Life Insurance premium prices in England are on record high.
For example: if you go for a simple policy say you want cover for £500,000 for 25 years (joint application with wife) then you are looking to pay £60 per month. This is based on www.moneysupermarket.com and gocompare websites.
This means you pay £720 per year in England.
Compare this with India, you only pay £400 per year for £500,000.