Personal Protection
Cover What Truly Matters
Because Your Health, Income, and Legacy Deserve More Than Hope
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It’s easy to delay thinking about life insurance, critical illness cover, or income protection—until life forces you to.
But the truth is, protecting yourself and your loved ones financially is one of the most important decisions you can make. Whether you're single, raising a family, or planning for later life, personal protection policies ensure that illness, injury, or worse doesn’t derail everything you’ve built.
Speak to an expertWhat Is Personal Protection—and Why Is It Essential?
Personal protection covers you and your family against the financial fallout of life’s unexpected turns.
Life Insurance – Pays a lump sum to your beneficiaries if you pass away during the policy term. Essential for protecting your family’s future lifestyle, mortgage, or debts.
Whole of Life Cover – A guaranteed payout whenever you die, often used for estate planning, Inheritance Tax offsetting or funeral costs. Peace of mind, for life.
Critical Illness Cover – Pays a tax-free lump sum if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. It can help cover treatment costs, lost income, or lifestyle changes.
Income Protection – Replaces a portion of your income if you’re unable to work due to long-term illness or injury. Monthly peace of mind.
Private Healthcare Plans – Skip NHS wait times and access fast, high-quality treatment for you and your family.
This is about more than ticking a box—it's about making sure illness or loss doesn’t also become financial devastation.
Please note: Tax treatment depends on individual circumstances and may be subject to change
Objections You Might Have (And Why They’re Worth Reconsidering)
“It’s Too Expensive”
Reality: Cover often costs less than you expect. A young, healthy adult can get meaningful protection for less than the price of a takeaway or a streaming subscription each month. Plus, the earlier you buy, the cheaper it typically is.
“I’m Young, Healthy, and Single”
Response: That’s exactly why now is the best time to get covered. Premiums are lowest when you're young and well, and health can change suddenly. Even if you don’t have dependents today, life cover can help pay off debts, funeral costs, or leave a legacy.
“I Get Benefits Through Work”
Clarification: Employer cover often ends when you leave the job and rarely covers more than 1–4x your salary. It likely doesn’t include full income protection or critical illness cover. Personal policies are tailored to your life, not just your role.
“I’m worried they won’t pay out.”
Response: Over 98% of life insurance claims in the UK are paid out. As long as you answer questions honestly and work with a regulated adviser, the risk of a declined claim is very low.
“If I die, it’s not my problem anymore.”
Clarification: That may be true legally, but emotionally and financially, it absolutely becomes your loved ones' burden. Protection is a way of taking care of them when you no longer can.
“I have a will, so I don’t need insurance.”
Response: A will dictates who gets your estate, but it doesn’t guarantee how much they'll receive or when. Insurance provides immediate, tax-free cash, which can help pay debts, cover costs, and preserve your estate.
“I’ll look at this once I’ve bought a house/had kids/got promoted.”
Reality: The longer you wait, the higher the cost, and health changes could make it harder or impossible to get cover. Acting early gives you flexibility, lower premiums, and peace of mind.
“Can’t I just invest instead of paying for insurance?”
Clarification: Investing is great, but it takes time to build wealth. Insurance protects your finances instantly from day one. It’s not either/or—it’s both.
“I Took Out Cover Years Ago”
Reality: That’s a great start—but your life may have changed. New family, mortgage, or health circumstances? Your existing cover may not be enough, or it may be outdated. A review could ensure it still meets your needs.
“What About My Mortgage?”
Response: Life cover and critical illness cover can be structured to ensure your mortgage is cleared if you pass away or become seriously ill, so your loved ones won’t have to sell or struggle.
“Trusts, Payouts, Probate—It’s Complicated”
Clarification: It doesn’t have to be. With the right advisor, setting up your cover in trust can ensure payouts go directly to your chosen beneficiaries, quickly and free from inheritance tax. No red tape, no confusion.
Speak to an expertPersonal Protection Isn’t About Death...
It’s about LIFE.
It’s about keeping your home, your family’s lifestyle, and your financial goals secure—no matter what happens. You insure your car and your phone. Isn’t your health and income worth even more?
Whether you're protecting your first flat or securing a legacy for your children, personal protection gives you peace of mind and a solid foundation for the future.
Ready to Feel Financially Secure?
Let’s talk—no jargon, no pressure. Just friendly, honest advice about how to protect what matters most.
Speak to an expert