Sort the cover today. Say hi to tomorrow.
Life insurance, critical illness cover and income protection, compared across UK insurers by advisers who do the forms with you and stay around for the claim.
free advice, real people, no fee for personal cover
Start your quote
Pick the cover and answer a few questions. An adviser comes back with real prices.
Five kinds of cover, five different jobs
Most families need two or three of these working together. We help you choose the mix, so you're not paying for overlap.
- Life insuranceA lump sum if you die during the policy.Read more
- Critical illness coverA lump sum if you're diagnosed with a serious illness it covers.Read more
- Income protectionA monthly income if illness or injury stops you working.Read more
- Mortgage protectionEnough to clear the mortgage if you die before it's paid off.Read more
- Family income benefitA monthly income for your family for the rest of the policy term.Read more
Also: joint life insurance, private medical insurance and business protection for company directors.
How it works
- 1
You tell us what matters
Who depends on you, what you owe, what you earn. A short call or the form, whichever suits you.
about ten minutes
- 2
We compare the market for you
We look across UK insurers, including the ones that are kinder to your health, job or hobbies, and recommend what fits.
no cost for our advice
- 3
We do the paperwork with you
Application, medical questions, writing the policy in trust. Then we stay on file, so your family has someone to call if they ever claim.
glad we planned ahead.
Cover for where you are in life
- Cover for parents
- First-time buyers
- Self-employed income
- Cover when pregnant
- Remortgaging
- In your 30s
- If you have sick pay
- Inheritance tax planning
Health not perfect? Most people still get cover.
- Diabetes
- High blood pressure
- After cancer
- Depression or anxiety
- High cholesterol
- Epilepsy
- Multiple sclerosis
- Crohn's disease
- Back pain
- ADHD
Cover that understands your job
All 136 jobsWhy use a broker instead of buying online?
Comparison sites show you prices. They don't tell you which insurer is gentler on type 2 diabetes, which one pays out on a wider list of cancers, or that your policy should be written in trust so it reaches your family quickly.
That's the part we do. You get the same insurers, an adviser who explains the differences, and someone to ring if your family ever has to claim.
Broker or direct: the honest comparisonPopular guides
- How much life insurance do I need?A step by step way to land on a cover amount that fits your mortgage, your income and the people who rely on you.
- Writing life insurance in trustWhy a trust can get the payout to your family sooner, what trustees do and the main types of trust in plain English.
- Does life insurance pay out?What makes a life insurance claim succeed, the three reasons claims are declined and simple ways to protect your family's payout.
- Should I use a broker or buy life insurance direct?How buying direct, using a comparison site and using an advised broker differ in choice, advice and help when you claim.
Questions people ask us
What does Hi Tomorrow do?
Hi Tomorrow arranges life insurance, critical illness cover, income protection, mortgage protection and business protection for people across the UK. We are an advised broker: we compare insurers, recommend cover that fits your circumstances, help with the application and help your family if they need to claim.
Do you charge for advice?
There's no fee for our advice on personal protection. We're paid commission by the insurer you choose, and the price you pay is set by that insurer. We'll always tell you how we're paid before you buy anything.
Who is Hi Tomorrow?
Hi Tomorrow is a trading name of CoverTrade Risk Management Ltd, a UK insurance broker authorised and regulated by the Financial Conduct Authority, firm reference 1020148. Our advisers are based in Hampshire and work with customers all over the UK by phone and email.
Can I get life insurance if I have a health condition?
Usually, yes. Most people with conditions such as diabetes, high blood pressure, asthma or a history of depression can get cover, sometimes at standard rates and sometimes with a higher premium or an exclusion. Insurers differ a lot, which is why comparing them with an adviser helps.
How quickly can I be covered?
Some policies start the same day the insurer accepts your application. Others need a GP report or a quick medical first, which can take a few weeks. We'll tell you up front what the insurer is likely to ask for so there are no surprises.
Ten minutes on the phone. Sorted for years.
Tell us what you want to protect and we'll compare UK insurers, explain the options plainly and handle the forms. Monday to Friday, 9am to 6pm.
Tomorrow-you will be glad you did.