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Since 2006 we have helped 339,607 people compare Protection Insurance quotes.
We would love to do the same for you...

Can you have more than one life insurance policy?

The short answer to this common question about life insurance is, yes. Certainly, from a legal standpoint, there are no rules preventing you from having more than one active life insurance policy at any given time. So, you are allowed to have multiple such policies, whether you have them from the same life insurance provider, or even with different companies.

But it’s one thing to know that you technically and legally can have several life insurance policies, and quite another thing to determine whether you should have more than one policy.

You can have more than one policy, but is it necessary?

There are various common reasons why people consider taking out another life insurance policy on top of their existing one.

You might like the life insurance policy you have now, but you may not feel that it covers all of your current financial responsibilities - such as a mortgage or your children’s tuition fees - to the extent that it should.

Or perhaps you have made positive lifestyle changes lately, such as quitting smoking, and would like to see whether more attractive premiums are available as a result of this, while still benefitting from the cover your existing life insurance policy provides?

We could go on and on listing different possible circumstances, and you might think, “well, what’s the harm? More than one life insurance policy, means more layers of protection.”

The reality, though, isn’t quite as simple as that. It’s worth bearing in mind, for instance, that you will be older when you take out any new life insurance policy, than you were when you purchased your existing one.

And the older you are, the higher the risk potential life insurance policy providers will regard you as presenting, and the likelier you are to develop health problems. That, in turn, could push up your premiums beyond what you are paying on your current policy.

Might you be better off, then, just modifying your existing policy?

Our team at QuoteLifeCover.com obviously can’t give advice covering everyone’s circumstances in a single blog post. That’s why we provide our free, no-obligation advice and quotation line, on 0800 316 6917, which can quickly put you in touch with a UK adviser who can help you determine the best route forward for your needs.

And some people might still conclude that they can best meet their needs by taking out another life insurance policy alongside what they already have - for example, because they are in a couple and wish to purchase separate single life insurance policies to go with their existing joint policy, or vice versa.

Some other people, though, might get talking to their life insurance provider, and realise that it would be easier and more cost-effective for them to simply modify the terms of their existing policy. You could change such aspects of your current policy as the level of cover or the length of the term, to reflect changes in your broader life such as getting married or welcoming a new addition to the family.

Naturally, whatever you choose to do with your life insurance arrangements, you should always carefully check the terms and conditions that will apply to any new or changed life insurance policy, to ensure you are protected for your own requirements and circumstances. Simply give us a call today, and we will be pleased to provide further tailored advice and guidance.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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