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Insurance Guides & Advice
Plain-English guides to help you understand life insurance, critical illness cover and income protection, so you can make the right choice for your family.
Life Insurance
20 guidesDeath in Service Benefit UK: What You Need to Know
What is death in service benefit and is it enough? Learn how employer life cover works, typical payouts (2-4x salary), and why you may st...
Life InsuranceDecreasing Term Life Insurance UK: Mortgage Cover Guide
What is decreasing term life insurance? The cheapest way to protect a repayment mortgage. Learn how it works, costs, and when to choose i...
Life InsuranceHow Much Life Insurance Do I Need?
How much life insurance do you need in the UK? Use the 10x salary rule or DIME method. Average mortgage £152,365, child costs £170,000+. ...
Life InsuranceJoint Life Insurance UK: Is It Worth It for Couples?
Joint life insurance UK for couples, is it worth it? Save 10-25% vs two policies, but only one payout. Compare joint vs single cover opti...
Life InsuranceLevel Term Life Insurance UK: How It Works
Level term life insurance pays a fixed lump sum if you die within the policy term. Learn how it works, typical UK costs, and when to choo...
Life InsuranceLife Insurance Cost: Average Prices Per Month
How much does life insurance cost in the UK in 2026? Average £20.82/month for £150k cover. Non-smokers from £8/month. Compare prices by a...
Life InsuranceLife Insurance for Mortgages UK: Do You Need It?
Do you need life insurance for a mortgage in the UK? 36% of mortgage holders are unprotected. Compare decreasing vs level term cover from...
Life InsuranceOver 50s Life Insurance UK: Best Plans & Providers 2026
Over 50s life insurance UK with guaranteed acceptance and no medical questions. Fixed premiums from £5/month. Compare Aviva, L&G, Roy...
Life InsuranceLife Insurance Payouts & Claims UK: How It Works 2026
How do life insurance payouts work in the UK? £5.32bn paid in 2024 with 97%+ claims accepted. Learn the claims process and how to get pai...
Life InsuranceTerm vs Whole of Life Insurance UK: Which Is Better?
Term vs whole of life insurance UK, which is right for you? Term from £8/month, whole of life from £102/month. Compare costs, pros and cons.
Life InsuranceWhole of Life Insurance UK: Complete Guide 2026
What is whole of life insurance and is it worth it? Learn how it works, costs from £30/month, and when it makes sense vs term cover...
Critical Illness Cover
11 guidesChildren's Critical Illness Cover
Children's critical illness cover UK, often included free. Aviva paid £7.6m across 361 families in 2024. Average payout £21,321. Learn wh...
Critical IllnessConditions Covered by Critical Illness Insurance
What conditions are covered by critical illness insurance in the UK? From 35 to 174 conditions covered. Compare Aviva, Vitality, L&G ...
Critical IllnessCritical Illness Cover Cost: Average Prices
How much does critical illness cover cost in the UK? Over 50% of Aviva customers pay £20/month or less. Compare CIC prices and get quotes.
Critical IllnessCritical Illness Cover for Mortgages
Do you need critical illness cover for your mortgage? Not required but pays off your home if diagnosed with cancer or stroke. 97.9% of cl...
Critical IllnessCritical Illness Cover vs Life Insurance: Key Differences
Critical illness cover vs life insurance, what's the difference? One pays on death, the other on diagnosis. Learn which you need or if yo...
Critical IllnessFamily Critical Illness Cover UK: Protect Your Family 2026
Family critical illness cover UK, protect your whole family. Children's cover often included free. Aviva paid £7.6m in children's claims ...
Income Protection
14 guidesExecutive Income Protection
Executive income protection for company directors and high earners. Tax-efficient cover paid through your company. Learn how it works and...
Income ProtectionIncome Protection Cost: Average Premiums
How much does income protection cost UK? Average £17.52/month for £1,500 cover at age 30. From £5/month. Compare prices by age and occupa...
Income ProtectionIncome Protection for Mortgages
Income protection for your mortgage, pays your monthly mortgage if illness or injury stops you working. SSP is only £120/week. Get covered.
Income ProtectionIncome Protection With Pre-Existing Conditions
Can you get income protection with pre-existing conditions? Yes, cover available for back problems, mental health, diabetes and more. Com...
Income ProtectionIncome Protection for Self-Employed
Income protection for self-employed UK, no Statutory Sick Pay means you need cover. 4.3 million self-employed at risk. Cover up to 65% of...
Income ProtectionIncome Protection vs Critical Illness Cover: Key Differences
Income protection vs critical illness cover, what's the difference? IP pays monthly for any illness, CIC pays a lump sum for specific con...
Income ProtectionIncome Protection Waiting Periods Explained:
Income protection waiting periods explained, choose 4 to 52 weeks. Extending to 13 weeks saves 30%+ on premiums. Match to your employer's...
Income ProtectionIs Income Protection Worth It?
Is income protection worth it in 2026? 1 in 5 workers face 2+ months off sick. SSP is £120/week for 28 weeks. See why fewer than 10% are ...
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