The Insurance Expert

The Insurance Expert: life insurance comparison in the UK

The Insurance Expert is a life insurance comparison service aimed at the UK market. The domain belongs to Reassured Limited, a firm that presents itself as the UK's largest life insurance broker and provides the quoting and arranging service. The website allows users to compare life insurance quotes for free and with no obligation, with the goal of helping users find cover that suits their budget.

Products and cover compared

The comparison service works with life insurance and associated cover. The offering is built around several types:

• Level term life insurance: pays a lump sum if the insured person passes away during the policy term. The amount of cover chosen stays the same for the whole term and can be used to help cover an interest-only mortgage, debts, family living expenses or other major costs.
• Decreasing term life insurance: also pays a lump sum if death occurs within the term, but the amount of cover reduces over time, typically in line with a repayment mortgage. This type of policy usually offers the lowest monthly premiums.
• Joint life insurance: covers two people, such as a married couple, under a single policy. If either person passes away during the term, the pay out is made to the surviving partner.
• Whole of life insurance: provides lifelong protection and pays a fixed lump sum when death occurs. It can help cover the mortgage, family living costs, funeral expenses or inheritance tax. The website states that this product is not yet available through The Insurance Expert.
• Life and critical illness cover: combines life insurance with critical illness cover, paying out if a serious illness is diagnosed or if the insured person passes away during the term. It covers conditions such as cancer, heart attack and stroke. The website notes that this type of cover is also not yet available through the comparison service.

How the service works

The process for getting a quote is described in three steps: the user fills in a form with their details and the type of cover they need; the comparison service searches for the best available prices among its partner insurers; and finally, the user takes out the chosen policy. The website highlights that quotes are free and with no obligation to buy, and that the service is regulated by the Financial Conduct Authority (FCA).

Free trust-writing service

Most life insurance policies arranged through The Insurance Expert can be written in trust. This is a free option that helps protect the pay out from inheritance tax and allows the family to access the funds more quickly.

Experience, scale and recognition

The site states that the company has over 16 years of experience and has served more than one million customers in the UK. It has over 800 insurance experts and five contact centres across the country. The parent company, Reassured, has received industry recognition, including 'Protection Intermediary of the Year' 2025. On Trustpilot, the parent firm holds a rating of 4.8 out of 5 based on more than 106,000 reviews.

Examples of premiums and cover amounts

The website includes illustrative pricing examples. One example starts from £10 a month for cover up to £280,000, and another from £5 a month for up to £90,000. The rates quoted are for level term insurance for non-smokers with no pre-existing medical conditions or other risk factors, and are stated as correct as of 2 February 2026. The information notes that individual factors and medical underwriting may change the premium and cover amount, or result in a decline.

Editorial content and guides

The comparison service publishes guides and articles on life insurance, including topics such as indexation of cover, switching insurers, mortgage life insurance, cover for parents, self-employed and freelancers, and life insurance when moving abroad or spending part of the year outside the UK. The content is written by the firm's own protection experts.

Location and contact

1st Floor, Belvedere House, Basing View, Basingstoke, Hampshire, RG21 4HG