LIFE INSURANCE FOR SINGLE MUMS
We specialise in life insurance for single mums in UK
"Advised me on the type of cover I needed at a fraction of the cost of other quotes"
-Michael
50+ Insurers. Expert Advice.
Big Savings !
What Does Life Insurance for Single Mums Cover?
As a single mum your child depends on you massively. If something happened to you tomorrow, could your loved ones afford to live & thrive without you ?
Funeral Costs
The average cost of dying
£9,493
Mortgage Costs
Monthly cost of housing
£798
Living Costs
Monthly cost of living
£3,053
Transport Costs
Average monthly transport costs
£348
Transport Costs
Average monthly transport costs
£348
£300,000 Life Cover
£10
For only per month
Tuition Fees
Average yearly tuition fees
£9,188
House Deposit
Average 10% mortgage deposit
£23,200
House Deposit
Average 10% mortgage deposit
£23,200
Pay the Bills
Household bills monthly cost
£237
Take a Holiday
A ten day holiday for 4 people
£3,796
See references
- Cost of Dying Report 2020 (SunLife)
- What is the Cost of Living in the UK? (Expatistan)
- Average London rent hits record high as supply continues to drop (Homes & Property)
- Average UK Household Budget 2021 (NimbleFins)
- University tuition fees in England now the highest in the world, new analysis suggests (Independent)
- How much deposit do I need for a house? (Bankrate UK)
- What is the average cost of utility bills per month? (The Money Advice Service)
- Average Cost of a Holiday Abroad 2020 (NimbleFins)
- £10 per month pays for £300,000 of cover for 30 years for a 30 year old non-smoker, based on perfect health
- Trust Pilot review source:
Buying Life Insurance as a Single Mum
It’s peace of mind for you.
And security for the people you love
Fill out a simple form
Tell us about your needs
We ask a few quick questions — it only takes a couple of minutes.
We Compare Policies from 50+ Providers & Call You
You get personalised options that fit your home, your budget, and your life.
You pick your cover — and that’s it
Once your policy is in place, you can relax knowing your home is protected, no matter what happens.
Real Single Mums. Real Advice.
When you speak to us, you’ll chat with a friendly UK-based expert who is actually a single mum. That way she will understand what your situation really feels like & can help advise you on options.
- You’ll only ever speak with us — we never pass on your details
- No pressure. Just honest, helpful guidance
- We’re FCA authorised and ICO registered — your trust matters to us
“The most rewarding part of what I do? Knowing we’re helping people protect their homes and their futures. Every day, we give families peace of mind — even in the worst moments”
Life Insurance for Single Mums: Protecting What Matters Most
As a single mum, you carry the full weight of your family’s financial wellbeing. From raising children to managing a repayment mortgage, life insurance for single mums gives you the confidence that your children will be protected no matter what the future holds. A tailored life insurance policy ensures that your financial responsibilities are covered, and your family’s financial security is never compromised.
Why Life Insurance for Mums Matters
Being a mum is already a full-time job — but being a single mum means doing it all. If the unexpected happens, who will take care of your children’s living costs, childcare costs, or your remaining mortgage balance?
Life insurance for single mums provides:
A lump sum to pay off debts or the mortgage
A monthly income replacement to cover household bills, funeral costs, and childcare
Access to critical illness cover if you’re diagnosed with a serious illness
It’s about more than money — it’s about financial protection, peace of mind, and preserving your family’s lifestyle.
Types of Life Insurance for Mums
1. Decreasing Term Life Insurance
Designed to match your repayment mortgage, this cover decreases over time as your mortgage balance reduces. It ensures your family home remains secure and mortgage-free if anything happens to you.
2. Level Term Life Insurance
This plan pays a fixed lump sum payment regardless of when death occurs during the term life insurance policy. It’s great for covering larger debts, leaving a legacy, or supporting your children’s life events.
3. Critical Illness Cover
If you suffer from a critical illness, like cancer or stroke, critical illness cover pays a cash sum to help you with:
Medical expenses
Income replacement during recovery
Maintaining your family’s lifestyle
Adding terminal illness cover enhances this, ensuring financial support even in the most challenging circumstances.
4. Family Income Benefit
Instead of a lump sum, this cover pays a regular monthly income — perfect to replace lost income and manage everyday expenses for your children.
Why is life insurance important for single mums?
Life insurance provides financial security for your children if you pass away, covering living costs, education, and outstanding debts.
- Would your kids struggle to pay the mortgage without you?
- Would your family be left to cover debts or bills?
- Would you want to protect your home, no matter what?
- Anyone who relies on you financially? (children, family?)
If any of that hits home, now’s the time to get covered.
Life insurance is usually cheaper when you’re younger — and it only gets more expensive the longer you wait.
Buying Life Insurance as a Single Mum
We understand that buying life insurance can be overwhelming. That’s why we simplify the life insurance application process and give you:
Tailored life insurance quotes
Help finding affordable life insurance with the right terms
Support from life insurance experts who understand single mums
We’ll guide you through comparing policies, understanding life insurance cover, and managing monthly premiums.
The Best Life Insurance for Single Mums Offers:
✅ A balance between budget and financial protection
✅ Optional critical illness cover for added security
✅ Term life insurance to suit your entire life situation
✅ Payouts to cover your family’s future, lost income, and debts
How much does life insurance cost for single mums ?
You are the backbone of your family we ensure you get the best deal to suit your situation.
£10.99
per month
£8.99
per month
Life Insurance
Starting from only
£4.99
per month
Single Mums Life Insurance – FAQs
What’s the best type of life insurance for single mums?
Level term life insurance is a popular choice. It offers fixed premiums and a guaranteed payout to support your child’s future.
How much life insurance does a single mum need?
Cover should include your mortgage or rent, childcare, education costs, and living expenses—often between £100,000 and £300,000 or more.
Can single mums get life insurance with health conditions?
Yes. Most insurers accept applicants with pre-existing conditions, though premiums may be higher. Always disclose medical history honestly.
Who should I name as my life insurance beneficiary?
You can name a legal guardian or place the policy in trust for your child to ensure the payout is managed responsibly.
What happens if I die without life insurance as a single mum?
Your children may face financial hardship. Without cover, family or the state may have to step in to support them.
Can I get critical illness cover as a single mum?
Totally understandable – we all love doing things online when we can. But with life insurance, things can get a little more personal, especially when it comes to your health, lifestyle, and the size of the cover you need.
That’s why we always recommend speaking to a real person. Our friendly team will listen to what you want, explain your options, and make sure everything’s set up properly – with no pressure.
It’s about peace of mind. And making sure your family is really taken care of.