TOM Life Insurance review

Updated September 30, 2026 · AssureCue Editorial Team · Facts checked September 30, 2026

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Our verdict

TOM Life Insurance offers life, critical illness and income protection paid monthly, with premiums starting at £5. It suits adults who want a fixed monthly cost and a regulated broker on the other side of the application, and it does not serve anyone looking for savings or investment products on the same account.

Key facts

Best for
Low cost monthly UK life and illness cover for adults taking out their first policy.
Premium from
£5 (Source, checked September 30, 2026)
Insurance types
Life, Critical-illness, Income-protection (Source, checked September 30, 2026)
Provider type
Broker (Source, checked September 30, 2026)
Monthly payments
Yes (Source, checked September 30, 2026)
Age range
18 or over (Source, checked September 30, 2026)
Legal entity
Clark Insurance UK Ltd (Source, checked September 30, 2026)
Headquarters
United Kingdom (Source, checked September 30, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 30, 2026)
Pricing model
Monthly
Official website
tom.co.uk

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotXfacebook.com

Pros and cons

Pros

  • The starting premium is £5, below Linxea's €25 and Oney Préstamos's €1,000, which are quoted in euro.
  • Life, critical illness and income protection all sit in life, critical illness and income protection, so the same broker can arrange a death policy alongside a diagnosis payout or income replacement.
  • Monthly payments are available, so the outlay stays a small recurring sum rather than a large premium collected in a lump.
  • Support runs on email, phone and help centre, and phone is the most common support channel across this site's life cover listings at 90.8%.
  • The operation is authorised in GB by the Financial Conduct Authority under 603273, a number a reader can check on the regulator's register.

Cons

  • Scope stops at life, critical illness and income protection, so readers who want health, dental, travel or home in the same relationship have to look wider.
  • Monthly is the only model listed in monthly, so there is no annual or upfront premium option to compare against.
  • The minimum entry age is 18 or over, which rules out anyone younger from taking cover here.
  • Support runs on email, phone and help centre only, so anyone wanting live chat on the site or in the app has to look elsewhere.
TOM Life Insurance

Ready to try TOM Life Insurance?

Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Adults past the minimum age on 18 or over who want life, critical illness or income protection arranged in the UK.
  • Readers who want a small recurring payment: monthly payments are available and the entry premium is £5.
  • People who would rather talk than type, since email, phone and help centre covers phone and email and phone leads the support mix on this site's life listings.

Who should look elsewhere

  • Anyone who wants a broad book under a single insurer: Allianz Malaysia lists auto, motorcycle and home, far beyond the life and illness lines here.
  • Readers anchoring on a larger starting figure: Oney Préstamos lists €1,000, well above the £5 entry point here.
  • Linxea readers, whose €25 entry figure is quoted in euro, and shoppers who want an annual premium rather than the monthly model in monthly.

What the policy covers

TOM Life Insurance covers life, critical illness and income protection, which is a short list and an honest one. Life cover pays out on death, critical illness cover pays a lump sum when a listed condition is diagnosed, and income protection pays a monthly replacement while illness or injury keeps you from working. Buyers must be 18 or over, so the policy is open to adults across the working life rather than tied to one job or age band. Health, dental, travel and home cover sit outside life, critical illness and income protection, so a reader who wants a single place for the whole household has more shopping to do.

What cover costs

The published starting premium is £5, and that is a floor rather than a quote. A real price moves with age, cover amount, term and occupation at the point of application, so read this figure as the entry point rather than the monthly cost of a typical policy. Monthly payments are available, which spreads that entry figure into a small recurring amount instead of a charge collected in a lump. That monthly rhythm is the only footing on offer, which suits people who budget month by month and suits anyone paying a large sum up front less well.

Regulation

The firm is authorised in GB by the Financial Conduct Authority, and the registration number is 603273. TOM Life Insurance operates as a broker under that registration: broker. The split is worth holding on to, because the regulator's rules govern how the product is sold, how a recommendation is justified and how money is handled while an application is in flight, and they apply to the intermediary. What the regulator supervises is the conduct of the sale rather than the risk on the cover, which rests with the insurer named in the policy document.

Safety and regulation

Safety of a claim payment depends on the entity carrying the risk, and here that is not the brand name. TOM Life Insurance is a broker, broker, and its Financial Conduct Authority registration, 603273, covers the behaviour of the firm: the advice given, the product recommended and the handling of an application. It says nothing about the strength of the balance sheet behind the policy. No protection scheme is named for this brand, so a reader weighing the safety of a payout should read the insurer named in their own policy document and check that name with the regulator, rather than treating a broker's registration as cover for the money.

Who runs it

The entity on the paperwork is Clark Insurance UK Ltd, based in the United Kingdom, and it is that company which holds the Financial Conduct Authority registration 603273 and answers for the advice given. Support runs on email, phone and help centre, which covers email, phone and a help centre, the channels most readers try first. That mix matters most once a claim is in progress, when the questions are medical and a person on the phone beats a form. Across this site's life cover listings, phone is the most common support channel at 90.8%, so the broker follows the majority pattern.

How TOM Life Insurance compares

Where TOM Life Insurance is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (603273), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What does TOM Life Insurance actually cover?+

The published list is life, critical illness and income protection, so the range is life cover, critical illness cover and income protection. Health, dental, travel and home policies sit outside that list, which means a household wanting one place for everything keeps shopping elsewhere.

What will a policy cost me?+

The starting premium is £5, and that is an entry point rather than a quote for you. Monthly payments are available, so the amount is collected in smaller sums across the year, and the final price depends on the age, cover amount and term you choose at application.

Who authorises and supervises the firm?+

TOM Life Insurance is authorised in GB by the Financial Conduct Authority, and the registration number is 603273. You can search that number on the regulator's register to confirm the firm is authorised and see which permissions it holds before you apply.

Is it an insurer, and who pays my claim?+

It is a broker rather than an insurer, broker. The firm advises on and arranges the sale, while the insurer named in your own policy document carries the risk and settles the claim. Worth knowing at the start, because a claim is handled by the insurer rather than by the name on the advert.

Who am I contracting with?+

The contracting entity is Clark Insurance UK Ltd, based in the United Kingdom, and it is that company which holds the authorisation and answers for the advice. Checking the entity name in the terms before you accept tells you which firm sits on the other side of the application.

How do I get help, especially during a claim?+

Support runs on email, phone and help centre, so email, phone and a help centre are all available. Phone is the most used support channel across this site's life cover listings at 90.8%, which makes a call the normal route when a claim needs explaining.

Who can buy this cover?+

The stated entry age is 18 or over, so the policy is aimed at adults rather than one age band. That leaves room for someone arranging cover early in a career and for someone doing it later in life, subject to the health and occupation questions asked at application.

How does the starting price compare with other providers?+

On this site's premium ranking, TOM Life Insurance sits at 88 out of 208 brands, with a starting premium of £5. Linxea lists €25 and Oney Préstamos lists €1,000, both in euro, so the ranking mixes currencies and the entry figures are not like for like.

Sources

  • tom.co.uk/life-insurance checked September 30, 2026

    Backs: Pricing model, Monthly payments, Premium from

    “You then pay a monthly premium for the life insurance policy term from £5 a month.”

  • tom.co.uk/serious-illness-cover checked September 30, 2026

    Backs: Insurance types

    “Serious Illness Cover, also known as Critical Illness Cover, can help to give you the financial freedom to focus on recovery.”

  • tom.co.uk/support checked September 30, 2026

    Backs: Support channels

    “Our expert advisors are on call to answer any questions 0808 175 2244, hello@tom.co.uk”

  • tom.co.uk/terms checked September 30, 2026

    Backs: Age range, Provider type, Headquarters, Legal entity, Licences

    “Upon purchase of a Life Insurance, Serious Illness Cover, Income protection or Private Medical Insurance policy by a new customer aged 18 or over, who has not previously held a policy via TOM”

Compiled from 4 source pages, checked September 30, 2026. We did not open an account.

TOM Life Insurance

TOM Life Insurance

Low cost monthly UK life and illness cover for adults taking out their first policy.

9.0/10See alternatives

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