Tom life insurance (UK): how it works, cover and who provides it

Last updated: 9 June 2026

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What is Tom life insurance?

Tom is a digital life insurance brand aimed at UK families, designed so you can get a quote and apply online without lengthy forms or jargon. It is run by Candid Insurance Services Ltd (part of the Clark group), which arranges the cover, while the policies themselves are underwritten by iptiQ, Swiss Re's digital insurer. The pitch is straightforward, affordable family protection that you can set up quickly from your phone or computer.

How Tom works

You answer a short set of questions online about you and your health, and Tom returns a quote, often with an instant or near-instant decision for straightforward cases. Prices are advertised from £5 a month, though your actual premium depends on your age, health, the cover amount and the policy term. Policies typically include access to a virtual GP service for the life of the cover, which lets you book remote GP appointments.

Support is handled digitally. You manage your policy and contact the team online or by message rather than over the phone, which suits people who prefer to sort cover without a call.

What Tom covers

Tom offers term life insurance: you choose a cover amount and a term, and if you die during that term, the policy pays out a tax-free lump sum to your family or beneficiaries. It is protection rather than an investment, so it has no cash-in value and the cover ends when the term finishes. Life cover often sits alongside a will when planning for your family, and our Farewill guide covers the wills side.

As with any life policy, the amount of cover, the term, the exclusions and the price are set out in your personalised quote and policy documents, so read them carefully before you commit.

Who provides the cover, and is it regulated?

Tom and TOM.co.uk are trading names of Candid Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 603273). Candid is registered in England and Wales (company number 07279489), with its registered office at 920 Hempton Court, Aztec West, West Almondsbury, Bristol, BS32 4SR. The life cover is underwritten by iptiQ, the digital insurance arm of Swiss Re, and the specific insurer is named in your policy documents. CoolCuration is not authorised by the FCA and does not give insurance or financial advice.

Things to know before you get a quote

Tom is a digital-first service, so there is no phone line for support; you deal with the team online or by message. When you request a quote, it is worth knowing how your details are used. Candid operates a referral model, which can mean your information is shared with insurance partners, and some customers have reported follow-up contact after requesting a quote. Before you submit your details, read Tom's privacy notice so you understand who may contact you and how to opt out. Always compare the cover, term and price against other providers rather than choosing on the headline starting price alone.

Start a Tom life insurance quote

FAQs

Is Tom life insurance legitimate and regulated?

Yes. Tom is a brand of Candid Insurance Services Ltd, authorised and regulated by the Financial Conduct Authority (FRN 603273). The cover is underwritten by iptiQ, part of Swiss Re. You can check Candid on the FCA Register.

Who underwrites Tom life insurance?

Policies are underwritten by iptiQ, Swiss Re's digital insurer, while Candid Insurance Services Ltd arranges the cover under the Tom brand. The insurer responsible for your specific policy is named in your documents.

How much does Tom life insurance cost?

Tom advertises prices from £5 a month, but your premium depends on your age, health, the cover amount and the term. The only way to see your price is to complete a quote, and it is worth comparing it against other insurers.

How do I contact Tom?

Tom is digital-first, so you contact the team online or by message rather than by phone. Manage your policy and send queries through your account or Tom's online channels.

Will I get sales calls after a quote, and how is my data used?

Candid uses a referral model, so your details may be shared with insurance partners and you may receive follow-up contact. Read Tom's privacy notice before submitting your information so you know who may contact you and how to opt out.

Can I cancel a Tom policy?

Life policies come with a cooling-off period during which you can cancel for a refund of any premiums paid, provided no claim has been made. After that you can usually cancel at any time, but the cover stops and term policies have no cash value. Check your policy documents for the exact terms.

Authority and useful sources

• FCA Register: Candid Insurance Services Ltd (FRN 603273), the firm behind Tom.
• MoneyHelper: life insurance guide, impartial guidance on how much cover you need.

Disclaimer

This page is for general information only and is not financial or insurance advice. Cover, exclusions, eligibility, prices and terms are set by Tom and the underwriter and can change, so always read the policy documents before buying, and consider impartial guidance from MoneyHelper or a qualified adviser. CoolCuration is not authorised by the Financial Conduct Authority. This page contains a referral link; if you sign up through it, CoolCuration may receive a commission or referral bonus at no extra cost to you. It does not affect our editorial view.

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