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Insurance Guides & Advice
Plain-English guides to help you understand life insurance, critical illness cover and income protection, so you can make the right choice for your family.
Life Insurance
20 guidesDeath in Service Benefit UK: What You Need to Know
What is death in service benefit and is it enough? Learn how employer life cover works, typical payouts (2-4x salary), and why you may st...
Life InsuranceDecreasing Term Life Insurance UK: Mortgage Cover Guide
What is decreasing term life insurance? The cheapest way to protect a repayment mortgage. Learn how it works, costs, and when to choose i...
Life InsuranceFamily Income Benefit UK: Monthly Payout Life Insurance
Family income benefit pays your family a regular monthly income instead of a lump sum if you die. Learn how it works, costs, and who it s...
Life InsuranceGroup Life Insurance UK: Employer Guide
What is group life insurance? Employer-provided death in service benefit for your team. Learn how it works, costs, tax benefits, and mini...
Life InsuranceHow Much Life Insurance Do I Need?
How much life insurance do you need in the UK? Use the 10x salary rule or DIME method. Average mortgage £152,365, child costs £170,000+. ...
Life InsuranceJoint Life Insurance UK: Is It Worth It for Couples?
Joint life insurance UK for couples, is it worth it? Save 10-25% vs two policies, but only one payout. Compare joint vs single cover opti...
Life InsuranceKey Person Insurance UK: Protect Your Business
What is key person insurance? Protect your business if a vital employee or director dies or becomes critically ill. Tax-deductible premiu...
Life InsuranceLevel Term Life Insurance UK: How It Works
Level term life insurance pays a fixed lump sum if you die within the policy term. Learn how it works, typical UK costs, and when to choo...
Life InsuranceLife Insurance Cost: Average Prices Per Month
How much does life insurance cost in the UK in 2026? Average £20.82/month for £150k cover. Non-smokers from £8/month. Compare prices by a...
Life InsuranceLife Insurance for Mortgages UK: Do You Need It?
Do you need life insurance for a mortgage in the UK? 36% of mortgage holders are unprotected. Compare decreasing vs level term cover from...
Life InsuranceOver 50s Life Insurance UK: Best Plans & Providers 2026
Over 50s life insurance UK with guaranteed acceptance and no medical questions. Fixed premiums from £5/month. Compare Aviva, L&G, Roy...
Life InsuranceLife Insurance for Parents UK: Protect Your Family 2026
Life insurance for parents UK, a child loses a parent every 22 minutes. Protect your family from £5/month. Compare level term, FIB and jo...
Life InsuranceWriting Life Insurance in Trust: Why & How
Why should you write life insurance in trust? Avoid 40% inheritance tax, speed up payouts, and protect your family. Free and takes minute...
Life InsuranceLife Insurance Payouts & Claims UK: How It Works 2026
How do life insurance payouts work in the UK? £5.32bn paid in 2024 with 97%+ claims accepted. Learn the claims process and how to get pai...
Life InsuranceLife Insurance With Pre-Existing Conditions
Can you get life insurance with pre-existing conditions in the UK? Yes, cover is available for diabetes, cancer history, depression and m...
Life InsuranceRelevant Life Policy UK: Tax-Efficient Life Cover for Directors
What is a relevant life policy? Tax-efficient life insurance for company directors and employees. Premiums are a business expense, payout...
Life InsuranceShareholder Protection Insurance
Shareholder protection insurance funds a cross-option agreement so surviving shareholders can buy a deceased partner's shares. Prevent un...
Life InsuranceTerm vs Whole of Life Insurance UK: Which Is Better?
Term vs whole of life insurance UK, which is right for you? Term from £8/month, whole of life from £102/month. Compare costs, pros and cons.
Life InsuranceWhat Is Life Insurance? UK Guide 2026
What is life insurance and how does it work in the UK? Learn about types, costs from £8/month, and how to protect your family. Free quote...
Life InsuranceWhole of Life Insurance UK: Complete Guide 2026
What is whole of life insurance and is it worth it? Learn how it works, costs from £30/month, and when it makes sense vs term cover...
Critical Illness Cover
11 guidesChildren's Critical Illness Cover
Children's critical illness cover UK, often included free. Aviva paid £7.6m across 361 families in 2024. Average payout £21,321. Learn wh...
Critical IllnessConditions Covered by Critical Illness Insurance
What conditions are covered by critical illness insurance in the UK? From 35 to 174 conditions covered. Compare Aviva, Vitality, L&G ...
Critical IllnessCritical Illness Cover Cost: Average Prices
How much does critical illness cover cost in the UK? Over 50% of Aviva customers pay £20/month or less. Compare CIC prices and get quotes.
Critical IllnessCritical Illness Cover for Mortgages
Do you need critical illness cover for your mortgage? Not required but pays off your home if diagnosed with cancer or stroke. 97.9% of cl...
Critical IllnessCritical Illness Cover for the Self-Employed
Why self-employed people need critical illness cover. No employer sick pay, no safety net. How to protect your income with a CIC lump sum...
Critical IllnessCritical Illness Cover With Pre-Existing Conditions
Can you get critical illness cover with pre-existing conditions? Yes, insurers may exclude specific conditions but still cover you. Compa...
Critical IllnessCritical Illness Cover vs Life Insurance: Key Differences
Critical illness cover vs life insurance, what's the difference? One pays on death, the other on diagnosis. Learn which you need or if yo...
Critical IllnessFamily Critical Illness Cover UK: Protect Your Family 2026
Family critical illness cover UK, protect your whole family. Children's cover often included free. Aviva paid £7.6m in children's claims ...
Critical IllnessHow Much Critical Illness Cover Do I Need?
How much critical illness cover do you need UK? Cover your mortgage (avg £152,365) plus 2-3 years income. Over 50% pay £20/month or less.
Critical IllnessIs Critical Illness Cover Worth It?
Is critical illness cover worth it in 2026? With 97.9% of claims paid and cancer diagnosed every 2 minutes, find out if CIC is right for ...
Critical IllnessWhat Is Critical Illness Cover? UK Guide 2026
What is critical illness cover and do you need it? Pays a tax-free lump sum if diagnosed with cancer, stroke or heart attack. 97.9% of cl...
Income Protection
14 guidesExecutive Income Protection
Executive income protection for company directors and high earners. Tax-efficient cover paid through your company. Learn how it works and...
Income ProtectionGroup Income Protection UK: Employer Guide
What is group income protection? Employer-funded sick pay for your team. Learn how it works, costs, tax treatment, and how to set up a sc...
Income ProtectionHow Much Income Protection Do I Need?
How much income protection do you need? Most policies cover 50-70% of income. Calculate your essential costs and match your deferred peri...
Income ProtectionIncome Protection Cost: Average Premiums
How much does income protection cost UK? Average £17.52/month for £1,500 cover at age 30. From £5/month. Compare prices by age and occupa...
Income ProtectionIncome Protection for Landlords
Do landlords need income protection? If rental income is your primary income, what happens if you cannot manage properties? UK guide for ...
Income ProtectionIncome Protection for Mortgages
Income protection for your mortgage, pays your monthly mortgage if illness or injury stops you working. SSP is only £120/week. Get covered.
Income ProtectionIncome Protection for NHS Workers
Income protection for NHS workers UK 2026. Understand your NHS sick pay, pension ill-health benefits, and why you may need personal IP on...
Income ProtectionIncome Protection With Pre-Existing Conditions
Can you get income protection with pre-existing conditions? Yes, cover available for back problems, mental health, diabetes and more. Com...
Income ProtectionIncome Protection for Self-Employed
Income protection for self-employed UK, no Statutory Sick Pay means you need cover. 4.3 million self-employed at risk. Cover up to 65% of...
Income ProtectionIncome Protection vs Critical Illness Cover: Key Differences
Income protection vs critical illness cover, what's the difference? IP pays monthly for any illness, CIC pays a lump sum for specific con...
Income ProtectionIncome Protection Waiting Periods Explained:
Income protection waiting periods explained, choose 4 to 52 weeks. Extending to 13 weeks saves 30%+ on premiums. Match to your employer's...
Income ProtectionIs Income Protection Worth It?
Is income protection worth it in 2026? 1 in 5 workers face 2+ months off sick. SSP is £120/week for 28 weeks. See why fewer than 10% are ...
Income ProtectionShort-Term vs Long-Term Income Protection
Short-term vs long-term income protection UK, which do you need? Average claims last 6-7 years. Short-term covers 12-24 months, long-term...
Income ProtectionWhat Is Income Protection Insurance? UK Guide 2026
What is income protection insurance UK? Replaces 50-70% of your salary if you can't work. SSP is only £120/week, fewer than 10% of worker...
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