Protection guides
What happens to your money if illness or injury stops you working, or if the worst happens? These guides explain income protection, sick pay, life insurance and critical illness cover in plain English, starting with the basics.
They explain how cover works, where policies differ and the questions worth asking. They don't recommend products or providers.
01
Start here
The main types of cover and how they differ.
- What if I couldn't work?Income protection explainedRead the guide
- What if my family lost my income?Life insurance explainedRead the guide
- What if I became seriously ill?Critical illness cover explainedRead the guide
- What if I don't know which cover I need?Life insurance and critical illness cover comparedRead the guide
02
What work already gives you
Sick pay, death-in-service and how cover fits around them.
- What if my sick pay ran out?Income protection and sick pay explainedRead the guide
- What happens to death-in-service cover if I leave my job?Death in service and life insurance comparedRead the guide
- What if I had to wait before it paid?Income protection deferred periodsRead the guide
- What do I lose if I go contracting?Employee and contractor safety nets comparedRead the guide
03
Self-employed, contracting, IT or running a company
When there's no employer sick pay behind you.
- What if I'm self-employed and can't work?No sick pay, no SSP, and how cover fills the gapRead the guide
- What if illness stopped me working in tech?Income protection for IT professionalsRead the guide
- What if I couldn't work as a contractor?Income protection for IT contractorsRead the guide
- What if I'm paid through my own limited company?Income protection for limited company directorsRead the guide
04
Getting life cover right
Who the money goes to, and paying an income instead of a lump sum.
05
Does it actually pay out?
Claims, exclusions and common doubts.
06
Homeowners and life changes
Cover around a mortgage, and reviewing it when things change.
07
Accident and hospital cover
Smaller fixed-payment cover and add-ons.
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