People purchase life insurance and critical illness cover at different times in their life and for a variety of reasons. For some, the decision to insure their life comes at a time when they are thinking of starting a family. For others, it is to protect the mortgage on their new home. Life insurance prices start from around £5 p/m and premiums are usually lower for females and non-smokers. Like most insurances, quotes vary between providers so, it's worth shopping around to compare the market and find the policy with the most competitive premium, which best suits your needs.