Verified Client Reviews
Arranged Last 12 Months
Experience
Reference: 989177
Finance made easy.
Start Here
Not sure what protection you need? Start with our advice tools.
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.
"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."
— Your Home Finance Protection Team