Protect What Matters
Five Ways To Protect What Matters
Most people put off thinking about protection because the conversation can feel uncomfortable or because they assume their existing cover is doing more than it actually is. The truth is, the right policy depends entirely on what you’re protecting and why, and the wrong one can leave you paying for cover that wouldn’t pay out when you need it.
Here’s a straightforward overview of the main types of insurance our advisors arrange, what each one actually does, and a quick test to help you work out whether it’s worth a closer look. No jargon, no hard sell, just the facts you’d want to know before making a decision. Almost everyone needs at least one of these. Many people benefit from two or three working together. Very few need all five.
Home Insurance
Covers the building you live in and the contents inside it against risks like fire, flood, storm damage, theft and accidental damage. The level of cover should match the actual rebuild cost of your property and the true value of your possessions, not just whatever the cheapest comparison site quote happens to suggest.
Right for you if: you own your home, or you rent and want to protect what’s inside it.
Life Insurance
Pays out a lump sum or regular income to the people you leave behind if you die during the policy term. The money can clear a mortgage, replace lost income, cover school fees or simply give your family the breathing space to grieve without worrying about money. We also help you set policies up in trust where appropriate, which can speed up payment and may help with inheritance tax.
Right for you if: someone depends on your income, or you have a mortgage.
Critical Illness Cover
Pays out a tax free lump sum if you’re diagnosed with one of the serious conditions listed in your policy, typically including cancer, heart attack, stroke and many others. The money can be used however you and your family need it most, whether that’s clearing the mortgage, funding private treatment, adapting your home or simply giving you the time to recover without financial pressure.
Right for you if: a serious diagnosis would put your home or family lifestyle at risk.
Income Protection
Pays you a regular monthly benefit if you can’t work due to illness or injury, helping you cover essential outgoings until you’re well enough to return. The right policy is built around your sick pay arrangements, your savings, and how long you could realistically manage without an income before things start to slip.
Right for you if: your salary keeps the household running, especially if you’re self employed.
Mortgage Protection
A combination approach that brings together life cover, critical illness and income protection, arranged specifically to keep your home safe if you die, become seriously ill or can’t work. The cover is matched to the outstanding balance and remaining term of your mortgage, so the level of protection moves with you as you pay it down.
Right for you if: you’ve taken out a mortgage and want certainty that the home stays in the family.
Most People Aren't As Covered As They Think
Income protection is one of the most overlooked policies in the UK, and even among those who have it, the vast majority aren’t covered to a level that would genuinely keep their household afloat. The gap between how protected people feel and how protected they actually are is the quiet risk that catches most families off guard.
It’s not about buying more, it’s about making sure what you have actually does the job. A short review with one of our advisors is the easiest way to find out where you stand.
Feel Free To Discuss Your Cover
A short conversation with one of our advisors is the easiest way to work out which of these apply to you, where you might be over insured and where you have gaps worth filling. The advice is honest, the admin is ours and there’s no pressure to buy anything you don’t need.