DeadHappy life insurance

DeadHappy Limited has now entered administration.

Previously offering a life insurance with a 'one-size fits all' product, DeadHappy was an intermediary, meaning they designed their products but were underwritten by insurance company Shepherds Friendly.

Their aim was to simplify the process of purchasing a life insurance policy to reach a wider audience of customers.

Whilst DeadHappy no longer offer their services, if you’re looking for life insurance, Reassured can offer a simplistic life insurance journey whether that’s with our buy online service or by speaking with one of our friendly team members who can guide you throughout the entire application.

Simply get in touch today for your fee-free quotes.

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Why use Reassured to compare life insurance quotes?

Who are DeadHappy Limited?

DeadHappy was founded in July 2013, based in Leicester, by Phil Zeidler and Andy Knott.

They are best known for their unconventional marketing strategies, with the slogan ‘life insurance to die for’ and ‘life insurance for death wishes’.

DeadHappy were underwritten by Shepherds Friendly, a well-established, incorporated Friendly Society.

In 2023, DeadHappy had accumulated 25,000 customers with £2.5m in revenue.

However, in June 2024, the company had to enter administration due to financial struggles.

DeadHappy customer reviews

Looking at customer reviews provides an honest insight into a customer’s experience using an insurer and if they are any good.

Whilst DeadHappy are no longer providing their services, below shows how customers have rated them in the past on Trustpilot:

ReviewerProductRatingAnalysis
Trustpilot Life insurance4.8
('Excellent')		‘Excellent’ is the best rating you can receive on Trustpilot. Out of 2,315 customer reviews, 94% rated DeadHappy as 5 stars.

Reassured are rated as ‘Excellent’ on Trustpilot from over 75,000 customer reviews.

Life insurance from DeadHappy

DeadHappy used to offer level term life insurance with reviewable premiums (a policy that increases its premium amount every year on the policy anniversary).

Their policy applications would be advertised as ‘No long forms - We only ask you 4 questions’.

The questions DeadHappy would ask when applying were:

  • Have you had cancer?
  • Has there been anything wrong with you in the past few years?
  • Have you been given a prescription that lasted more than a month?
  • Are you over 17 stone?

Whilst no longer available via DeadHappy, below are some key points about their life insurance:

  • £1,000 - £350,000 pay out
  • 18 - 60 years of age to take out a policy
  • 10 year guarantee on a life insurance pay out (10 year term)
  • All policies underwritten by Shepherds Friendly

Whilst Reassured can’t offer DeadHappy life cover, we can offer other term polices from insurers, including level term and decreasing life insurance.

Both policy types will last for a set period of time (up to 40 years), a suitable option for those looking to cover finances like a mortgage. A level term pay out will remain the same and decreasing term will decrease.

Why not get in touch with Reassured today to explore a variety of life insurance policies from some of the UK's leading insurers?

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Why do I need life insurance?

Whilst DeadHappy made light of the topic of passing away with their slogan as 'life insurance to die for', it’s important to consider what finances you’d like to cover for your loved ones if you weren’t around anymore.

Life insurance can help to safeguard your loved one’s financial future if the worst were to happen to you. Having a policy in place can help cover finances such as:

  • Rent / mortgage payments
  • Childcare
  • Funeral costs
  • Living costs / household bills
  • Any other financial debts

Reassured’s life insurance quotes are personalised, fee-free and with no-obligation, meaning you can explore your options without any pressure.

Life Insurance Calculator

Calculate how much life insurance you may need by filling in the costs you’d like your policy to cover.

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk
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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk
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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk
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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk
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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org
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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk
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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net
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Have DeadHappy gone into administration?

Yes, DeadHappy entered administration in June 2024.

DeadHappy released a statement earlier this year to confirm their administration. Adam Stephens and Kevin Ley of Evelyn Partners LLP were appointed as joint administrators of the firm on June 24 2024.

For existing customers, their policies should all remain valid and payments can be made as they have done previously.

Their website states that contact with the company should continue through the same channels.

For more information, visit the DeadHappy website which should offer guidance and support to existing customers.

DeadHappy advert

Amongst other controversial campaigns, DeadHappy faced backlash and reports to the FCA (Financial Conduct Authority)[1].

With the tagline “Life Insurance. Because you never know who your doctor might be” featuring murderer Harold Shipman, DeadHappy had released this ad amongst a variety of other distasteful publications, including their Facebook ad that was banned for ‘trivialising suicide'[2].

Also receiving controversy with their skull logo and cartoon advertising.

DeadHappy contact number

If you or a loved one had a DeadHappy life insurance plan, for claims and information you can email: help@deadhappy.com

Or calls can be made to the DeadHappy claims line on 0116 350 0134.

Compare life insurance quotes

While it may not be possible to buy life insurance from DeadHappy anymore, there are still many life cover options available from alternative insurers.

It's crucial to shop around and compare different life insurance quotes before making a decision.

By exploring the market, you can ensure you're getting the best deal and finding a policy that fits your needs perfectly.

Reassured can offer a variety of fee free quotes from a panel of top UK insurers provided by our friendly call handlers who can provide you with all the information you need, as well as assisting you throughout the application process.

We also provide a buy online option, offering a hassle-free application that can be completed at your own pace.

Why not get in touch today to begin your life insurance journey?

Get Life Cover Quotes from Top UK Insurers »

Sources:

[1] https://protectionreporter.co.uk/fca-steps-in-on-controversial-life-insurance-ads.html

[2] https://www.bbc.co.uk/news/uk-england-leicestershire-50743723

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