How much life insurance do I actually need?
Spoiler: probably less than the internet told you. We walk through the only formula that matters.
6 min read →Independent · Education-first · Not an insurerThe last word
The last word
on life
insurance.
We're not an insurer. We're an independent education brand that translates life insurance into actual English. Run the numbers honestly, then — only if you want one — meet a human who can sell you a policy. No upsells. No cold calls. Ever.
00Cold calls. Ever.
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New
here?
here?
★ As seen in your group chat
★ Plain English★ No cold calls★ FCA-regulated partners★ 14 insurers compared★ Cancel anytime★ Built by humans★ Plain English★ No cold calls★ FCA-regulated partners★ 14 insurers compared★ Plain English★ No cold calls★ FCA-regulated partners★ 14 insurers compared★ Cancel anytime★ Built by humans★ Plain English★ No cold calls★ FCA-regulated partners★ 14 insurers compared
Most life insurance content is written by people trying to sell you life insurance.
We're not. We make money when you finish an honest, jargon-free quiz — whether you buy a policy or just leave with a better-informed group chat.
01
No upsells in the prose
Every article gets reviewed by an editor with zero commission on the line. If we sound like a brochure, we rewrite it.
02
Numbers before names
We help you figure out how much cover you need before we say a single insurer's name. Reverse-engineered.
03
One human, if you want one
When you're ready, we hand you to one independent, FCA-regulated adviser. One call. No phone-tree gauntlet.
- 01
Answer six honest questions
Age, dependents, debts, what you actually want to leave behind. No tricks, no upsell — just a calculator that respects your time.
- 02
Read your one-page report
Plain English. What cover you probably need, what you almost certainly don't, and how much it'd realistically cost.
- 03
Meet a human (optional)
If you want a policy, we hand you to one independent adviser. If you don't, we wish you well. Honestly, that's it.
essay no. 04
From the guides
"I bought life insurance at 29. Here's the spreadsheet that talked me into it."
A real story, real numbers, real second thoughts — by one of our editors who spent a weekend interrogating whether she even needed cover. Spoiler: the answer wasn't "yes, obviously." It was more interesting than that.
8 min read·By Iris Okafor, Editor-at-large
Read all guides →The library
All →Term vs. whole-of-life, decoded
Most people only need one of these. Here's how to tell which — without a sales pitch.
4 min read →What the application form is really asking
Why insurers care about your hobbies, postcode, and last GP visit. And what they don't.
7 min read →
A real human
"I came for a calculator and stayed for the footnotes. The Last Word made me cancel a policy I didn't need and start one I actually did. I've sent it to four friends."
the journeyYou don't need to know where you're going.
You don't need to know where you're going.
We've got the map.
Whether you're 24 and curious, 41 and overdue, or 58 and just-checking — we'll walk you through it. Slowly. Without making it weird.
Start the 60-second quiz →
one last thingYour future self
Your future self
would like a word.
Sixty seconds. Six questions. Zero obligation. You'll leave knowing whether this is even a thing you should worry about right now.