Protection insurance
Life, income, and health insurance in the UK
Life is unpredictable. We help you protect your family’s financial future, even during the toughest times.
Below are the main types of insurance designed to help you maintain stability in case of illness, loss of
income, or death.
Life insurance
What it is:
Life insurance pays a lump sum to your loved ones if you pass away during the policy term.
Who it’s for:
- People with children or financially dependent relatives
- Those with a mortgage or large debts
- Couples who want to leave a financial safety net for each other
Why it’s needed:
Helps cover mortgage costs, funeral expenses, everyday bills, or provide for your family
after your death.
Need reliable insurance?
We will help you find the optimal insurance coverage tailored to your specific needs.
Critical illness cover
What it is:
The policy pays a lump sum if you are diagnosed with a serious illness (such as cancer, stroke,
heart attack, and other specified conditions).
Benefits:
- Covers treatment costs
- Helps compensate for lost income during illness
- Reduces financial stress during a difficult time.
Important:
Coverage applies only to the specific illnesses listed in your policy.
Need reliable insurance?
We will help you find the optimal insurance coverage tailored to your specific needs.
Mortgage protection
What it is:
Provides payment of your mortgage if you die (and sometimes in case of critical illness), so
your family doesn’t lose their home.
There are two types:
- Decreasing cover: payout decreases along with the outstanding mortgage balance
- Level cover: fixed amount for the entire term (good for interest-only mortgages)
Who it’s for:
Anyone with a mortgage loan.
Need reliable insurance?
We will help you find the optimal insurance coverage tailored to your specific needs.
Life & critical illness insurance
What it is:
A combined policy that covers both death and serious illnesses. A one-time payout is made upon the first qualifying event.
Benefits
- More coverage in one policy
- One payment — two types of protection
- Often more cost-effective than buying separately
Who it’s for:
Those who want to simplify insurance management.
Need reliable insurance?
We will help you find the optimal insurance coverage tailored to your specific needs.
Income protection
What it is:
Provides regular monthly payments if you’re unable to work due to illness or injury.
Features:
- Payments can last from a few months up to retirement age
- Often covers up to 60–70% of your pre-tax income
- Usually doesn’t cover job loss without medical reasons
Who it’s for:
- Freelancers, self-employed, business owners
- Employees without long-term sick pay benefits
- Those who rely on a regular monthly income
Need reliable insurance?
We will help you find the optimal insurance coverage tailored to your specific needs.
Family income benefit
What it is:
Instead of a lump sum payment, the family receives a regular monthly income until the policy
term ends (for example, until children turn 18 or 21).
Benefits:
- Steady income to cover daily expenses
- Easier budget planning
- Often cheaper than standard life insurance
Who it’s for:
Families with children or anyone wanting to provide ongoing financial support to their family
after death.