Compare life and income protection

Why life and income protection prices move

Placeholder editorial copy — replace before launch. The UK life and income protection market changes constantly: wholesale costs, regulatory price controls, promotional windows and the simple fact that most providers reserve their sharpest pricing for new customers. Households that stay put on a default deal almost always pay more than households that review their arrangements once a year.

Our position is deliberately narrow. We do not sell life and income protection and we do not display quotes on this site. What we do is tell you plainly what to look at, then hand you to a regulated comparison service or provider who can quote you properly and take responsibility for that quote.

What a good deal actually looks like

Placeholder editorial copy — replace before launch. A headline price is only one part of the picture. Contract length, exit fees, mid-contract price rises, service levels and the small print around eligibility all change what you really pay over a year. A deal that looks a few pounds cheaper each month can cost more overall once those terms are counted.

We recommend writing down three things before you compare: what you currently pay, what you actually use, and what you are willing to trade. With those three numbers in hand, the comparison step takes minutes rather than an afternoon, and you are far less likely to be steered by a headline figure alone.

The ELITE approach

Placeholder editorial copy — replace before launch. ELITE Field Marketing Ltd has represented utility and telecoms brands on doorsteps, in venues and in retail for years. That work gives us an unusually clear view of how life and income protection offers are constructed, where the genuine value sits and which promises tend not to survive contact with a customer's first bill.

ELITE Compare exists to bring that judgement to households directly, without pretending to be something we are not. We are an introducer. We are not an FCA-regulated adviser, we do not recommend a specific product for your circumstances, and we always tell you when we are paid. If a switch is not worth making, the honest answer is to stay where you are — and we will say so.

Once you have picked a life and income protection deal, the same logic applies across the rest of the household. Most families we speak to are overpaying in two or three categories at once, simply because nobody has reviewed them together.