8fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-790e16ef e-con-full e-flex e-con e-child\" data-id=\"790e16ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51e17df elementor-widget elementor-widget-elementskit-heading\" data-id=\"51e17df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h1 class=\"ekit-heading--title elementskit-section-title \">Marks and Spencer Life  <span>Insurance<\/span><\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c376128 elementor-widget elementor-widget-text-editor\" data-id=\"3c376128\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Marks &amp; Spencer life insurance is sold under the M&amp;S brand but is administered and provided by HSBC Life (UK) Limited, a major UK life insurer. The core aim is to provide a tax\u2011free lump sum if you die during the policy term, or if you are diagnosed with a terminal illness that meets the policy definition while cover is in place. This payout can help loved ones keep up with mortgage repayments, meet day\u2011to\u2011day living costs and maintain financial stability at a difficult time.<\/p><p>Customers are often attracted by the familiar M&amp;S name and the convenience of arranging cover online with a simple application process, sometimes including promotional incentives such as retail gift cards. Insured Life can show you how that proposition compares on price and features with competing policies from other large UK insurers, so you are not relying on brand alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f81126 elementor-align-left e-transform e-transform elementor-widget elementor-widget-button\" data-id=\"4f81126\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#compare\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M7 17L17 7M17 7H8M17 7V16\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"#ffffff\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Free Life Insurance Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23e82b4f e-con-full e-flex e-con e-child\" data-id=\"23e82b4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc85056 elementor-widget elementor-widget-image\" data-id=\"2cc85056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"478\" src=\"https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Marks_and_Spencer_MS_logo_logotype_emblem-1024x612.png\" class=\"attachment-large size-large wp-image-366\" alt=\"\" srcset=\"https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Marks_and_Spencer_MS_logo_logotype_emblem-1024x612.png 1024w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Marks_and_Spencer_MS_logo_logotype_emblem-300x179.png 300w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Marks_and_Spencer_MS_logo_logotype_emblem-768x459.png 768w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Marks_and_Spencer_MS_logo_logotype_emblem-1536x918.png 1536w, https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2025\/12\/Marks_and_Spencer_MS_logo_logotype_emblem-2048x1224.png 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51ba755 e-flex e-con-boxed e-con e-parent\" data-id=\"51ba755\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ca8c9c5 e-con-full e-flex e-con e-child\" data-id=\"ca8c9c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c0da4d9 e-con-full e-flex e-con e-child\" data-id=\"c0da4d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adcbc18 elementor-widget elementor-widget-elementskit-heading\" data-id=\"adcbc18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">What types of Life Insurance do <span>M&amp;S provide<\/span><\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>M&amp;S\u2011branded life insurance focuses on straightforward term life cover designed for family and mortgage protection.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7319142 e-con-full e-flex e-con e-child\" data-id=\"7319142\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-572196e e-con-full e-transform e-flex e-con e-child\" data-id=\"572196e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-15,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5139c5a elementor-widget elementor-widget-heading\" data-id=\"5139c5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Level Term Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a33dc77 elementor-widget elementor-widget-text-editor\" data-id=\"a33dc77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Provides a fixed lump sum if you die or develop a qualifying terminal illness during the policy term, with the amount of cover chosen at the outset and staying the same throughout. This is typically aimed at general family protection and interest\u2011only mortgages.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c421d69 elementor-align-left e-transform e-transform elementor-widget elementor-widget-button\" data-id=\"c421d69\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#compare\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M7 17L17 7M17 7H8M17 7V16\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"#ffffff\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Choose level Term Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68e0626 e-con-full e-transform e-flex e-con e-child\" data-id=\"68e0626\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-15,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17e39f2 elementor-widget elementor-widget-heading\" data-id=\"17e39f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Decreasing Term Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32710cf elementor-widget elementor-widget-text-editor\" data-id=\"32710cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Policies promoted for mortgage protection usually work on a decreasing basis, with the sum insured reducing broadly in line with a repayment mortgage. The intention is that if you die during the term, the payout is sufficient to clear or significantly reduce the outstanding mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-724deb1 elementor-align-left e-transform e-transform elementor-widget elementor-widget-button\" data-id=\"724deb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#compare\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M7 17L17 7M17 7H8M17 7V16\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"#ffffff\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Choose Decreasing Term Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fab5a79 e-flex e-con-boxed e-con e-parent\" data-id=\"fab5a79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c1ce8 elementor-widget__width-initial elementor-widget elementor-widget-elementskit-heading\" data-id=\"d0c1ce8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Policy <span> Benefits<\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac3b53f e-flex e-con-boxed e-con e-parent\" data-id=\"ac3b53f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ec252e7 e-con-full e-flex e-con e-child\" data-id=\"ec252e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f7af40 elementor-widget elementor-widget-heading\" data-id=\"3f7af40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insured-life.co.uk\/level-term-life-insurance\/\">What's Covered<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69b33ed elementor-widget elementor-widget-text-editor\" data-id=\"69b33ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The precise scope of cover is set out in the M&amp;S \/ HSBC Life policy documents, but typical inclusions are:\u200b<\/p><p><strong>Death during the policy term<\/strong>: A cash lump sum is payable if you die during the period of cover, provided premiums are up to date and the claim meets policy conditions.\u200b<\/p><p><strong>Terminal illness (if included)<\/strong>: Many modern term policies pay out early if you are diagnosed with a terminal illness that meets the insurer\u2019s specific definition, generally requiring a limited life expectancy.\u200b<\/p><p><strong>Level or mortgage\u2011linked benefit<\/strong>: Level term policies pay a fixed sum, while mortgage\u2011focused cover is designed so the benefit reduces in line with a repayment mortgage, helping to clear or substantially reduce the outstanding loan on death.\u200b<\/p><p><strong>Single or joint\u2011life payout:<\/strong>\u00a0Single\u2011life policies pay out on the death of the insured person; joint policies normally pay once on the first death, at which point cover ends.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2aac73f e-con-full e-flex e-con e-child\" data-id=\"2aac73f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c83c33 elementor-widget elementor-widget-heading\" data-id=\"5c83c33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insured-life.co.uk\/level-term-life-insurance\/\">What's Not Covered<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fcd55a elementor-widget elementor-widget-text-editor\" data-id=\"1fcd55a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As with all life insurance products, there are exclusions and limitations that may prevent payment in some situations.\u200b<\/p><p><strong>Suicide and deliberate self\u2011harm in the early period:<\/strong>\u00a0There is usually no payout if death within an initial exclusion period (commonly the first year or similar) is due to suicide or intentional serious self\u2011injury, in line with the underlying insurer\u2019s terms.\u200b<\/p><p><strong>Terminal illness outside definition:<\/strong>\u00a0Terminal illness cover will not pay out if your condition does not meet the HSBC Life definition, or if the remaining policy term is too short for terminal illness benefits to apply.\u200b<\/p><p><strong>Lapsed policies:<\/strong>\u00a0If premiums are not maintained and the policy lapses, cover ends and no benefit will be paid; term policies have no cash value if you cancel or outlive the term.\u200b<\/p><p><strong>Any specific exclusions applied after underwriting:<\/strong>\u00a0Depending on your health, lifestyle or occupation, the insurer may apply tailored exclusions or loadings that restrict claims for particular causes of death.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c87927e e-flex e-con-boxed e-con e-parent\" data-id=\"c87927e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-defed1f elementor-widget__width-initial elementor-widget elementor-widget-elementskit-heading\" data-id=\"defed1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">How to get Life <span>Insurance<\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-09de098 e-flex e-con-boxed e-con e-parent\" data-id=\"09de098\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-22fe89c e-grid e-con-full e-con e-child\" data-id=\"22fe89c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e688cbd elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e688cbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-information\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M19.585 7.112c-0.62-0.697-1.586-1.097-2.651-1.097-1.903 0-3.603 1.299-3.791 2.897-0.084 0.731 0.143 1.44 0.639 1.997 0.61 0.684 1.567 1.076 2.628 1.076 1.952 0 3.628-1.273 3.815-2.896 0.084-0.718-0.142-1.42-0.639-1.979zM18.698 8.913c-0.096 0.833-1.144 1.537-2.289 1.537-0.614 0-1.167-0.21-1.481-0.562-0.207-0.232-0.294-0.501-0.26-0.797 0.096-0.82 1.155-1.539 2.265-1.539 0.618 0 1.18 0.217 1.504 0.581 0.142 0.16 0.303 0.425 0.261 0.78zM18.859 23.493c-0.192-0.129-0.641-0.43-0.279-2.523 0.009-0.046 0.046-0.214 0.102-0.476 0.129-0.597 0.369-1.709 0.629-2.949 0.001-0.003 0.001-0.006 0.002-0.008 0.266-1.34 0.055-2.512-0.609-3.39-0.599-0.792-1.549-1.278-2.672-1.368-1.662-0.133-3.4 0.859-3.932 1.835-0.246 0.432-0.128 0.784-0.036 0.956 0.115 0.213 0.283 0.332 0.405 0.419 0.189 0.134 0.631 0.448 0.211 2.536-0.039 0.191-0.625 3.169-0.702 3.592-0.001 0.003-0.001 0.006-0.002 0.009-0.231 1.346-0.003 2.523 0.697 3.372 1.127 1.368 2.841 1.302 2.908 1.302 1.598-0 3.195-0.993 3.682-1.942 0.235-0.439 0.108-0.787 0.010-0.956-0.12-0.209-0.291-0.324-0.416-0.408zM17.808 17.233c-0.259 1.234-0.498 2.341-0.626 2.936-0.087 0.405-0.105 0.487-0.111 0.52-0 0.003-0.001 0.005-0.001 0.008-0.39 2.241 0.005 3.223 0.563 3.771-0.153 0.136-0.362 0.283-0.62 0.417-0.509 0.263-1.073 0.398-1.548 0.373-0.692-0.037-1.241-0.287-1.589-0.722-0.405-0.507-0.537-1.25-0.384-2.15 0.084-0.455 0.67-3.433 0.695-3.552 0-0.003 0.001-0.005 0.002-0.008 0.449-2.23 0.080-3.221-0.464-3.785 0.156-0.132 0.369-0.274 0.631-0.4 0.516-0.249 1.083-0.37 1.557-0.333 0.691 0.055 1.233 0.319 1.569 0.763 0.391 0.517 0.505 1.264 0.328 2.16zM28.726 25.085c2.114-2.537 3.274-5.672 3.274-8.873 0-3.923-1.674-7.608-4.712-10.375-3.019-2.749-7.027-4.262-11.288-4.262s-8.269 1.514-11.288 4.262c-3.039 2.767-4.712 6.451-4.712 10.375s1.673 7.608 4.712 10.375c3.019 2.749 7.027 4.262 11.288 4.262 2.664 0 5.29-0.608 7.617-1.762l5.576 2.088c0.088 0.033 0.179 0.049 0.269 0.049 0.19 0 0.377-0.070 0.521-0.204 0.213-0.197 0.297-0.497 0.218-0.775l-1.475-5.161zM23.839 27.531c-0.204-0.077-0.431-0.063-0.625 0.038-2.184 1.141-4.678 1.744-7.214 1.744-7.975 0-14.464-5.877-14.464-13.101s6.488-13.101 14.464-13.101 14.464 5.877 14.464 13.101c0 3.006-1.095 5.834-3.166 8.178-0.174 0.196-0.235 0.468-0.163 0.72l1.17 4.094-4.466-1.672z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFill in our form\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tJust a few simple questions that should take no more 1 minute to complete. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76bc82d elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"76bc82d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-phone1\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M25.288 20.225c-0.656-0.681-1.444-1.044-2.281-1.044-0.831 0-1.625 0.356-2.313 1.038l-2.131 2.125c-0.175-0.094-0.35-0.181-0.519-0.269-0.244-0.119-0.475-0.238-0.669-0.356-2-1.269-3.819-2.925-5.556-5.063-0.844-1.069-1.412-1.963-1.825-2.875 0.556-0.506 1.069-1.031 1.569-1.537 0.188-0.188 0.381-0.387 0.569-0.575 1.419-1.419 1.419-3.256 0-4.675l-1.844-1.844c-0.206-0.206-0.425-0.425-0.625-0.644-0.406-0.419-0.831-0.85-1.269-1.256-0.656-0.65-1.438-0.994-2.263-0.994s-1.619 0.344-2.294 0.994c-0.006 0.006-0.006 0.006-0.013 0.013l-2.294 2.319c-0.863 0.862-1.356 1.919-1.462 3.138-0.163 1.975 0.419 3.806 0.863 5.013 1.094 2.95 2.731 5.688 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2.281 3.769 5.156 4.3 8.3 0.075 0.444 0.456 0.756 0.9 0.756 0.056 0 0.1-0.006 0.156-0.012 0.488-0.081 0.825-0.556 0.738-1.044z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWe'll call you\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOne of our team will call you to discuss your cover needs in more detail.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee98473 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ee98473\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div 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Once you confirm we will take care of the rest. Simple.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f3ace0 elementor-align-center e-transform e-transform elementor-widget elementor-widget-button\" data-id=\"6f3ace0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#compare\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M7 17L17 7M17 7H8M17 7V16\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"#ffffff\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-342d6b6 e-flex e-con-boxed e-con e-parent\" data-id=\"342d6b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da6d7b7 e-con-full e-flex e-con e-child\" data-id=\"da6d7b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c418809 elementor-widget elementor-widget-heading\" data-id=\"c418809\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insured-life.co.uk\/level-term-life-insurance\/\">How it compares to other UK providers<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6969403 elementor-widget elementor-widget-text-editor\" data-id=\"6969403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>M&amp;S life insurance offers the reassurance of a household\u2011name retail brand combined with the technical backing of HSBC Life, but the product itself is broadly in line with other mainstream term life offerings. It can be good for customers who value simplicity and brand familiarity, especially when combined with occasional promotional incentives, but it is not always the cheapest or most flexible option in the wider UK market.\u200b<\/p><p>Other providers may offer more extensive critical illness options, extra wellbeing services, or sharper pricing for certain ages, occupations or health histories. Some specialist insurers also focus on higher sums assured, non\u2011standard medical histories or more complex family situations where customised underwriting can produce better terms than standard bank\u2011branded policies.\u200b<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aac8bbc e-flex e-con-boxed e-con e-parent\" data-id=\"aac8bbc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87422e7 elementor-widget elementor-widget-elementskit-heading\" data-id=\"87422e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tTestimonial\n\t\t\t\t\t<\/h3><h2 class=\"ekit-heading--title elementskit-section-title \">Trusted Life Insurance  <span> Advisor<\/span><\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>Get expert guidance tailored to your needs. We help you choose the right life insurance plan to<\/p>\n<p>secure your family\u2019s future with confidence and peace of mind.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c475b1 e-flex e-con-boxed e-con e-parent\" data-id=\"4c475b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb5a2d3 elementor-widget elementor-widget-text-editor\" data-id=\"cb5a2d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<link data-noptimize=\"1\" data-no-optimize=\"1\" data-no-minify=\"1\" data-no-defer=\"1\" rel=\"stylesheet\" href=\"https:\/\/beelagroup.com\/projects\/insured-life\/wp-content\/uploads\/trustindex-google-widget.css?1792410952\" 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tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Previous review\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div data-empty=\"1\" data-time=\"1758672000\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjW2fe5HJLDEz8bSuUgTyHpP35E2R1qfS2ZNGtLGEB562z95Eo-c=w40-h40-c-rp-mo-ba3-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjW2fe5HJLDEz8bSuUgTyHpP35E2R1qfS2ZNGtLGEB562z95Eo-c=w80-h80-c-rp-mo-ba3-br100 2x\" alt=\"Scott Fancett profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Scott Fancett <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1758585600\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVA5nKhthKv2KitDolzN3XbTjRC1JvNHyCGpAWez7ZnXfN_D8Y=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVA5nKhthKv2KitDolzN3XbTjRC1JvNHyCGpAWez7ZnXfN_D8Y=w80-h80-c-rp-mo-br100 2x\" alt=\"Morphey profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Morphey <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Perfection. Nothing more to it. Highly recommend.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1758499200\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI7sOqGA0BKmSqXC-rosfUplI4kpBYEoCmy_AiA_A0ynYzpbg=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI7sOqGA0BKmSqXC-rosfUplI4kpBYEoCmy_AiA_A0ynYzpbg=w80-h80-c-rp-mo-br100 2x\" alt=\"Nigel Rowe profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Nigel Rowe <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Fantastic to see all of the recent reviews following the change in ownership. We will keep on doing what we do best, listen, offer best advice and deliver on our promises.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1758153600\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocK3K8h_faq4JfdPk_2XN84GD_weTkPlTKrvj77GYyWwMBD8ng=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocK3K8h_faq4JfdPk_2XN84GD_weTkPlTKrvj77GYyWwMBD8ng=w80-h80-c-rp-mo-br100 2x\" alt=\"Wayne Shinn profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Wayne Shinn <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->First class service, very knowledgeable explained all the covers and no pressure sales. Just wanted to ensure you had the right cover to protect you and your family.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1758067200\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJst6b3ZEXFaYngQL2KccAFNg-N7dk3S2Bk6_WUPksFqSTv0w=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJst6b3ZEXFaYngQL2KccAFNg-N7dk3S2Bk6_WUPksFqSTv0w=w80-h80-c-rp-mo-br100 2x\" alt=\"Gerrard Ward profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Gerrard Ward <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Great service.&#010;Clear concise details of policies, costs and benefits and always available for any additional info requested or clarification calls. No hassle service service with no pressure to jump in and sign until you are completely satisfied with offering.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1757980800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLlFYOFClipfyfT7mL83cT1a937YNz-JYFpJR6TlWHD-3HJUg=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLlFYOFClipfyfT7mL83cT1a937YNz-JYFpJR6TlWHD-3HJUg=w80-h80-c-rp-mo-br100 2x\" alt=\"Kelly profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Kelly <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Received a call from Nigel having entered my details online.&#010;Being a single mum I wasn\u2019t sure what was best; I was advised on all options available for me.&#010;All info was sent to me via email for my perusal and this was followed up with a call.&#010;Nigel was very professional, not pushy at all! I very much trusted his advice; and I have since gone on to recommend him to my family and friends.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1757980800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVd2IcthLKAD2G76aHcX0weY5H7WXcUOefhhcmDWVjLjpWGySKB=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVd2IcthLKAD2G76aHcX0weY5H7WXcUOefhhcmDWVjLjpWGySKB=w80-h80-c-rp-mo-br100 2x\" alt=\"Danny Israel profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Danny Israel <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Incredibly helpful, knowledgeable and professional.&#010;All questions answered in a timely manner, with no pressure applied.&#010;Highly recommend Nigel and the team.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1757980800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJziB6r6woh2q9Zn2sgkn8VBNXg5yeCVpHiWsa-orncRk0oxQ=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJziB6r6woh2q9Zn2sgkn8VBNXg5yeCVpHiWsa-orncRk0oxQ=w80-h80-c-rp-mo-br100 2x\" alt=\"Jake Dewhirst profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Jake Dewhirst <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->I have a 1 year old son so know I needed some insurance in case anything happened to me. I enquired through their website and received a call.&#010;&#010;The advice offered was clear and made very simple. I believed that they genuinely had my best interests in mind when offering a solution.&#010;&#010;I was sent an email and given time to decide which policy to opt for. There was no pressure and at no point did I feel rushed or obligated.&#010;&#010;Policies taken out and very happy with service received.&#010;&#010;Would not hesitate to recommend these guys.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1757548800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIJ87Cti2O2Sms-pNt1enX8Zs7D_0G_6JKPQ3S9hMciK45s1g=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIJ87Cti2O2Sms-pNt1enX8Zs7D_0G_6JKPQ3S9hMciK45s1g=w80-h80-c-rp-mo-br100 2x\" alt=\"Cameron profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Cameron <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->I enquired for some quotes and got a call back the same day. They were extremely helpful and recommended me the best options and quotes for my circumstances. I wanted to change from my past insurer due to issues trying to get in contact, however over the last 6 months of using now Insured Life I will never look back. Never have issues getting in contact, any worries or questions I have get answered honestly and quickly and also the friendliest and most understanding insurer I\u2019ve spoken to. Will 100% recommend this insurer to anyone looking for support.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1757548800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-img\"> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIgD8MpCFpv9ikrDpT46WI5d9n-XMM6C1ylq6L6mFSdA2rcmw=w40-h40-c-rp-mo-br100\" srcset=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIgD8MpCFpv9ikrDpT46WI5d9n-XMM6C1ylq6L6mFSdA2rcmw=w80-h80-c-rp-mo-br100 2x\" alt=\"Peter Ward profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Peter Ward <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->The policy was discussed with me in detail and very clearly so I knew exactly what was covered in my plan. Brilliant service helped me find the best deal possible, I would highly recommend.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div>    <\/div> <\/div> <\/pre><pre class=\"ti-hidden-markup\" hidden style=\"display: none\"><script>\n(function () { if (window.tiLoaderFallback) { return; } window.tiLoaderFallback = true; function tiLoadLoader() { if (window.TrustindexWidget || document.querySelector('script[src*=\"https:\/\/cdn.trustindex.io\/loader.js\"]')) { return; } let script = document.createElement(\"script\"); script.async = true; script.src = \"https:\/\/cdn.trustindex.io\/loader.js\"; script.setAttribute(\"data-ccm-injected\", \"1\"); document.head.appendChild(script); } if (\"loading\" === document.readyState) { document.addEventListener(\"DOMContentLoaded\", tiLoadLoader); } else { tiLoadLoader(); } })();\n<\/script>\n<\/pre>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-805a814 e-con-full e-flex e-con e-parent\" data-id=\"805a814\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85eb0e4 elementor-widget__width-initial elementor-widget elementor-widget-elementskit-heading\" data-id=\"85eb0e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Our Verdict<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14dcab5 e-flex e-con-boxed e-con e-parent\" data-id=\"14dcab5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5bb71eb e-con-full e-flex e-con e-child\" data-id=\"5bb71eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-de49e02 e-flex e-con-boxed e-con e-child\" data-id=\"de49e02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-039b250 elementor-widget elementor-widget-text-editor\" data-id=\"039b250\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Marks &amp; Spencer life insurance offers simple, recognisable branded cover backed by a large, reputable life insurer, making it a credible option for straightforward needs like mortgage protection and family lump\u2011sum cover. The combination of an easy application process, familiar branding and occasional promotional incentives can be attractive if you prioritise convenience and trust in the M&amp;S and HSBC names.<\/p><p>However, M&amp;S is not unique in the type of cover it provides, and there is nothing inherently superior about bank or retailer-branded life insurance compared with policies from specialist protection providers. For many customers, other insurers may offer lower premiums, broader optional critical illness cover or more flexible underwriting, especially where health or lifestyle factors are more complex.<br \/><br \/>Insured Life remains independent and does not favour M&amp;S; instead, it compares M&amp;S quotes across the whole market so you can decide whether Marks &amp; Spencer life insurance delivers the right balance of cost, features and reassurance, or whether another provider is a better fit for your needs and budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcd0149 elementor-align-left e-transform e-transform elementor-widget elementor-widget-button\" data-id=\"dcd0149\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#compare\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M7 17L17 7M17 7H8M17 7V16\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"#ffffff\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Free Life Insurance Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c60c78 e-con-full e-flex e-con e-child\" data-id=\"9c60c78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31d4aec e-flex e-con-boxed e-con e-parent\" data-id=\"31d4aec\" data-element_type=\"container\" data-e-type=\"container\" id=\"compare\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-464b428 e-con-full e-flex e-con e-child\" data-id=\"464b428\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b783474 e-transform e-transform elementor-widget elementor-widget-elementskit-heading\" data-id=\"b783474\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Compare Life <span>Insurance Quotes<\/span><\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>Comparing life insurance quotes is the smartest way to find the right level of protection at the best price. Whether you're looking for term life insurance, whole life cover, or critical illness protection, our expert advisors help you compare multiple policies from trusted UK providers \u2014 all in one place.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ef12f8 elementor-align-left e-transform e-transform elementor-widget elementor-widget-button\" data-id=\"2ef12f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M7 17L17 7M17 7H8M17 7V16\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"#ffffff\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Your Comparison<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e43b92 e-con-full e-flex e-con e-child\" data-id=\"5e43b92\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a74fe3 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"5a74fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"208\" src=\"https:\/\/www.insured-life.co.uk\/wp-content\/uploads\/2026\/04\/notepad.svg\" class=\"attachment-large size-large wp-image-771\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb85a8 my-form elementor-widget elementor-widget-html\" data-id=\"3fb85a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f720-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"720\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/projects\/insured-life\/wp-json\/wp\/v2\/posts\/364#wpcf7-f720-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"720\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f720-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label>What type of cover are you enquiring about?<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"select-insurence\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"select-insurence\"><option value=\"Life Insurance\">Life Insurance<\/option><option value=\"Income Protection\">Income Protection<\/option><option value=\"Critical Insurance Cover\">Critical Insurance Cover<\/option><\/select><\/span>\n<\/p>\n<div class=\"margin-bottom\">\n<\/div>\n<div class=\"full-column\">\n\t<p><label>Is this policy just for you, or for you and someone else? *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"radio-492-single\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><input type=\"radio\" name=\"radio-492-single\" value=\"Single\" \/><span class=\"wpcf7-list-item-label\">Single<\/span><\/span><span class=\"wpcf7-list-item last\"><input type=\"radio\" name=\"radio-492-single\" value=\"Joint\" \/><span class=\"wpcf7-list-item-label\">Joint<\/span><\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n<div class=\"full-column\">\n\t<div class=\"flex-column\">\n\t\t<p><label>Prefix <\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"select-prefix\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"select-prefix\"><option value=\"Mr.\">Mr.<\/option><option value=\"Mrs.\">Mrs.<\/option><option value=\"Ms.\">Ms.<\/option><option value=\"Mx.\">Mx.<\/option><option value=\"Miss\">Miss<\/option><option value=\"Dr.\">Dr.<\/option><option value=\"Prof.\">Prof.<\/option><\/select><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"flex-column\">\n\t\t<p><label>First Name *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"text-183\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required lettersonly\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"text-183\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"flex-column\">\n\t\t<p><label>Last Name *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"text-693\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required lettersonly\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"text-693\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"full-column\">\n\t<div class=\"flex-column\">\n\t\t<p><label>Date of Birth *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"text-980\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"text-980\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"flex-column\">\n\t\t<p><label>Email *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email-735\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"email-735\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"flex-column\">\n\t\t<p><label>Telephone *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-217\"><input size=\"40\" maxlength=\"11\" minlength=\"10\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel number\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"tel-217\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"full-column\">\n\t<p><label>Consent *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"checkbox-779\"><span class=\"wpcf7-form-control wpcf7-checkbox consent\"><span class=\"wpcf7-list-item first last\"><label><input type=\"checkbox\" name=\"checkbox-779[]\" value=\"Yes, I agree with the privacy policy and terms and conditions and consent to Multi Quote Ltd contacting me about my enquiry.\" \/><span class=\"wpcf7-list-item-label\">Yes, I agree with the privacy policy and terms and conditions and consent to Multi Quote Ltd contacting me about my enquiry.<\/span><\/label><\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Get A Quote\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div> \n","protected":false},"excerpt":{"rendered":"<p>Home Services Marks and Spencer Life Insurance Review &#8211; Trusted high street brand Compare HSBC Life Insurance Quotes for Free Marks and Spencer Life Insurance Marks &amp; Spencer life insurance is sold under the M&amp;S brand but is administered and provided by HSBC Life (UK) Limited, a major UK life insurer. The core aim is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[19],"tags":[],"class_list":["post-364","post","type-post","status-publish","format-standard","hentry","category-life-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Independent review of Marks and Spencer life insurance backed by HSBC Life. 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