Where would the pressure land if life changed?
Review what you already have first — then decide if anything needs to change. The Protection Gap Review helps you see where financial pressure could build before any product conversation starts.
Choose what you want reviewed
Start with the financial pressure most on your mind. Each review opens with that area selected — you can include the wider household picture if you want.
How the Protection Gap Review works
A short, adviser-led review of financial exposure — not a quote engine or comparison site.
Choose what to review
Start with the financial pressure that brought you here — serious illness, income stopping, or family dependency. You can widen the review if you want the full household picture.
Share your household context
A few questions about employment, dependants, mortgage commitments and how your household relies on income — so the review reflects your real position.
See where pressure could land
Understand where financial pressure could build if life changed — without being pushed into products before the exposure is clear.
Jay reviews personally
Your answers are reviewed alongside information already held on file. If existing cover is appropriate, that is part of the answer — changing cover is not assumed.
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Content reviewed: January 2026
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Access to a wide range of leading UK insurers
Where new protection may be appropriate, Jay can compare suitable options from leading insurers. Existing policies are reviewed first, and changing cover is not automatically assumed.
More protection tools and guides
Deeper guides by cover type and situation — for when you want detail beyond the review.
Core protection types
The main types of cover explained. Income protection is often the most overlooked but most important.
Income Protection
Replaces your income if you can't work. Often the most important cover.
200+ guidesLife Insurance
Pays out if you die, protecting your mortgage and family.
990 guidesCritical Illness Cover
Tax-free lump sum if diagnosed with a serious condition.
80+ guidesFamily Protection
Complete cover for parents and dependants.
Protection by situation
Your circumstances determine what cover matters most.
Why this matters
Loss of income is more likely than death during working life
Most people buy life insurance first, but you're far more likely to be off work long-term due to illness than to die during your working years. Income protection covers that gap.
Many people buy the wrong protection first
Without advice, people often over-insure low-risk areas and leave major gaps. Priority order matters.
Applying cover in the wrong order causes gaps
If you have critical illness but no income protection, you're covered for cancer but not a back injury that stops you working for a year. That's a common gap we see.
Adviser insight
“We regularly see clients with life cover but no income protection — that's usually the bigger risk. Getting the priority order right makes all the difference.”
— Jay Sabine, Your Home Finance
Protection questions answered
What protection insurance do I actually need?
Most working adults need income protection first — it replaces salary if you cannot work. Life insurance matters if others depend on your income. Critical illness cover pays a lump sum for serious diagnoses.
Is life insurance compulsory with a mortgage?
No UK lender requires life insurance, though many advisers recommend cover so your family can pay the mortgage if you die.
How is Your Home Finance different from comparison sites?
We give advice-first guidance — helping you decide what cover you need before comparing policies, with FCA-regulated advisers.