Protection
Protection guides: life insurance, critical illness cover, income protection, family income benefit, business protection and home insurance.
16 articles
Articles
8 min read How Much Life Insurance Do I Need? A UK Guide
How much life insurance do you need? Work it out in four steps: debts, income to replace, one-off costs and what you already have. Worked example included.
7 min read Joint vs Single Life Insurance: Which Is Better for Couples?
Joint vs single life insurance: a joint policy pays once and is often cheaper, two single policies can pay twice. Compare cost, cover and separation.
9 min read Life Insurance in Trust: How It Works and Why It Matters
Writing life insurance in trust can get the payout to your family faster and keep it outside your estate for inheritance tax. See which type of trust fits.
9 min read Life Insurance with Health Conditions: What to Expect
Can you get life insurance with a health condition? Often yes. How insurers assess diabetes, mental health, heart conditions and cancer, and what to disclose.
9 min read Mortgage Life Insurance: Do You Need It?
Do you need life insurance for a mortgage? It is not a legal requirement, but here is when it matters, which type fits your loan and how much cover to take.
10 min read Buildings and Contents Insurance: What Homeowners Need to Know
Buildings and contents insurance explained: when your lender needs it, how to set the right rebuild cost and how to avoid being underinsured when you claim.
11 min read Critical Illness Cover: A Clear UK Guide for 2026
Critical illness cover explained: what it pays for, the ABI minimum standards, how definitions work and why claims fail, so you can choose cover that pays out.
10 min read Decreasing Term Life Insurance: Mortgage Life Cover Explained
Decreasing term life insurance explained: mortgage life cover that falls with your repayment mortgage, so your home is paid off if you die. Avoid common gaps.
10 min read Family Income Benefit Explained: A UK Guide
Family income benefit explained: life cover that pays your family a monthly income if you die, often for less than a lump sum policy. See how it compares.
11 min read Income Protection Insurance: How It Works and What to Choose
Income protection insurance explained: how it pays a monthly income if you cannot work, what sick pay really covers and how to choose the right policy for you.
11 min read Key Person Insurance: Protecting Your Business From Losing Someone Vital
Key person insurance explained: who counts, how to value cover, how HMRC taxes premiums and payouts, and how it keeps your business going after a loss.
10 min read Level Term Life Insurance Explained: A UK Guide
Level term life insurance explained: a fixed lump sum if you die during the term, so your family can clear debts and keep living. See how to choose the cover.
12 min read Life Insurance for Company Directors: Relevant Life Cover Explained
Life insurance for limited company directors explained: how relevant life cover lets your company pay, the HMRC conditions, the trust and what it can save you.
12 min read Shareholder Protection Insurance: Keeping Control When an Owner Dies
Shareholder protection insurance explained: how it funds a share purchase when an owner dies, the agreement you need and how to protect business relief.
17 min read The Ultimate UK Protection Insurance Guide 2026
Protection insurance explained: life cover, critical illness, income protection and business cover, how much you need, what affects the cost and how claims pay.
10 min read Whole of Life Insurance Explained: A UK Guide
Whole of life insurance explained: cover that pays out whenever you die, to help with funeral costs or an inheritance tax bill. See how trusts help.
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