Guides
UK insurance guides, written plainly
Straight answers on cost, cover and trade-offs — so you know what you are buying before you speak to anyone.
How much life insurance do I need?
A free calculator that sizes your cover from mortgage, income, children and savings — and sends the figure straight to an adviser.
Read the guideLife insuranceDecreasing vs level term life insurance
Which type matches your mortgage, what the extra certainty costs, and why many households buy both.
Read the guideOver 50sLife insurance over 50 in the UK
Term cover vs over-50s plans, typical costs, health questions and how to avoid paying in more than the payout.
Read the guidePrivate medicalIs private health insurance worth it?
What you actually get for the premium, how it works alongside the NHS, and who benefits most from cover.
Read the guideProtectionIncome protection vs critical illness cover
A side-by-side comparison of monthly benefit vs lump sum, what each pays out for, and when to hold both.
Read the guideSelf-employedIncome protection for the self-employed
No sick pay, no safety net. How cover works for sole traders, contractors and company directors.
Read the guideIncome protectionIs income protection insurance worth it?
The cost-versus-benefit case against employer sick pay, Statutory Sick Pay and savings.
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