Finding the best Relevant Life Insurance in the UK can feel complex. There are a range of different insurers and plans available, each with their own unique policy options and levels of cover. This can make the decision-making process overwhelming, and it can be difficult to know where to begin.
This 2026 guide reviews leading insurers side by side – highlighting claim rates, unique benefits and extra cover – so you can make an informed choice and secure the right protection for your circumstances.
Most personal Life Insurance providers also offer Relevant Life Insurance, and there are a few major UK insurers to choose from. However, to benefit from the favourable tax position, it’s important the policy is structured in the correct way.
There’s no one-size-fits-all when it comes to insurance. The “best” product for you won’t necessarily be the best for someone else, as it all depends on your unique situation. That’s why it’s important to compare quotes and policies from different providers. And the cheapest quote isn’t always the best.
Our list of “top” insurers has been put together by considering product offering, company size, longevity, and customer reviews.
Aviva is one of the UK’s leading insurance providers, offering a wide range of financial services such as insurance, investments, pensions, and retirement planning.
Key Features | |
|---|---|
✅ | Life change benefit |
✅ | Business protection promise |
✅ | Continuation benefit |
✅ | Free wellbeing support |
As of November 2025, Aviva currently has over 52,000 reviews on Trustpilot (73% of them giving 5⭐), giving them an average “Excellent” score of 4.3/5 stars. Note that this is for the company as a whole, rather than just the protection division.
Enquire about an Aviva Relevant Life policy.
Founded in 1836, Legal & General is the UK’s top Life Insurance provider with over 180 years of experience.
Key Features | |
|---|---|
✅ | Guaranteed insurability |
✅ | Accidental death benefit |
✅ | Continuation benefit |
✅ | Free wellbeing support |
As of November 2025, Legal & General currently has over 26,000 reviews on Trustpilot (57% of them giving 5⭐), giving them an average “Excellent” score of 4.3/5 stars. Note that this is for the company as a whole, rather than just the protection division.
Enquire about a Legal & General Relevant Life policy.
Liverpool Victoria (LV=) is a large provider of protection and financial products in the UK. Founded in 1843, LV started out as “The Liverpool Independent Legal Victoria Burial Society” and sold Life Insurance at the cost of a penny per month. Now with over 180 years of experience, it offers a range of protection products and has acquired over 1.28 million customers.
Key Features | |
|---|---|
✅ | Guaranteed increase options |
✅ | Business care |
✅ | Continuation option |
✅ | Free wellbeing support |
As of November 2025, LV= currently has over 81,000 reviews on Trustpilot (80% of them giving 5⭐), giving them an “Excellent” score of 4.5/5 stars. Note that this is for the company as a whole, rather than just the protection division.
Enquire about an LV= Relevant Life policy.
Royal London is the UK’s largest mutual insurance and pensions provider, trusted by over 8.6 million customers. Since 1861, they’ve been protecting families, homes, and businesses with a wide range of customisable Life Insurance options.
Key Features | |
|---|---|
✅ | “Underwrite later” feature |
✅ | Cover increase options |
✅ | Free wellbeing support |
As of November 2025, Royal London currently has over 4,500 reviews on Trustpilot (77% of them giving 5⭐), giving them an “Excellent” score of 4.6/5 stars. Note that this is for the company as a whole, rather than just the protection division.
Enquire about a Royal London Relevant Life policy.
Part of the Lloyds Banking Group, Scottish Widows is one of the UK’s oldest financial institutions, founded in 1815. With over 200 years of experience, they have built a strong reputation for stability and customer care, offering a wide range of protection, pension, and investment products.
Key Features | |
|---|---|
✅ | Terminal illness and accidental death cover |
✅ | Cover increase options |
✅ | Continuation option |
✅ | Free wellbeing support |
As of November 2025, Scottish Widows currently has over 10,000 reviews on Trustpilot (71% of them 5⭐), giving them an “Excellent” score of 4.5/5 stars. Note that this is for the company as a whole, rather than just the protection division.
Enquire about a Scottish Widows Relevant Life policy.
Vitality combines comprehensive cover with innovative benefits. With over 1 million members, it offers a unique rewards system, helping policyholders to live a healthier, more rewarding life.
Key Features | |
|---|---|
✅ | Guaranteed insurability options |
✅ | “Optimiser” add-on |
✅ | Continuation option |
✅ | Unique rewards and savings |
As of November 2025, Vitality currently has almost 59,000 reviews on Trustpilot (71% of them 5⭐), giving them an “Excellent” score of 4.4/5 stars.
Enquire about a Vitality Relevant Life policy.
Finding the “best” Relevant Life Insurance will depend on your business’s unique requirements. Here are some aspects to consider.
Your best Relevant Life Insurance policy depends on factors like:
When comparing policies, look closely at:
The price of Relevant Life Insurance depends on a number of factors unique to your business and your employees. Premiums vary a lot between providers, so always get multiple quotes and make sure you’re comparing like-for-like.
It’s crucial to understand what’s not covered before you buy, and the policy needs to be set up in a certain way to benefit from the tax efficiency. This is why we always recommend speaking to an independent adviser before taking out a policy. We’ll take the time to understand your unique needs, and will search the market to find you the most suitable policy. Call 02084327333 to chat through your options with one of our friendly advisers.
There’s no one-size-fits-all when it comes to Insurance. The “best” Relevant Life Insurance for your business won’t necessarily be the best for someone else’s, as it all depends on your unique situation. It’s crucial to compare quotes and policies from different providers. And the cheapest quote isn’t always the best.
Samantha Haffenden-Angear
Independent Protection Specialist
Another area to consider is the claims payout rate of a potential Life Insurance insurer. Claims stats are higher than most people think, most insurers publishing consistently high payout rates.
As you can see in the table below, in the last few years, nearly all insurers have paid out more than 90% of the claims they received.
| Insurer | 2022 | 2023 | 2024 |
|---|---|---|---|
| Aviva | 99% | 99.3% | 98.8% |
| Legal & General | 96.7% | 97% | 97% |
| LV= | 97% | 97% | 97% |
| Royal London | 99.4% | 94.1% | 98.7% |
| Scottish Widows | 99% | 99.4% | 98% |
| Vitality | 99.7% | 99.7% | 98.9% |
| Zurich | 98% | n/a | 99.8% |
IMPORTANT NOTICE 🧐
You shouldn’t use payout statistics alone to decide which insurer offers the best life insurance. Instead, use them as a rough guide to compare successful claims across the industry as a whole.
You have two options when it comes to getting the best Relevant Life Insurance policy for your needs. You can either go directly to an insurer, or buy cover through an adviser, such as Drewberry.
With this method, you’ll need to approach every UK insurer and compare quotes/policy details from all of them to get the best deal.
Once you have some figures, you’ll also need to compare Relevant Life Insurance policies to ensure you get the most suitable cover. This involves a lot of fine print and insurance jargon.
This is the smart choice. An independent adviser (like our Drewberry specialists) will consider your circumstances fully to make sure you get the best Life Insurance for your needs.
We do all the hard work for you, comparing leading insurers on your behalf so you can be sure you’ve got the best deal for your needs. Where we provide a regulated advice service, we’re responsible for the advice we provide to you – giving you protection and peace of mind.
The cheapest policy isn’t always the best one. Your protection adviser can work with you to balance out the right policy features with a price that fits your budget.
Danny Gill
Independent Protection Specialist
With a number of UK Relevant Life Insurers to compare, there’s a lot of information to sift through. Luckily, we live and breathe protection, and are ready to chat about what’s best for you.
We’ve helped thousands of people to protect their most important asset – themselves. Call 02084327333, email help@drewberry.co.uk, or compare quotes to get started.
You give so much to your business. That’s why you deserve first class service when it comes protecting it. Here’s why you should talk to us:
Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies including for ad personalization.
If you would like to know more about cookies and how to manage them please view our privacy & cookie policy.
