Nobody enjoys this conversation, so we'll keep it honest and brief. Every plan we build rests on an assumption: that you'll keep earning, keep living, keep being fine. Protection is what holds everything up if one of those stops being true. It's not the exciting part of financial planning, but it's the part that gives you peace of mind.
If you died tomorrow, would your family be grieving or grieving and worrying about the mortgage? Life insurance answers the second problem, and it's usually cheaper than people expect. The right amount and structure depend on your debts, your dependants and what other provision you already have, including cover through work, which is where we come in.
Your income is the engine behind every other plan you have, yet most people might insure their phone and forget about their salary. Income protection pays you a monthly amount if illness or injury prevents you from working, for as long as you need it or until retirement. Of everything on this page, it's the one we think is most underrated.
A serious diagnosis can change your priorities in an afternoon. Critical illness cover pays a lump sum on diagnosis of specified conditions, which could be used to clear the mortgage or cover time off work, so money is the one thing you're not thinking about. The policy detail genuinely matters here; two policies with the same name can cover very different things, and this is somewhere reading the small print really matters.
Cover doesn't need to be complicated or expensive to be right. Family income benefit, for example, pays a monthly income to your family rather than a lump sum, which is often closer to what they'd actually need, at a lower cost. We'll recommend what fits, and if you're already well covered, we'll tell you that instead.
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