Life cover
Life insurance
Pays a lump sum or ongoing income if you die during the policy term, so your mortgage and family are looked after.
Protection
Protect what
Protect what
matters most.
A mortgage is likely the biggest commitment you'll make. The right protection makes sure your home and your family stay secure if life doesn't go to plan.
What we arrange
Cover for every eventuality.
We search a range of leading insurers to find suitable, good-value cover for your circumstances — and explain every option clearly.
Critical illness
Critical illness cover
A tax-free lump sum if you're diagnosed with a serious illness the policy covers, such as certain cancers, heart attack or stroke.
Income protection
Income protection
Replaces part of your income if illness or injury stops you working, helping you keep up with essential outgoings.
Family income benefit
Family income benefit
Instead of a lump sum, pays your family a regular, tax-free income for a set term if the worst happens.
Business protection
Business protection
Key-person and shareholder protection to keep a business stable if an owner or vital employee dies or falls seriously ill.
Home insurance
Buildings & contents
Protect the bricks and mortar and everything inside, often a condition of your mortgage offer.
Why it matters
The advice most people wish they'd had sooner.
It's easy to focus on the mortgage and forget the "what if". The numbers show why a little cover, set up properly, matters so much.
50%
of people in the UK will face cancer in their lifetime
97.9%
of individual protection claims were paid
£7.84bn
paid across individual and group protection claims in 2025
£21.5m
paid out to policyholders every single day
Sources: Cancer Research UK (lifetime cancer risk); Association of British Insurers, 2025 protection claims data (£7.84bn paid across individual and group policies; 97.9% of individual claims paid). Figures reviewed August 2026.
Common questions
Protection FAQs.
Protection calculators
Work out what you might need.
Quick, no-obligation estimates for life cover, critical illness, income protection and more. When you’re ready, we’ll turn them into tailored advice.
Protection
Life cover calculator
A guide to how much life cover could clear your debts and support your family.
£
£
£
yrs
£
£
Suggested life cover
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Debts to clear—
Income replacement—
Protection
Critical illness calculator
A guide to a critical-illness lump sum to cover debts and time off work while you recover.
£
£
£
£
yrs
£
Suggested critical illness cover
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Debts & costs—
Income replacement—
Tool 10 · Protection
Income protection calculator
Work out the monthly benefit you’d need to cover essential outgoings if you couldn’t work.
£
£
Monthly benefit needed
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Annual benefit needed—
Tool 11 · Protection
Maximum IP benefit calculator
Insurers cap income protection at a proportion of your gross salary. This estimates the likely maximum.
£
Estimated max annual benefit
—
As a monthly benefit—
Typical insurer range—
Most insurers allow around 60% of gross income (roughly 50–65%); exact limits vary.
Tool 12 · Protection
Family income benefit calculator
Instead of a lump sum, family income benefit pays a regular income to your family for a set term.
£
yrs
Monthly income to family
—
Annual benefit—
Term—
Total potential payout—
Tool 13 · Protection
Protection gap calculator
Compare what your family would need against the cover you already have, to reveal any shortfall.
£
£
£
£
Your protection gap
—
Total needs—
Cover in place—
These calculators provide illustrative estimates only. They are not an insurance quote, a recommendation or financial advice. Actual cover, premiums and benefit limits depend on a full assessment of your circumstances and the insurer’s criteria.
Let's protect what you're building.
A friendly, no-obligation protection review — we'll find cover that fits your life and your budget.