Blog & Guides
Protection insurance,
explained clearly.
Clear, jargon-free guides to UK protection insurance. No sales pitch — just the information you need to make an informed decision.
Income Protection for IT Contractors: A Complete Guide
IT contractors have no sick pay and a day rate that stops the moment they do. Here's how income protection works for limited-company contractors, why executive cover is usually tax-deductible, and how IR35 changes the picture.
Read more →Shareholder Protection Insurance: A Complete Guide
If a shareholder dies, their shares can pass to people with no interest in your business. Shareholder protection insurance funds a buyout — here's how cross-option agreements, valuation, trusts and tax work.
Read more →Income Protection for Locum Doctors and GPs: A Complete Guide
Locum doctors often work without occupational sick pay or NHS death-in-service cover. Here's how income protection works for locum GPs and hospital doctors, the NHS Pension gaps to be aware of, and how high earnings affect your cover.
Read more →Key Person Insurance: A Complete Guide for UK Businesses
If losing one person would seriously dent your profits, key person insurance protects the business. Here's how to value a key person, how claims and tax work, and where it fits.
Read more →Income Protection for Associate Dentists: A Complete Guide
Associate dentists are self-employed, with no sick pay and a livelihood that depends on their hands, eyes and back. Here's how income protection works for associates, why own-occupation cover is non-negotiable, and how NHS and private work affect it.
Read more →Relevant Life Insurance: Tax-Efficient Cover for Directors
Relevant life insurance lets a company provide death-in-service cover for a director or employee, tax-efficiently. Here's how it works, the tax advantages, and who it suits.
Read more →Business Loan Protection: A Complete Guide
If your business has loans, a commercial mortgage, or directors' personal guarantees, business loan protection repays them if a key person dies. Here's how it works and why it matters.
Read more →Income Protection for Self-Employed Tradespeople: A Complete Guide
For a self-employed tradesperson, your body is your income — and a manual job means no sick pay and higher injury risk. Here's how income protection works for the trades, the 'activities of daily living' trap to avoid, and how pricing bands really work.
Read more →Life Insurance for New Parents: A Complete Guide
Becoming a parent changes everything you need to protect. Here's how to think about life insurance for a new family — how much you need, covering a stay-at-home parent, and guardianship.
Read more →Life Insurance with Pre-Existing Conditions: A Complete Guide
A health condition doesn't mean you can't get life insurance. Here's how underwriting works for conditions like diabetes, high blood pressure and a history of cancer — and why whole-of-market advice matters most.
Read more →Income Protection for Self-Employed Barristers: A Complete Guide
Barristers earn fees with no sick pay and no employer safety net. Here's how income protection works for the self-employed Bar, the own-occupation trap, and the tax position.
Read more →Over-50s Life Insurance: A Complete Guide
Over-50s life insurance comes in two very different forms. Here's how standard term cover compares with guaranteed-acceptance over-50 plans — including the catch you must understand before buying.
Read more →Mortgage Life Insurance: A Complete Guide
Mortgage life insurance pays off your home loan if you die. Here's how decreasing and level term compare, whether to take joint or single cover, and why writing it in trust matters.
Read more →Critical Illness Cover Explained: What It Is and How It Works
A plain-English guide to critical illness cover — what it pays out for, which conditions are covered, how claims work, and the common pitfalls to avoid.
Read more →How Much Does Private Medical Insurance Cost in the UK?
A clear guide to private medical insurance costs — indicative monthly prices, the factors that drive your premium, and practical ways to keep PMI affordable.
Read more →Is Your Employer's Death in Service Cover Enough?
Death in service is a valuable benefit — but for most people, it's nowhere near enough. Here's how to calculate the gap and what to do about it.
Read more →Business Protection Insurance: A Guide for Company Directors
Most business owners protect their premises and equipment but leave their most valuable assets — themselves and their key people — completely exposed. Here's what business protection covers and why it matters.
Read more →How Much Life Insurance Do I Need? A Practical Guide
Working out the right amount of life insurance is simpler than you think. Here's a step-by-step method to calculate the cover you actually need — and avoid being over or under-insured.
Read more →Is Private Medical Insurance Worth It in the UK?
With NHS waiting lists at record highs, more people are considering private medical insurance. Here's an honest look at what it covers, what it costs, and whether it's right for you.
Read more →Critical Illness Cover vs Income Protection: Which Do You Need?
Critical illness cover and income protection both pay out if you're unable to work — but they work very differently. Here's how to decide which is right for you, or whether you need both.
Read more →The Complete Guide to Income Protection Insurance
Everything you need to know about income protection — how it works, deferred periods, own-occupation cover, what it costs, and why most people don't have enough of it.
Read more →What is Life Insurance and Do You Need It?
A plain English guide to life insurance — what it covers, the different types of policy, how premiums and payouts work, and how to get the right amount.
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