Most of us insure the car, the boiler and the holiday, but the biggest asset — the ability to earn a living — often goes uncovered. Protection insurance is designed to keep the roof over your head and food on the table if you can't work, become seriously ill, or die unexpectedly.
The three main types
Life insurance
Pays a lump sum (or regular income) to your loved ones if you die during the policy term. Typically used to clear a mortgage, replace lost income, or leave a legacy. It's often surprisingly affordable when set up in your 30s or 40s.
Critical illness cover
Pays a lump sum if you're diagnosed with one of the serious illnesses listed by the insurer — usually cancers, heart attack, stroke and multiple sclerosis, among many others. You can use the money for anything: mortgage, treatment, home adaptations or simply to take time off.
Income protection
Replaces a portion of your income if illness or injury stops you working, until you recover, retire, or the policy ends. Statutory sick pay and employer schemes usually run out quickly — this fills the gap.
How we help
As independent advisers we compare the whole market, then recommend the right combination and level of cover for your household. We handle the application, medical questions and — once accepted — help place the policy in trust so proceeds reach your loved ones quickly.
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