Protect What Matters Most
MomPlans connects you with an FCA-regulated life insurance adviser who helps you find the right cover for your family, at the right price, without the jargon.
Free protection review
Understand exactly how much cover your family needs and which policy type suits your situation.
FCA-regulated advisers only
Every adviser in our network is authorised by the Financial Conduct Authority and vetted by MomPlans.
No hidden costs
MomPlans is free to use. You pay nothing to be matched with a qualified life insurance adviser.
£500k+
Average cover arranged for UK families
48h
Average time to your first adviser call
£0
Cost to use MomPlans
Every year you delay costs your family more.
In the UK, 8.5 million households have no life insurance at all. Yet a typical family life insurance policy costs less per month than a family takeaway.
The longer you wait, the more expensive premiums become. An adviser can show you exactly what cover you need and find the most competitive quote today.
Premiums rise with age
Life insurance is significantly cheaper when you take it out young and healthy. Every year of delay increases your monthly premium.
Your mortgage needs cover
If you have a mortgage and no life cover, your family could lose the home if the worst happened. Lenders do not cover your life.
State support is minimal
Bereavement Support Payment from the government covers a fraction of what your family would actually need to maintain their lifestyle.
A regulated network you can trust
Every adviser on the MomPlans network is authorised and regulated by the Financial Conduct Authority and holds professional indemnity insurance.
Regulatory references
Three steps to protecting your family
Tell us about your family
Answer a few questions about your situation, income, mortgage and dependants. It takes under 5 minutes.
We match you with an adviser
MomPlans identifies the FCA-regulated adviser best suited to your needs and connects you within 48 hours.
Review your personalised quote
Your adviser compares policies from leading UK insurers and explains every option in plain English.
They chose expert guidance to protect their families.
"I had been putting it off for years. MomPlans matched me with an adviser who explained everything clearly and sorted my cover in a week. I wish I had done it sooner."
"As someone who is self-employed I had no employer benefits. My adviser helped me find a policy that covers my mortgage and gives my daughter real security."
"I thought life insurance was complicated and expensive. The adviser was brilliant and found me a joint policy with my husband that works perfectly for our family."
Testimonials recreated for illustration purposes.
Why families trust MomPlans
FCA-regulated advisers
Every adviser we work with is authorised and regulated by the Financial Conduct Authority. You can verify their registration on the FCA register.
Whole-of-market advice
Your adviser compares policies from all major UK insurers, not just one provider. You get the best option for your situation.
Your data is protected
MomPlans is fully compliant with UK GDPR. We never share your data without your explicit written consent.
No pressure, ever
You are never obliged to proceed. Your adviser will answer all your questions and you decide freely on next steps.
Your questions answered
What types of life insurance are available in the UK?+
The main types are term life insurance (which pays out if you die within a fixed term), whole-of-life insurance (which pays out whenever you die), and decreasing term insurance (where the payout reduces over time, typically used to cover a repayment mortgage). Your adviser will explain which type best fits your family circumstances.
How much life insurance cover do I actually need?+
A common starting point is 10 times your annual salary, plus enough to pay off your mortgage. However, the right amount depends on your income, debts, number of dependants and any existing cover you have through your employer. An FCA-regulated adviser will calculate a personalised figure for you.
How much does life insurance cost?+
Premiums vary based on your age, health, smoking status and the level of cover you want. A healthy non-smoker in their 30s can typically get £500,000 of term cover for under £30 per month. Your adviser will find the most competitive quote from across the market.
Do I need life insurance if I already have it through work?+
Employer death-in-service benefit is typically 3 to 4 times your salary and ends when you leave the job. It is rarely sufficient to cover a mortgage and provide long-term income for your family. Most advisers recommend taking out your own policy in addition to any employer cover.
Can I get life insurance if I have a pre-existing medical condition?+
In most cases, yes. Some conditions may result in higher premiums or exclusions, but specialist insurers often have more flexible underwriting. An independent adviser with whole-of-market access will know which insurers are most likely to offer you competitive terms.
Is MomPlans regulated?+
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice ourselves. Every adviser we introduce you to is authorised by the Financial Conduct Authority.
Your family deserves protection. Let us help you find it.
MomPlans matches you with an FCA-regulated adviser who will compare the whole market and explain every option clearly. Free, with no obligation.
- Free protection review
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- Whole-of-market comparison
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- FCA-regulated advisers
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice. Life insurance values and premiums are illustrative only. Your home may be repossessed if you do not keep up repayments on a mortgage. The value of investments can go down as well as up. Past performance is not a guide to future performance.