Essential Information - Useful Guides
UK Protection Insurance Guides
Making sense of protection insurance in the UK doesn’t have to be complicated. Whether you’re considering life insurance, critical illness cover or income protection, these guides are designed to explain your options clearly.
Each guide helps you understand how protection insurance works, when you might need cover, and what to consider before making a decision.
Our protection insurance guides include a detailed life insurance guide and information on life insurance trusts to help protect your family financially.
Protection insurance in the UK covers a range of policies designed to protect you and your family financially. This includes life insurance, critical illness cover and income protection, each offering different types of financial support depending on your circumstances and needs.
Personal Protection Insurance Guides
Protection insurance is designed to help you protect your family, your income and your financial future - if you have the right protection cover in place.
If you’re unsure where to start, take a look at our protection insurance guides for UK customers, our life insurance guide explains the key options available, while our guide to life insurance trusts shows how to ensure your policy pays out to the right people at the right time.
- Life Insurance and Trusts Guide
Discover how placing life insurance in trust can help protect your family, avoid delays with probate, and potentially reduce inheritance tax. - Life Insurance Guide
A clear, practical life insurance guide covering how life cover works, the different types of policy available, and how to ensure your family receives financial support when it’s needed most.Read our Life Insurance Guide
Business Protection Guides (available soon)
We’re currently developing a range of business protection guides covering key areas such as shareholder protection, key person insurance and relevant life plans.
These guides will explain how different types of protection insurance can help safeguard your business, your shareholders and your employees.
In the meantime, if you’d like to discuss business protection for your company, please get in touch.
Frequently Asked Questions
What is protection insurance?
Protection insurance is designed to provide financial support if something unexpected happens, such as death, serious illness, or loss of income. Common types include life insurance, critical illness cover and income protection.
Do I need life insurance?
Life insurance may be worth considering if you have dependants, a mortgage, or financial commitments that would need to be covered if you were no longer here. A life insurance policy can help provide financial security for your family.
What is a life insurance trust?
A life insurance trust allows your policy to be placed outside of your estate. This can help ensure the payout goes directly to your chosen beneficiaries, avoid probate delays, and may reduce inheritance tax.
What are the main types of protection insurance in the UK?
The main types of protection insurance in the UK include life insurance, critical illness cover, income protection and business protection. Each type of protection insurance is designed to protect against different financial risks and provide support in different situations.
When should I review my protection insurance?
It’s a good idea to review your protection insurance when your circumstances change, such as buying a home, starting a family, changing jobs, or taking on new financial commitments.
How does a life insurance policy pay out?
A life insurance policy typically pays out a lump sum to your chosen beneficiaries if you pass away during the policy term. This payout can be used to cover mortgages, living costs or other financial commitments, helping to protect your family financially.
If you’re considering protection insurance, it’s important to seek advice - if you have any questions or if you’d like to discuss your options, please don’t hesitate to contact us.
How to Use These Guides
These guides are for general information only and are not a substitute for professional financial advice.
If you’re considering protection insurance, it’s important to seek advice tailored to your individual circumstances. If you’d like to discuss your options, please don’t hesitate to contact us.
Page updated April 2026