Tom life insurance review

4 min Read Published: 26 Sep 2022

Tom life insurance reviewIn this article, we review the life insurance company, Tom that offers dads life insurance to protect their families in case the worst were to happen. We'll also share an alternative way to get life insurance for your family with up to £100 cashback.

What is Tom life insurance? does not provide life insurance directly, explaining that it 'helps you find quotes for life insurance by introducing you to FCA authorised companies'. Instead, it collects your information via its online quote request form, sending it to one of a number of vetted, FCA authorised companies who will be responsible for providing advice and putting the insurance in place.

Overview of Tom life insurance is the registered trading name for Candid Insurance Services Ltd. and is authorised and regulated by the Financial Conduct Authority. creates online and television campaigns targeting dads, raising awareness of the need for life insurance - the most recent of these features the British professional boxer, Tyson Fury. Since its inception in 2014, Tom life insurance says it helps dads find the right life insurance for free and has covered 50,000+  families with life insurance protecting them against financial hardship. Tom life insurance campaigns reveal that every 22 minutes a child in the UK loses a parent who they depend on.

You can read about different types of life insurance and illness insurance products on but speaking to an adviser will help you to understand which of these policies is best for you.

Types of life insurance available through Tom life insurance

The following types of life insurance are available to buy with

  • Level term life insurance - pays a lump sum of money if you die within the years that you're insured for and the payout is the same regardless of whether the claim is made in early or later years of the policy
  • Decreasing term life insurance - pays a lump sum if you die during the time you're insured but the amount of cover reduces each year, usually in line with how a repayment mortgage balance reduces
  • Family income benefit insurance - instead of a lump sum, this type of life insurance policy provides your family with an income if you die, up until the policy end date

Does Tom offer critical illness insurance?

Yes, you can usually arrange critical illness insurance. The specialist insurance brokers who deal with your enquiry (once sends it on) should have access to quotes for critical illness cover. However, critical illness insurance is a more complex type of insurance than simple life insurance so if you're considering covering yourself against illnesses such as cancer, heart attack and stroke, you should speak with a critical illness insurance expert* who will recommend the best cover at the best price and not just the cheapest quote.

Can I get income protection with Tom life insurance?

Yes, Tom life insurance passes your information on to a broker who should be able to provide you with information about income protection insurance. Income protection insurance is tailored based on your occupation and your specific financial needs. For example, there are limits on how much of your income can be insured using this type of policy and it's also worth working out how long your waiting period should be so that if you become sick. It is worth speaking to a specialist for this type of insurance who can arrange it alongside any life insurance that you need - we provide details of this later in this article.

How good is Tom life insurance? is rated as 'Excellent' on independent customer review site Trustpilot scoring 4.6 out of 5.0 based on 1,595 reviews. The positive reviews cite a fast response and helpful advice. Of the negative reviews, some have mentioned receiving 'constant calls' and that they were not aware that their details would be passed on to third parties.

How to buy Tom life insurance

After completing a short online questionnaire, your quotation request will be sent to one of a number of FCA authorised life insurance specialists. You'll usually receive a call within a few minutes and the adviser should be able to discuss the different types of life insurance and how these may suit your personal circumstances.

Once you're happy with the quotes that the broker discusses with you, they will take you through a detailed application over the phone and your documents can be emailed and/or posted to you.

Tom life insurance alternative

Buying life insurance can seem straight forward but speaking to a specialist life insurance adviser can provide a great deal of value at no extra cost.

A specialist life insurance adviser will add value by working out what you need based on your situation, explaining how different types of life insurance work and tailoring your life insurance to what you want to spend. They are even able to arrange a trust so you can make sure that any payout goes to the right people

We have vetted the services of a specialist life insurance broker*. The advisers are well trained to recommend the insurances that you need as well as get you the best price. As a Money to the Masses reader, you'll also receive up to £100 cashback if you buy your life insurance this way.



If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. The following link can be used if you do not wish to help Money to the Masses and do not wish to qualify for the cashback referred to in the article