Guidance library

Straight-talking guides for protection clients.

Browse guidance by topic. Share any of these links with anyone you like — they explain the essentials so decisions are easier to make.

Why protection matters

The essentials of life, critical illness and income protection — and why they matter for your family.

Life, critical illness and income protection explained in plain English.

Is your life assurance still fit for purpose? Common gaps, when to review, and why older policies may fall short.

Protecting the income that pays for everything — how income protection works and why it's often the most overlooked cover.

How trusts work, choosing beneficiaries, and writing a Letter of Wishes for your trustees.

Speed, control and inheritance tax benefits of putting a policy in trust.

Nominating who should receive the proceeds of your policy.

Private, non-binding guidance that helps your trustees carry out your intentions.

An example Letter of Wishes you can adapt as personal guidance for your trustees.

What insurers look at when they assess your application, and how to prepare.

What insurers look at when they assess your application.

Why it's important not to leave applications until the last minute — outcomes, medical evidence and typical timescales.

Other useful guides that don't fit neatly into the categories above.

More guides coming soon.