Life and Protection Insurance

The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased. With this in mind, it makes sense to periodically review your cover with the help of a professional financial adviser. This section provides helpful information on the different types of protection product available.



The Financial Conduct Authority does not regulate Trusts.


Beginner's Guide to Protecting your Future

Beginner's Guide to Protecting your Future

It's a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our health and loved ones. This guide will assist you in considering your own situation.

Payment Protection Insurance / Short Term Income Protection Insurance

Payment Protection Insurance / Short Term Income Protection Insurance

Payment Protection Insurance and Short Term Income Protection Insurance can provide a monthly income to help cover your regular outgoings if you can’t work due to an accident, illness/injury or, often as an optional extra, unemployment.

What is Critical Illness Cover?

What is Critical Illness Cover?

Although Critical Illness cover is sold by life assurers, there is a big difference when compared with life insurance - you don't have to die to benefit from the Critical Illness insurance policy. This type of cover is designed to pay out a lump sum in the event of you suffering from certain types of critical illness or if you have to undergo certain types of surgery as specified in the policy terms and conditions.

What is Income Protection Insurance?

What is Income Protection Insurance?

Income Protection Insurance is designed to pay you a regular monthly income if you are incapacitated and unable to work due to illness or injury.

What is Level Term Assurance?

What is Level Term Assurance?

The name says it all. It's term assurance, as you only get a payout within the set 'term' e.g. 18 years. Its level, because the payout you get is fixed from the start of the term until the end. Level term assurance thus guarantees a known lump sum payout upon death within a fixed time e.g. £150,000 if you die within the next 18 years.

What Is Mortgage Life Assurance?

What Is Mortgage Life Assurance?

Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependants need not worry about repaying the mortgage if you die.

What Is Whole of Life Assurance?

What Is Whole of Life Assurance?

Whole of Life Assurance is designed to pay out in the event of death, whenever it occurs. The premium you pay can include an investment element which helps to pay for the cost of cover over time. The cost of cover can be more expensive than term assurance, but there is usually a surrender value too.

Personal Finance

Over 7,000 nurses and doctors might leave the NHS to avoid a financial penalty when the Coronavirus Act expires in March this year.
JLM Mortgage Services has claimed it has become the first mortgage and protection network in the UK to offer a Carbon Neutral house-buying process to all its purchase clients.
HSBC may be tightening its lending criteria, analysts warn, with more lenders likely to follow suit over the coming months
UK households could be hit with a double whammy of soaring energy bills in April and October
Mary Harper who was Aviva Financial Advice managing director and UK life director has died.