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TOM Life Insurance review

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

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Our verdict

TOM Life Insurance suits UK adults who want life, serious illness and income protection arranged through a regulated broker and paid month by month from a low entry premium. Its scores put cost at 9.1 and trust at 8.8, with premiums starting at £5.

Key facts

Best for
Monthly life, critical illness and income protection arranged by a UK broker from a low entry premium.
Premium from
£5↗
Insurance types
Life, Critical-illness, Income-protection↗
Provider type
Broker↗
Monthly payments
Yes↗
Age range
18 or over↗
Legal entity
Clark Insurance UK Ltd↗
Headquarters
United Kingdom↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
tom.co.uk

Facts checked September 30, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
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Pros and cons

Pros

  • Premiums start at £5, a lower entry point than Linxea's €25, and monthly payments are available so the cost is spread rather than paid up front.
  • Cover spans life, critical illness and income protection in a single place, letting a household line up life, critical illness and income protection with the same broker.
  • Support runs on email, phone and help centre, giving policyholders phone and email alongside a help centre for claim queries.
  • Registration with the Financial Conduct Authority in GB sits under 603273, so the firm is identifiable and checkable.

Cons

  • TOM is a broker rather than an insurer, so the party that owes a valid claim is the insurer named in the policy schedule rather than the brand behind the quote.
  • Support runs on email, phone and help centre only, with no chat or branch option in the listing for anyone who prefers live chat or face to face help.
  • The only payment model listed is monthly, so a lump sum payment route does not appear in the listing for a household that would rather settle the cost at the start.
  • The £5 figure is an entry premium rather than a price for a chosen sum insured, so a reader with a target cover amount cannot read a final cost from it.

Ready to try TOM Life Insurance?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • UK adults taking out life, critical illness or income protection through a single regulated intermediary.
  • Households budgeting monthly, since monthly payments are available and the only listed model is monthly.
  • Readers who want premiums at the lower end, with cover starting at £5.

Who should look elsewhere

  • People after travel cover, since bunq Spain lists travel and serves a different type of policy.
  • Anyone comparing borrowing rather than protection: Oney Préstamos lists amounts from €1,000.
  • Readers who want live chat or branch support, since support runs on email, phone and help centre only, and Linxea is the alternative to compare support with.

Price signals

TOM Life Insurance starts at a premium of £5, which is the entry point on the life insurance range rather than a price for a particular sum insured. Monthly payments are available, and the payment model listed is monthly, so the cover is set up to run month by month instead of as a single lump sum. That structure suits readers who budget monthly, since the policy can sit alongside other recurring household costs rather than needing a block of cash on the day it starts. The trade-off sits in the commitment: a low entry premium is tied to a monthly payment that has to keep running for as long as the cover is wanted, and the amounts insured sit behind the policy wording rather than in the entry figure. A reader who wants a bigger monthly sum in order to hold more life cover is looking at a different quote from the same starting point.

Regulation and registers

Regulatory status comes first for anyone buying protection. TOM Life Insurance is authorised by the Financial Conduct Authority in the United Kingdom, under registration 603273. The register lists TOM as a broker rather than an underwriter, so the company named on the documents is the intermediary: the policy that pays a claim is issued by the insurer shown in the schedule. That distinction shapes the rest of the purchase. The broker is accountable to the Financial Conduct Authority for how cover is sold and advised, while the sums insured, the exclusions and the claims wording are set by the insurer. Buyers who skim past that structure can end up holding a regulated intermediary without a clear view of the insurer behind the wording, so reading the schedule matters as much as the registration. Matching the registration quoted here against the regulator's own record is the quickest check that the firm answering the enquiry is the firm named in the policy.

Cover and limits

Cover runs to life, critical illness and income protection, so life cover, a lump sum on a critical illness diagnosis and an income replacement policy are all available through the same arrangement. That trio is what a household weighing the effect of illness is usually trying to solve: a death benefit that clears the mortgage, a diagnosis payment that covers treatment or a partner's time off, and an income policy that replaces earnings through a period of illness. The listed entry point is 18 or over, which is the age band at which a policy can be taken out. Having all of these lines with the same broker means the amounts can be set against each other in one place, rather than being negotiated separately with different providers. What the listing does not set out is the sum insured on each line or the policy term, so a reader comparing options is comparing starting points and needs the insurer wording before deciding.

Safety of your money

Safety with protection rests on two things: who stands behind the policy and who supervises the sale. TOM Life Insurance is listed as a broker, so the party that owes a claim is the insurer named in the policy schedule rather than TOM itself, and the supervisory perimeter around the broking activity sits with the Financial Conduct Authority under registration 603273. The practical point for a household is that the broker's status protects the buying process, while the strength of the insurer behind the schedule protects the payout. That is why the insurer's wording deserves the same attention as the premium being quoted. Broking is a common structure in the UK, and the same reading applies to any broker, so the registration check is worth making on every quote, TOM's included. What TOM adds is a named contracting company and a registration that can be checked, rather than a listing with nothing behind it.

Who runs it

The contracting company is Clark Insurance UK Ltd, based in the United Kingdom, with the Financial Conduct Authority registration 603273 covering its UK broking activity. Support runs on email, phone and help centre, which matters more in protection than in a savings account, because a household mid-claim needs a person as much as a portal, and the phone and email routes cover the two ways most claim questions arrive. Chat and branch help are not part of the listed support set, so anyone who prefers live chat or a face to face conversation works through the phone line or the help centre instead. Keeping the registration alongside the company name closes the loop between the paperwork and the firm behind it, and the insurer named in the schedule is the other name worth keeping on file, since that is the party that pays.

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

How much does a TOM Life Insurance policy cost?+

Premiums start at £5, which is the entry point on the life insurance range rather than a price for a chosen sum insured. Monthly payments are available, and monthly is the only payment model listed, so the cost is set up to run month by month. Cover also extends to life, critical illness and income protection within the same arrangement.

Can I pay monthly instead of settling the cover in one go?+

Monthly payments are available and the only payment model listed is monthly, so the premium is designed to be paid month by month. That is the structure to pick if a lump sum would strain the household budget. Anyone wanting a different payment arrangement would need to ask the broker, since only monthly appears in the listing.

Who regulates TOM Life Insurance?+

TOM Life Insurance is authorised by the Financial Conduct Authority in GB under registration 603273. That registration puts the firm's broking activity inside the UK regulatory perimeter, so the way cover is sold and advised is supervised. Checking the registration against the regulator's public record confirms the firm behind the quote matches the firm named in the documents.

Is TOM an insurer or a broker?+

TOM is listed as a broker, so it arranges cover rather than underwriting it. The contract sits with Clark Insurance UK Ltd, and the insurer named in the policy schedule is the party that pays a valid claim. For a household, the broker's registration covers the advice and the sale, while the policy wording comes from the insurer.

What kinds of cover can I take out?+

Cover runs to life, critical illness and income protection, which covers death, a critical illness diagnosis and a period without income. Keeping all of them within a single arrangement makes it easier to check that the amounts line up with a mortgage, with bills and with any sick pay the employer provides.

Who can take out a policy?+

Entry runs from 18 or over, so adults across a wide age range can take out a policy. A couple wanting the same protection for both adults can quote on the same basis, and the monthly model sets the cost of each policy against the household budget instead of a lump sum on the day.

How do I get help, and how are claims handled?+

Support runs on email, phone and help centre, so a policyholder can reach the firm by phone, by email or through the help centre. In a protection product the phone line matters, since a claim usually starts with a conversation rather than a form. Chat and branch help are not part of the support set listed here.

Which company is behind the policy?+

The firm you deal with is Clark Insurance UK Ltd, based in the United Kingdom, with Financial Conduct Authority registration 603273. Since TOM is a broker, that company arranges the cover and the insurer named in the schedule provides it, so both names are worth keeping on file for a claim.

Does the lowest premium make a policy the cheapest overall?+

Not on its own. TOM's £5 is the entry premium, and the amount of cover and the length of the term decide what a policy costs across its life. Retail loss figures across the products on this site sit at 72%, a reminder that a headline price rarely tells the whole story.

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

Monthly life, critical illness and income protection arranged by a UK broker from a low entry premium.

9.0/10See alternatives