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.
Executive Income Protection for Directors
How company-paid income protection works for limited company directors: the corporation tax relief, the PAYE catch, and what it can insure beyond salary.
Read more →Income Protection for IT Contractors: A Complete Guide
IT contractors have no sick pay and a day rate that stops when they do. How income protection works, and why executive cover is tax-efficient.
Read more →Shareholder Protection Insurance: A Complete Guide
If a shareholder dies their shares can pass to people with no interest in your business. How shareholder protection funds a buyout.
Read more →Income Protection for Locum Doctors and GPs
Locum doctors often work without occupational sick pay or death-in-service cover. How income protection works, and the NHS Pension gaps to know.
Read more →Key Person Insurance: A Complete Guide for UK Businesses
If losing one person would dent your profits, key person insurance protects the business. How to value a key person, and how claims and tax work.
Read more →Income Protection for Associate Dentists: A Complete Guide
Associate dentists are self-employed with no sick pay. How income protection works for associates, and why own-occupation cover is essential.
Read more →Relevant Life Insurance: Tax-Efficient Cover for Directors
Relevant life insurance lets a company provide tax-efficient death-in-service cover for a director or employee. How it works 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.
Read more →Income Protection for Self-Employed Tradespeople
A manual job means no sick pay and higher injury risk. How income protection works for the trades, and the 'daily living' trap to avoid.
Read more →Life Insurance for New Parents: A Complete Guide
Becoming a parent changes what you need to protect. How much life insurance a new family needs, covering a stay-at-home parent, and guardianship.
Read more →Life Insurance with Pre-Existing Conditions
A health condition does not mean you cannot get life insurance. How underwriting works for diabetes, blood pressure and a history of cancer.
Read more →Income Protection for Self-Employed Barristers
Barristers earn fees with no sick pay and no employer safety net. How income protection works for the Bar, and the own-occupation trap.
Read more →Over-50s Life Insurance: A Complete Guide
Over-50s life insurance comes in two very different forms. How standard cover compares with guaranteed acceptance, and the catch to understand.
Read more →Mortgage Life Insurance: A Complete Guide
Mortgage life insurance pays off your home loan if you die. Decreasing vs level term, joint or single cover, and why a trust matters.
Read more →Critical Illness Cover Explained: How It Really 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 owners insure their premises but leave their key people exposed. What business protection covers, and why it matters for directors.
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. A step-by-step method to calculate the cover you actually need.
Read more →Is Private Medical Insurance Worth It in the UK?
With NHS waiting lists at record highs, is private medical insurance worth it? An honest look at what it covers and what it costs.
Read more →Critical Illness Cover vs Income Protection
Critical illness cover and income protection both pay out if you cannot work, but they work very differently. How to decide which you need.
Read more →The Complete Guide to Income Protection Insurance
How income protection works: deferred periods, own-occupation cover, what it costs, and why most people do not 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.
Read more →