Insurers are ranked by fit to your inputs (cover type, sum insured, premium style, occupation, how you want to buy), not by price. Product facts are from each insurer's current pages (checked October 2026). Stepped premiums for a healthy applicant. Level premiums cost more now but do not rise with age. Income protection assumes 75% of income with a 4-week wait. Health history and occupation can change these figures a lot; an adviser can usually place cover free of charge. General estimate only, not a quote or financial advice.