About What If Guides
Plain-English guides for life's financial what-ifs.
Plain English
Every guide answers the question first, then explains the jargon so you can follow the detail.
Sourced and dated
Facts that change, like sick pay rates, link to GOV.UK or MoneyHelper, and every guide shows when it was last reviewed.
Not selling anything
No quotes, no product picks and no provider deals. The guides explain how things work, not what to buy.
What this site is
What If Guides explains financial protection topics in plain English: income protection, sick pay, life insurance, death-in-service benefits, critical illness cover, and the money questions that come with life events such as having a baby or buying a home.
Each guide starts with a direct answer, then explains the detail, the terminology and the questions worth considering.
Who runs it
What If Guides is an independent educational website run by someone with many years of experience in technology and fintech and hands-on experience in financial protection.
The site is published under the What If Guides name rather than a personal one. There is no team behind it, and we won't pretend otherwise.
What it isn't
What If Guides is an independent educational website. It provides general information only and does not provide personalised financial advice or recommendations. Information on this website should not be treated as advice suitable for your individual circumstances.
What If Guides is not an insurer, broker, comparison site or advice firm. It doesn't recommend products or providers, give quotes or arrange cover.
How guides are written
Guides use UK terminology and link to primary sources such as GOV.UK and MoneyHelper where facts can change. Each shows when it was published or last reviewed.
Drafting tools may be used, but every guide is reviewed and fact-checked by a person before it is published. Examples are hypothetical and never based on real people.