Straight answers about protection
How much cover you need, what changes the price, trusts, claims and the jargon in between. Written plainly, so you can decide with your eyes open.
Choosing cover
- How much coverA step by step way to land on a cover amount that fits your mortgage, your income and the people who rely on you.
- Broker or directHow buying direct, using a comparison site and using an advised broker differ in choice, advice and help when you claim.
- Term vs whole of lifeHow term and whole of life cover work, what each one costs relative to the other and the needs each type suits best.
- Reviewing your coverWhen to look again at the life cover you already hold, what to check and how to switch or top up without leaving a gap.
- Death in service vs life coverWhat death in service pays, why it stops when you change jobs, and how personal life cover fills the gaps.
- Outliving your policyWhat happens at the end of a term policy, why there is no refund, and what to do if you still need cover.
- More than one policyWhy holding more than one life policy can make sense, what to disclose, and how limits on total cover work.
- Medical examsWhen insurers ask for a medical, what the nurse checks, and simple ways to make the appointment go smoothly.
- GP reportsWhy insurers request GP reports, your rights over them, and practical ways to keep your application on track.
- How long cover should lastHow to choose the length of a life insurance policy around your mortgage, children and retirement.
- Changing your policyWhich changes your insurer will make to your existing policy, and which ones mean starting a new application.
- Switching policiesHow to judge whether a new policy beats the one you hold, and the order to switch in so your cover never has a gap.
- What a broker doesThe jobs a protection broker does for you, from first conversation to claim, and how they get paid.
- Questions to askA checklist of the questions that lead to the right cover, for you and for whoever sells it to you.
- Life insurance mythsThe beliefs that stop people buying cover they would benefit from, and the facts behind each one.
- Lump sum or monthlyHow lump sum and monthly payouts compare, and how to match each one to the costs your family would face.
- Talking to your familyA friendly guide to sharing your cover plans with the people who would one day need to use them.
- Mortgage or family coverHow to decide whether your cover should clear the mortgage, support your family, or do both jobs.
Trusts and tax
- Life insurance in trustWhy a trust can get the payout to your family sooner, what trustees do and the main types of trust in plain English.
- Inheritance tax and life coverHow life insurance interacts with inheritance tax, why trusts matter, and how cover can be set up to meet a tax bill.
- Is life insurance taxable?How UK tax applies to life insurance payouts, premiums, trusts and business policies, without the jargon.
- Choosing a trusteeWhat trustees do, who makes a good one, and how many to name on your life insurance trust.
Claims
- Does it pay out?What makes a life insurance claim succeed, the three reasons claims are declined and simple ways to protect your family's payout.
- How to make a claimA step-by-step guide to claiming on life insurance, critical illness or income protection, with the documents you will need.
- Finding a lost policyPractical steps for tracing a policy when someone has died and nobody can find the paperwork.
Critical illness
- What critical illness paysThe conditions critical illness cover pays for, why the definitions matter and how partial payments and children's cover work.
- Critical illness vs incomeHow critical illness cover and income protection differ, what each pays for, and when holding both makes sense.
- Life vs critical illnessThe difference between life insurance and critical illness cover, and how separate and combined policies compare.
- Children's coverWhat the children's benefit inside a parent's policy pays for, who it covers, and how plans differ.
Income protection
- Deferred periodsHow to choose an income protection deferred period that fits your sick pay and savings, plus what occupation definitions mean.
- Own occupation coverWhat own occupation means on an income protection policy, how it compares with stricter definitions, and who can get it.
- How much income protectionHow insurers set the maximum income protection benefit, how different workers prove income, and how to pick an amount.
Policy jargon
- Terminal illness coverHow terminal illness cover brings your life insurance payout forward, who confirms the diagnosis, and the small print to check.
- What is underwriting?How insurers assess applications, the outcomes you might see, and how to give yourself the best chance of fair terms.
- Life insurance glossaryShort, plain-English definitions of the words you meet when buying life, critical illness and income protection cover.
- Total permanent disabilityHow TPD cover works, why its definition matters so much, and when income protection does the job better.
- Waiver of premiumAn add-on that pays your premiums while you are too ill to work, so your cover never lapses when money is tight.
Money and benefits
- Statutory sick payWho qualifies for statutory sick pay, how long it lasts, and how to plan for the gap between SSP and your usual pay.
- Benefits if you can't workAn overview of the state support available when you cannot work, and what it does and does not cover.
- Bereavement Support PaymentWho qualifies for Bereavement Support Payment, how long it lasts, and the deadline that affects how much you get.
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