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How it works
Tell us about you
Answer some quick questions about your circumstances to help us more accurately calculate your quote.
Compare your deals
We will match you to a life insurance provider that can give you the best deal for your needs.
Get your life insurance for less
Your life insurance provider will contact you within 24hrs with a quote and to discuss the next steps.
A quick and easy service that helped me find a better deal than anywhere else - I’ll be using Spotdif again!
Vaughn P., 17 March 2023
What is life insurance?
The most straight forward type of life insurance would pay out the selected amount of money if the person insured dies. Cover is often taken out to provide a lump sum for your loved ones or to pay off an outstanding mortgage in the event of your death
- PROVIDE FINANCIAL SECURITY FOR LOVED ONES
- COMPENSATE FOR A LOSS OF EARNINGS
- COMPENSATE FOR FUNERAL COSTS
- REDUCE THE DISRUPTION OF LOSING A LOVED ONE
- PAY OFF OUTSTANDING DEBTS
- PEACE OF MIND YOUR LOVED ONES ARE SECURE
Choose the policy right for you
Term life insurance
A life cover policy that runs for a specified amount of time, or ‘term’
Whole life insurance
Like the name suggests – a life cover policy that is in place until you die
Joint life insurance
Life cover for yourself and your partner in one policy
Over 50s life cover
Usually whole life policies for people within a specific age bracket beyond 50
Critical illness cover
An option to put aside a portion of your payout that you could use if you suffer a pre-determined critical illness
Terminal illness cover
Cover that can be paid out early if you are diagnosed with a terminal illness.
Is life insurance right for you?
When considering adding life insurance to your financial plan, it’s important to determine if the potential for paying premiums for years is worth it. Whether life insurance is a smart investment for you may depend on what you want a policy to do for you.
If you just want peace of mind that your loved ones will be financially secure if you pass away and they lose your income, term life insurance is probably worth it—even if you outlive the policy. But if you’re wondering whether a permanent policy is a good way to receive tax-free investment benefits while you’re alive, the answer is that most people would be better off getting a term policy and putting the rest of their money in other types of tax-free investments.
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The person I spoke to today very helpful polite helped me all my questions and would recommend spotdif – thumbs up from me
Very easy to use and provided all the information I needed to understand whether equity release would be the right option for me . Excellent service.
The person I spoke to today very helpful polite helped me all my questions and would recommend spotdif – thumbs up from me
