The protection gap: why so many UK families are underinsured
The UK protection gap explained: how 58% of adults hold no protection product, why so many families are underinsured, why the gap exists, and how to close your own.
Do you need life insurance if you're single or have no children?
Do single or childless people need life insurance? When you probably don't, when you might (joint debts, guarantors, supporting family), and why protecting your income may matter more.
Life insurance and your mortgage: do you need it?
Life insurance and your mortgage explained: whether you need it, the right type of cover, matching it to your mortgage, and how it differs from payment protection.
Level term vs decreasing term life insurance
Level term versus decreasing term life insurance: how each works, the cost difference, and how to match the right type to your mortgage and family needs.
Family income benefit: a regular payout instead of a lump sum
Family income benefit explained: term life insurance that pays a regular income instead of a lump sum, why it can be cheaper, how it compares to lump sum cover, and who it suits.
Putting life insurance in trust (and why it matters for tax)
Putting life insurance in trust explained: keeping the payout outside your estate for inheritance tax, speeding up payment, choosing trustees, and types of trust.
Critical illness cover: what it is and whether it's worth it
Critical illness cover explained: what it pays out for, how it differs from life insurance, combined versus standalone, how common claims are, and whether it is worth it.
How much life insurance cover do you actually need?
How to work out how much life insurance you need: covering your mortgage and debts, replacing income, future costs, and what to subtract for existing cover.
Term vs whole of life insurance: which is right for you?
Term versus whole of life insurance explained: how each works, the cost difference, when to choose each, and whether you can have both.
Life insurance explained: how it works and who really needs it
Life insurance in plain English: how it works, who needs it, term versus whole of life, what affects the cost, and why honest applications matter for claims.
How life insurance pays out: making a claim
How life insurance pays out: who can claim, what the insurer needs, the role of probate and trusts, how long it takes, tax, terminal illness benefit and avoiding delays.
Life insurance with pre-existing medical conditions
Life insurance with a pre-existing condition: why most people can still get cover, how underwriting works, the importance of disclosure, and what to do if cover is costly.