How Much Protection Insurance Do I Need Overall?
Working out how much protection insurance you need can feel complicated. You may want enough cover to protect your mortgage, replace lost income and support your family, but you probably do not want to pay for more protection than you realistically need. The right amount of protection insurance depends on your income, debts, monthly expenses, […]
Can I Get Protection if I Already Have Health Issues?
Understanding Protection Insurance Options in the UK Having an existing medical condition does not necessarily mean protection insurance is unavailable. Many people with ongoing or previous health issues can still obtain life insurance, critical illness cover, or income protection in the UK. However, the cover offered, the monthly premium, and any policy exclusions will depend […]
Is Income Protection Worth It in the UK?
When it comes to protecting your income and your family’s financial future, you may be asking: is income protection worth it in the UK? With several types of protection insurance available including life insurance, critical illness cover and income protection insurance it can feel difficult to decide which type of cover you genuinely need. At […]
When Would Accident and Sickness Cover Not Pay Out?
Accident and sickness cover, often referred to as income protection insurance, can provide valuable financial support if you’re unable to work because of illness or injury. For many people across the UK, this type of protection insurance offers reassurance that they can continue paying essential bills while they recover. However, like all insurance products, accident […]
How to Protect Your Family When Buying Your First Home
Buying your first home is an exciting milestone, but it also comes with new responsibilities especially when it comes to protecting your family’s financial future. Whether you are a first-time buyer or currently saving for your move, it is important to think beyond mortgage repayments. Life can be unpredictable, and having the right protection insurance […]
Why Honesty on Your Protection Insurance Application is Critical
Applying for protection insurance is an important step in safeguarding your family’s financial future. Whether you are arranging life insurance, critical illness cover, or income protection, the information you provide on your application matters. Being honest on your protection insurance application can make the difference between a claim being paid smoothly or refused later due […]
When Does Critical Illness Insurance Not Pay Out?
Critical illness insurance can offer important financial support if you are diagnosed with a serious illness. It can help with mortgage payments, household bills, debts, recovery costs, or changes needed at home. However, critical illness cover does not pay out in every situation. Understanding when critical illness insurance may not pay out can help UK […]
What Happens After a Protection Claim Is Approved?
If you’ve taken out protection insurance in the UK, such as life insurance, critical illness cover, or income protection, you hope you’ll never need to make a claim. But if the unexpected happens and your protection insurance claim is approved, it’s natural to wonder what comes next. In this guide, we’ll explain what happens after […]
Best Protection Insurance Setup for First-Time Buyers in the UK
Buying your first home is exciting. It is a major step towards financial independence and having a place to call your own. But when you take on a mortgage, you also take on a long-term financial commitment. That is why having the right protection insurance setup for first-time buyers in the UK is so important. […]
Can I Get Mortgage Protection Insurance After My Mortgage Has Started?
Starting a mortgage is a major step in life. It is a long-term financial commitment, and for many people, protecting their home and family is just as important as securing a competitive mortgage deal. But what if you did not take out protection insurance when you first arranged your mortgage? Can you still get mortgage […]