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Life Insurance in 4 Easy Steps

Step 1 - Cover Amount

Life Insurance pays out a lump sum of money if you pass away or if you’re diagnosed with a Terminal Illness during the term period. 

Min. £1,000. Please type multiples of 1,000

Insurance Term

The policy term is how long you want the policy to run for. Most people align the term with their financial responsibilites such as a mortgage.


Min. 5 years. Max up to 40 years (max policy age is 65).

Cover Type

If you’re not sure what cover type you require, please read this: Insurance Cover Types

Who do you need cover for?

Are you looking at covering yourself or would you like to cover both yourself and someone else, such as a partner? READ MORE

Life Insurance in 4 Easy Steps

Step 2 - Your Details

Date of Birth

Smoking Status

During the last 12 months, have you smoked any cigarettes, cigars, pipes, e-cigarettes or used any nicotine replacements. READ MORE

Contact Details

In providing your details, you consent to The Online Mortgage Guru contacting you regarding the application.

Preferred Phone Number
Preferred Email Address*

Life Insurance in 4 Easy Steps

Step 3 - Declaration

Legal Declaration

Please read and agree to the legal requirements below, in order for The Online Mortgage Guru to complete your application.

In the following questions I will be asked sensitive health information that The Online Mortgage Guru will use to check I am eligible for a Term Life Plan. I understand and agree that I will answer these questions truthfully and to the best of my knowledge.

For information about how your data will be used, please read our Fair Processing Notice.

Questions about your health

Please ensure that the following questions are answered by the applicant.

Question 1

Do you have (or have you ever had) any form of cancer, heart disease or disorder (including angina and heart attack), diabetes, stroke, HIV, hepatitis B or hepatitis C?

Question 2

Are you currently visiting any doctor other than your own GP, on an ongoing basis for any medical condition (you can ignore blood pressure, cholesterol, physiotherapy, osteopathy, podiatry, infertility or glaucoma)?

Question 3

In the last 2 years have you had any abnormal test result which required more than one follow up visit with a doctor, consultant or other health professional?

Question 4

In the last 12 months have you had any unexplained symptoms for which you are still under investigation or have not yet sought medical advice for? This includes unexplained bleeding, weight loss or a lump or growth, numbness or tingling

Question 5

Are you currently awaiting results of any tests or investigations?

Life Insurance in 4 Easy Steps

Step 4 - Submission of Quote Request

Do you require critical illness cover?

Would you like to add critical illness cover to the policy?

Why would you need critical illness cover?

State benefits might not be enough to replace your income if something goes wrong. Critical illness protection provides peace of mind providing cover for a range of serious illnesses. You should consider getting critical illness cover if:

  • You don’t have enough savings to tide you over if you become seriously ill
  • You don’t have an employee benefits package to support you financially following a serious illness

Marketing Preferences

We don’t want to spam you, but if you would like to receive offers and news from The Online Mortgage Guru, please tick the preferred way of receiving these. Our GDPR statement can be read here.


As our financial responsibilities grow the need for protection when disaster strikes grows too. 

At the Online Mortgage Guru, we understand the need for protection and protection that doesn’t cost the earth.

As with our mortgage information, our aim is to provide you with up-to-date and comprehensive guidance on protection. We’re also able to put you in touch with brokers who know the market and can advise on the right protection to suit you.

It’s important to understand your individual circumstances when working out whether you need protection and what type of protection you need. It also depends on what stage of life you’re at. Elements to consider will be:

  • Your age
  • Health
  • Your financial commitments

Choosing the wrong product could have a detrimental impact on your life and finances. 

Our experts can help with: 

  • Mortgage payment protection – A common insurance cover as a mortgage is often the biggest financial commitment. It will ensure your mortgage payments are still made and your home is safe.
  • Income protection – If you suddenly become unable to work due to accident or sickness essential financial commitments will be made until you’re able to go back.
  • Life Assurance – A level of protection that can give you comfort that your family will be taken care of should anything happen to you. 
  • Critical illness cover – Whilst similar to life assurance this level of protection pays out on diagnosis of certain illnesses.
  • Buildings and Contents Insurance – Protecting your home whether it’s from fire, flooding or subsidence.


The Online Mortgage Guru work with vetted independent expert advisors who are regulated by the FCA and work based on circumstances unique to you. 

Contact us on 0345 3669799 or email us via and we’ll put you in touch with a suitable specialist to handle your enquiry with no obligation.