Cover that fits where you are in life
New baby, first home, going self-employed, getting married or starting again after a divorce. Each one changes what you need covered. Find yours.
Family
- Cover for parentsHow to size life cover around your children, pick a term that matches their growing up, and make sure the money reaches them.
- Cover for couplesJoint or separate policies, married or living together: how to protect each other and what to ask before you choose.
- Stay-at-home parentsLife cover for the parent at home, sized to pay for the childcare and support the family would need to replace.
- Single parentsCover built around being the one your children rely on, with trustees and guardians you choose.
- Cover when pregnantWhat insurers ask during pregnancy, how complications are treated and why applying before the baby arrives makes life easier.
- Cohabiting couplesWhy unmarried partners need to plan more deliberately, and how life cover in trust and a will protect the person you live with.
- Blended familiesProviding fairly for a partner, your children and stepchildren, and using trusts so the money lands where you intend.
- Unpaid carersPaying for replacement care if you could not provide it, protecting benefits with a trust and remembering your own health.
- Parents of disabled childrenCover that reflects a lifetime of support, the trusts that protect a disabled child's benefits and planning who cares next.
- Guardians and kinship carersProviding for a child you are raising who is not your own, and setting up the trust and will that make it work.
- Foster carersWhat life cover should protect when you foster, and how insurers look at fostering income for income protection.
- Critical illness for parentsHow a lump sum on diagnosis helps a family through treatment, and the children's cover that comes with many policies.
- Second marriagesUpdating wills and old policies after remarrying, and providing fairly for a new spouse and children from before.
Home and money
- First-time buyersCover sized to your first mortgage, started on completion day, so the people you share the home with can stay in it.
- Cover for rentersCover for people who rent, sized to keep the rent and bills paid for the people who rely on you.
- RemortgagingHow to check your cover against a new mortgage deal, when a top-up beats a replacement and what extra borrowing means for your family.
- LandlordsClearing buy-to-let debt, keeping rental homes in the family and planning for the tax a property portfolio can bring.
- Renters' income coverKeeping your tenancy safe if you cannot work, and sizing a policy around rent, bills and how long your savings would last.
- Inheritance tax planningHow whole of life cover in trust helps your family meet an inheritance tax bill, and protecting gifts in the seven years after.
- Funeral costsSmall policies that pay for a funeral, how they differ from prepaid funeral plans and how to get the money to your family fast.
- If you have debtsWhich debts your family could be left with, which are written off, and how to size cover for the debts that matter.
Work
- Self-employed incomeA monthly income if you are too ill or injured to work for yourself, with no employer or sick pay to fall back on.
- Contractor incomeIncome cover for limited company and umbrella contractors whose pay stops the day the contract does.
- If you have sick payWhy sick pay runs out sooner than people think, and how to line up an income protection policy to start when it stops.
- Part-time workersHow insurers treat part-time hours, which definitions of incapacity apply and what to watch if your hours go up or down.
- Starting a businessReplacing the workplace benefits you give up, protecting personal guarantees and timing cover around a new business.
- Gig workersProtecting irregular earnings with no sick pay, the evidence insurers ask for and how to choose a policy that fits.
Life stages
- After getting marriedA checklist for newlyweds: new cover, existing policies, trusts and the will that marriage may have cancelled.
- After divorceWhat to do with joint cover, trusts and wills after a split, and how to protect maintenance and your children.
- In your 20sWhen cover makes sense in your twenties, why your salary is the thing to protect and how starting young affects price.
- In your 30sSizing cover for a mortgage and young children at the same time, and choosing a term long enough for both.
- In your 40sMatching cover to a bigger home and school-age children, and what changes about underwriting as you reach your forties.
- In your 50sShorter terms, children leaving home and the move from protecting a mortgage towards protecting what you leave behind.
- In your 60sWhy people in their sixties still buy cover, what changes in underwriting and which type of policy suits each need.
- Single peopleWhen life cover is worth it for a single person, and why protecting your own income often comes first.
Ten minutes on the phone. Sorted for years.
Tell us what you want to protect and we'll compare UK insurers, explain the options plainly and handle the forms. Monday to Friday, 9am to 6pm.
Tomorrow-you will be glad you did.