It's free to use Tom to find life insurance - you'll never be charged for quotes.

Life insurance could cost the same each month as a couple of beers. But unlike a pint, your life insurance stays at the same price month after month.

We like a challenge, so tell us if you've found a quote elsewhere and we'll eat some kind of hat if we can't beat it.

- Did you remember to dry clean your suit?

- "Erm. Yes?"

We've all told the odd porkie, but when it comes to life insurance you need to tell us the truth, the whole truth and nothing but.

Cheeky cig down the pub? Tell us. The only time life insurance doesn't pay out is when you're not 100% open and honest during your application.

When you start a policy with one of our partners, they give us a few quid for recommending you. We donate £1 for every valid quote to Balls to Cancer, even if you don't take the cover.

Absolutely. But don’t just take our word for it - they’re all FCA authorised which means they've signed up to a duty of care to ensure all customers are treated fairly. Bosh.

Losing a Dad sucks. But losing a Dad, the family home and the things he used to pay for all at the time time sucks on an entirely new level.

Life insurance is a safety net for your family. If anything happened to you before your cover ends, your life insurance would pay a lump sum to your family to help cover the financial loss of losing you.

We all know that smoking is bad for our health, and sadly it’s a contributor to disease and death in many people. We need to know if you smoke because it increases your risk of death. But be honest - if you tell porkies, your insurance may be invalid and not pay out.

There are a couple reasons you need to speak to someone on the phone.

First - unlike car insurance where there could be a few thousand quid a stake - with life insurance we’re regularly talking about half a million quid or more. For that reason, life insurance companies like to have a recorded conversation to make sure you are who you say you are should there be any disputes if a claim arises.

And second, we firmly believe that speaking to real human beings ensures that your requirements are fully understood and you get the right cover for you and your family.