What is Instant Life Insurance?

Instant Life Insurance is a quick and easy coverage option in the UK, which often does not require a medical test. Many UK insurers now offer faster online applications with instant underwriting so that people can get a life insurance policy within minutes. Some policies, such as the Over 50s plan, offer guaranteed acceptance with no health or medical questions. If you are looking for instant life insurance quotes or easy life insurance instant coverage, these policies are designed to provide faster financial protection to secure your family’s future in minutes.

53 Partners Insurance Partners

13.2 Crore Registered Consumer

6.29 Crore Policies Sold

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₹2 Crore Life cover starting from

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How to Get Instant Life Insurance?

Option	How It Works	Best For
Apply Online	Compare instant life insurance quotes online and apply in minutes. Many UK insurers offer quick approval, and life insurance instant cover starts as soon as they accept your application.	People in good health who want a fast and simple process.
Apply With Expert Support	Speak to an expert to compare policies and get help with your application. Life insurance instant coverage may start as soon as you are approved.	People who want guidance or have medical conditions or higher-risk jobs.

Also read: what is term life insurance for NRIs?

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Why Do You Need Instant Life Insurance?

Instant Life Insurance can give your loved ones instant help and quick support during tough times, providing financial protection to pay bills and expenses and to give your family peace of mind and security.

Here are the following reasons why life insurance coverage is beneficial in providing financial security for your family:

Life Insurance instant coverage can provide a payout to repay mortgages and other unpaid debts.
This payout also offers financial help for your family to meet their daily living cost without any stress.
It also helps in covering children's costs and higher education and school fees.
Life insurance instant coverage can also offer a payout to cover funeral costs.

Affordable life insurance policies can be found online, allowing you to secure coverage quickly without lengthy processes.

Can You Get Life Insurance With No Waiting Period?

Yes, instant life insurance plans in the UK will offer you protection immediately once your application is approved. This means your life insurance fast protection starts immediately for natural and accidental death.

However, the waiting time for natural death claims for over 50s insurance is 12 to 24 months. Accidental death typically pays promptly. If death occurs within the waiting time due to natural causes, the premiums paid are usually repaid, rather than the entire insurance amount.

If you want life insurance quick coverage with no waiting time, then term life insurance or whole life insurance are acceptable possibilities.

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

Compare 40+ plans from 15 Insurers

⁺Standard T&C Applied

What Factors Determine the Cost of Instant Life Insurance Premiums?

The amount of your monthly premiums depends on the information that you provide and your personal circumstances.

The exact amount will be based on the following factors:

Your health is one of the most important factors in determining your monthly life insurance instant cover premiums.
Your lifestyle habits such as alcohol consumption or smoking can increase the price of premiums, as these are considered high risk.
The type of cover you and the amount of cover you choose will be considered to estimate the premium prices.
Your age is another important factor your insurer will consider.

Read about life insurance for self-employed individuals.

What is Free Instant Life Insurance?

Some UK insurers can offer you free instant life insurance cover if they can't give you an immediate decision on your life insurance. Usually, individuals can get a desired cover quickly and easily, but sometimes the insurer needs additional information before completing the insurance application.

The additional information involves the following:

A Medical Report
A Medical Exam
A Mini Screening

What is Instant Life Insurance with Critical Illness Cover?

A critical illness cover provides a lump sum payout in case the policyholder is diagnosed with a serious illness.

These Illnesses include:

Complete Deafness
Complete Blindness
Parkinson's Disease
Permanent Disability

This payout can help you and your family cover the following costs if you are unable to work due to the illness.

Offer cover to make rent payments
Financial support to meet living expenses and bills
Provides payout to pay medical bills

What is Instant Life Insurance with Terminal Illness Cover?

A terminal illness cover is provided if you get diagnosed with a terminal disease. Policyholder has an option to make an early claim on their policy if they have less than 12 months to live.

Below mentioned illnesses are covered:

Cancer
AIDs
Liver Disease
Kidney Disease
Heart Disease

The payout from this policy can help your family cover the following:

Medical Fees
Funeral Costs
Home Carer Fees

Other Policies You Can Consider

Level Term Life Insurance: This insurance policy provides a fixed amount of sum assured and is usually taken out to cover living costs or a mortgage. With Level Term Insurance ,the payout is given to the family in case the insured passes away during the policy term.

Decreasing Term Level Insurance: This insurance policy is usually purchased for homeowners who want to repay their mortgage with affordable policy options. The payout on decreasing term insurance reduces as your mortgage is paid.

Over 50s Plan: This 50+ life insurance policy covers applicants from 50 to 85, with no medical questions or tests even if they are diagnosed with any previous medical condition.

Whole Life Insurance: A whole life insurance policy provides coverage for life, and a guaranteed payout is made to your family if you pass away.

Read about the best term insurance plans in India.

Wrapping It Up!

Instant Life Insurance provides a quick and easy way to financially protect your family. This life insurance coverage can assist you in managing your daily expenses like debts and other costs. Comparing instant life insurance quotes can help find the right level of cover.

People also search for

What is Term Life Insurance

FAQ's

Q: What is Instant Life Insurance?

A: Instant life insurance is a type of insurance policy that is available quickly and easily.
Q: Can you get life insurance if you have cirrhosis?

A: It depends on your cirrhosis conditions; if it is severe, the insurer can deny your life insurance or can charge higher premiums.
Q: Does life insurance cover parkinsons?

A: Yes, a life insurance policy can cover Parkinson’s disease.
Q. Can you get instant life insurance with no waiting period?

A: Yes, many UK instant life insurance policies provide immediate cover once your application is approved by the insurer.
Q: Can I get life insurance if I have melanoma?

A: Yes, it is possible for individuals with melanoma to get a life insurance policy; however, there can be some extra considerations.

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.