As a dedicated father having life insurance protection in place is vital to ensure my child’s financial future. It is reassuring to know that if anything were to happen to me, she would still be properly provided for throughout her childhood and beyond.

But for those dads out there currently without life insurance in place where should you shop to secure the most cost-effective policy in 2023?

In this article we review Tom life insurance exploring the pros and cons of their specialist ‘life insurance for dads’ service…

Why do dads need life insurance?

As a dad, you probably need some form of life insurance to ensure that your family are financially protected should anything happen to you.

It’s a very sad fact that a child loses a parent every 22 minutes in the UK[1], yet 12% of dads still don’t have any form of life cover.

If your family were to lose you and your income, could they keep up with the following costs:

•       Mortgage or rental payments?

•       Household bills/utilities?

•       Childcare or education fees?

•       Outstanding debts in your name (credit cards, car finance or personal loans)

•       Funeral costs?

Life insurance can be taken out to help cover these costs and relieve financial worry for your loved ones during an already stressful time.

The proceeds could also be used as an inheritance in the future, helping your children or even grandchildren with university fees or getting on the property ladder.

Who are Tom life insurance?

Tom, also referred to, are a life insurance broker that specialises in arranging life insurance for dads here in the UK.

They provide a completely free service that helps you to source life insurance quotes from a panel of FCA regulated providers.

Since forming in 2015, Tom has sold more than 50,000 policies to dads across the country.

Who owns Tom life insurance? is owned and operated by Candid Insurance Service Ltd, an FCA regulated life insurance company based in Bristol.

Candid was established in 2013 and acquired the Tom and Polly brands in 2018 from AGT Media, growing these significantly since then.

In 2023, they launched their own life insurance and serious illness products aimed at mums and dads, which are underwritten by iptiQ.

Tom life insurance reviews

Is Tom life insurance any good?

At the time of writing this review, Tom life insurance has an average rating of ‘Excellent’ on Trustpilot from 2,301 customer reviews.

87% of reviews rated the company at 5 stars and only 6% rated 1 star. Suggesting that, according to their customers, is a very credible company.

Tom life insurance adverts mainly uses influencer marketing to promote their service and raise awareness of life insurance to parents in the UK.

Maybe you have seen one of their ads on TV, social media or YouTube?

The company has worked with a long list of British celebrities including:

•       Tyson Fury

•       Ronan Keating

•       Joey Essex

•       Brian McFadden

•       Professor Green

•       Jeff Brazier

•       Duncan James

•       John Hartson

•       Neil Ruddock

How much is Tom Life Insurance?

The cost of Tom life insurance depends on your personal circumstances and the policy you choose (level term, decreasing term, joint cover or single policy).

Insurers will take into account the following details in order to calculate your monthly premium:

•       Age

•       Health and wellbeing

•       Medical history/family medical history

•       Whether you smoke

•       Weight/BMI

•       Occupation

•       Policy type

•       Cover amount

•       Cover length (term)

Life insurance premiums increase as you get older, so it’s important to take out a policy sooner rather than later to get the best deal.

The most effective way of finding the cheapest cover is to compare multiple quotes, as costs can vary wildly between providers.

You can do this for free through Tom or alternatively, you could use a non-advised FCA-regulated broker like They are the UK’s largest broker and have created this comprehensive Reassured: life insurance for dads article which may also be of interest.

How to buy Tom life insurance

This is how you can buy life insurance through Tom:

1.      Complete the free online quote form

2.      Get a call from an FCA authorised agent

3.      Discuss your requirements and the different policy types available

4.      Choose your policy with help from the agent

5.      Answer some questions about your health and lifestyle

6.      The agent will work out your monthly premium and provide quotes

It’s a similar process to buying life insurance through Reassured, except they can also offer you the option to buy life insurance online, without talking to an agent.

Tom life insurance contact number

If you need to contact Tom about your life insurance, then their contact details are as follows:

920 Hempton Court
Aztec West
West Almondsbury
BS32 4SR

Contact number: 0808 175 2244

Email: [email protected]

Who are Polly life insurance?

While is marketed to sell life insurance to UK dads, is marketed to sell life insurance mums. The service is effectively the same, however it is packaged to appeal specifically to mums.

Polly has also worked with an array of celebrities in order to promote their service, including Hollyoaks actress Jorgie Porter and Olympic swimmer Rebecca Adlington.

Since 2015, has sold over 750,000 policies and has more than 4,500 customer reviews on Trustpilot with an overall rating of ‘Excellent’.

Tom life insurance review summary is a legitimate FCA regulated company and could help you compare life insurance quotes from a network of UK insurers.

Although, it’s not clear which insurers they work with or which policies they have available, except for the ones we’ve described above.

Regardless of how you secure your cover, it is imperative to shop around to compare quotes to identify the best available deal. This is especially true for so many families during these tough economic times.

Life insurance is there for a worst-case scenario and acts as a safety blanket. It is one of those things which many of us don’t think we will ever need; however, it could end up being the best investment you ever make.

If you are in early adulthood and healthy you could secure approximately £200,000 of cover for 20p a day.

So why not seize the day, secure your loved one’s future and get on with enjoying life safe in the knowledge that your finances are all in order?


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