We label their jumpers so they don't get lost. We pack spare pants for the just-in-case. We think of everything. Nearly everything. 👀 If something happened to you, would there be money for the mortgage, the bills and everything that keeps their world normal? That's what life insurance is for, and sorting it is a lot quicker than finding a matching pair of school socks. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #ParentLife #BackToSchool #LifeInsurance

Be honest. How long has "sort the life insurance" been on the list? 😅 It's one of those jobs that never feels urgent, until it is. The good news: it's not the faff you think. We do the legwork, compare the market and explain it all in plain English. This could be the week "next week" finally arrives. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Procrastination #ParentLife #LifeInsurance

We get asked all of these. Quick answers: 👉 Only 30? It's usually cheaper the younger and healthier you are. 👉 Rent? Your family still needs the rent and bills paid. 👉 Cover through work? It usually stops when you leave that job, and may not be enough. 👉 Partner works? Could they cover everything on one wage? If anyone depends on you, it's worth a conversation. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #MoneyQuestions #Parents

To them, you can fix anything. Broken toys, bad dreams, the end of the world (also known as the wrong colour cup). But every hero needs a back-up plan. Life insurance means that if you weren't here, there'd be money to keep their world turning: the house, the bills, the clubs, the future. Cape optional. Plan essential. 💜 Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #ParentLife #Superhero #LifeInsurance

We'll happily insure a phone we'll upgrade in two years. 📱 But the people who rely on us every single day? That's the one that often gets missed. Life insurance and income protection are there for the things that would really hurt: losing a parent, or losing an income. Let's tick off the one that matters most. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Priorities #ParentLife #LifeInsurance

Lying awake while everyone else is asleep. The mind wanders. "What would they do if I wasn't here?" 💭 You can't stop the worry completely. But you can make sure the money side is sorted, so the answer to that 2am question is: they'd be OK. We'll talk you through it in plain English. No jargon, no pressure. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #ParentLife #PeaceOfMind #LifeInsurance

You've built the cot, washed the tiny vests and argued about names for six months. 👶 One more thing for the list: making sure your little one would be looked after if something happened to you. It's often more affordable than new parents expect, especially while you're young and healthy. Congratulations! Get in touch when you've had some sleep. (So, 2042.) 😴 Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #NewParents #NewBaby #LifeInsurance

Self-employed? When you're off sick, there's no employer sick pay coming. 🦗 No work, no money. But the mortgage, the van, the food shop and the kids' clubs don't stop. Income protection can pay you a monthly income if illness or injury stops you working, so you can focus on getting better. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #SelfEmployed #Tradie #IncomeProtection

It's the conversation most couples avoid. 😬 But 10 minutes now can mean your home is protected if the worst ever happens. Life cover can be set up to match your mortgage, so whoever's left could keep the house. Have the chat. Then let us do the rest. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Couples #MortgageProtection #LifeInsurance

No payslip doesn't mean no value. 👑 If the parent at home wasn't here, someone would need to cover the childcare, the school runs and the hundred other jobs. That costs money, and could mean the other parent cutting their hours. Life cover for the stay-at-home parent is one of the most overlooked bits of protection. Don't overlook yours. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #StayAtHomeParent #MumLife #DadLife

Swapped the fags for a vape? Good on you. 👏 But most insurers still class vaping, patches and nicotine gum as smoking, so you'll usually pay smoker prices. Be nicotine-free for 12 months and you're usually treated as a non-smoker. Just always be honest when you apply. It matters if you ever need to claim. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Vaping #QuitSmoking #LifeInsurance

"They never pay out." We hear it a lot. It's not true: insurers pay the vast majority of claims. ✅ When a claim is turned down, one of the most common reasons is that something wasn't mentioned on the application. So answer every health and lifestyle question fully and honestly, even the bits that feel minor. We'll make sure you know what's being asked and why. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #Claims #MythBusting

A diagnosis turns life upside down. The last thing anyone needs is to be worrying about the bills at the same time. 💜 Critical illness cover can pay a tax-free lump sum if you're diagnosed with an illness covered by your policy. Use it however you need: time off work, the mortgage, treatment travel, or just breathing space. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #CriticalIllness #FamilyFirst #Protection Pay-outs depend on the illness meeting the policy definition, and some less serious conditions may only pay part of the amount.

We triple-check the car seat straps. We Google every rash at midnight. We'd do anything to keep them safe. 🚗 Protecting them financially is part of that too. If something happened to you, life insurance can make sure there's money for the home, the bills and their future. Check it once. Then get back to the 47 snacks they've asked for. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #ParentLife #KeepThemSafe #LifeInsurance

Most of us buy our homes based on two wages. 🏡 But what if one of you couldn't work for months because of illness or injury? Could the other cover everything alone, while looking after you? Income protection and critical illness cover are there to fill the gap, so one setback doesn't turn into a money crisis. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Couples #IncomeProtection #FirstHome Critical illness pay-outs depend on the illness meeting the policy definition, and some less serious conditions may only pay part of the amount.

The elf's out, the list is long and the batteries are never where you left them. 🎄 This time of year is all about family. It's also a good time to make sure the people you love would be looked after if anything ever happened to you. Not the most festive thought, we know. But sorting it means you can enjoy the season knowing they're protected. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Christmas #ParentLife #LifeInsurance

When did you last check your cover still fits your life? Most people set up their cover once and never look at it again. But a new job, moving home, a new baby or a change in income can all leave gaps you didn't know were there. A quick review can either reassure you everything's on track, or show you the small changes that make a big difference. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #ProtectionReview #FamilyFinance

We insure our homes, our cars, even our phones. But very few of us protect the one thing that pays for all of it: our income. If illness or injury stopped you working tomorrow, how long could you keep paying the bills? Income protection can pay you a regular monthly income while you're off work and recovering, so the mortgage, rent and bills still get paid. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #IncomeProtection #FinancialSecurity #FamilyFinance

Company director? You might be paying for life cover out of your own pocket when your business could pay for it instead. Relevant life cover is life insurance paid for by your limited company, for directors and employees. It can be a more tax-efficient way to protect your family. Already have personal cover? It's worth checking whether this would suit you better. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #RelevantLifeCover #CompanyDirector #BusinessOwner Tax treatment depends on individual circumstances and may change in future.

Struggling to get a GP appointment? Many life insurance plans now include 24/7 virtual GP access at no extra cost. Speak to a doctor by phone or video, often the same day, without the long wait. It's a benefit plenty of people already have and don't even know about. Want to know what extras come with your cover? Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #VirtualGP #FamilyHealth Added benefits vary by insurer and can be changed or withdrawn by the insurer.

If the worst happened, would your family still be able to live the life you planned for them? Family income benefit pays your family a regular, tax-free monthly income instead of one big lump sum. It helps cover the everyday things: the home, the bills, the clubs and activities. It's often one of the most affordable ways to protect a young family. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #FamilyIncomeBenefit #LifeInsurance #Parents

Writing a will and naming guardians is one of the best things you can do for your children. But have you thought about how those guardians would afford it? Food, clothes, school, childcare, bills, and a bigger home if they need one. Family income benefit can pay a regular monthly income to help them raise your children the way you would have wanted. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Wills #Guardians #FamilyIncomeBenefit #Parents

Your home is your family's safe space. If the worst happened, would they be able to keep it? Life cover can be set up to match your mortgage, so the loan can be paid off and your family can stay put. You can choose cover that reduces as your mortgage goes down, and add critical illness cover for extra security. It's often cheaper than people think, especially the younger you are. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #MortgageProtection #LifeInsurance #Homeowners

The best time to get cover is before you need it. Leave it too late and you could face higher premiums, fewer options, or find it harder to get cover at all, as age and health changes catch up with you. If it's on your to-do list, now's the time. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #Protection #DontWait

A lot of people think that because their life insurance includes terminal illness cover, they're covered if they get seriously ill. They're not. Terminal illness cover usually pays out when a doctor confirms you're expected to die within a set time, often 12 months. Critical illness cover pays a lump sum if you're diagnosed with a serious illness listed in the policy, such as some cancers, heart attacks or strokes, even if you go on to recover. Three questions to ask yourself: 1. If I couldn't work for a year, how would I pay the bills? 2. Does my policy include critical illness cover, or only terminal illness? 3. Do I actually know what I'm covered for? Not sure? We can check for you. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #CriticalIllness #LifeInsurance #KnowYourCover Pay-outs depend on the illness meeting the policy definition, and some less serious conditions may only pay part of the amount.

A serious illness doesn't just affect your health. It can hit your income, your savings and your family's finances too. Critical illness cover can pay a tax-free lump sum if you're diagnosed with an illness covered by your policy. You can use it however you need: the mortgage, the bills, time off work, or adapting your home. So you can focus on getting better, not on money. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #CriticalIllnessCover #Protection #FamilyFinance Pay-outs depend on the illness meeting the policy definition, and some less serious conditions may only pay part of the amount.

Self-employed? A couple of weeks off in the sun sounds great. But what if illness or injury meant months off instead? Most self-employed people get no sick pay. The work stops, the income stops, but the bills keep coming. Income protection can pay you a regular monthly income while you recover. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #SelfEmployed #IncomeProtection #Tradespeople

Not sure which cover does what? Here's the simple version. Life cover: if you die, it pays a lump sum to support your family, pay off debts or cover living costs. Critical illness cover: if you're diagnosed with a serious illness covered by the policy, it pays a lump sum to help while you recover. Income protection: if you can't work because of illness or injury, it pays a monthly income to keep the bills paid. Each one solves a different problem, and for many families they work best together. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #CriticalIllness #IncomeProtection Critical illness pay-outs depend on the illness meeting the policy definition, and some less serious conditions may only pay part of the amount.

No parent wants to imagine hearing the words "your child is seriously ill". In that moment, money should be the last thing on your mind. Many critical illness plans include cover for your children, paying a lump sum if your child is diagnosed with an illness covered by the policy. It can help you take time off work to be with them, cover travel and hospital costs, and keep the household bills paid. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Parents #CriticalIllness #ChildrensCover Children's cover, pay-out amounts and the illnesses covered vary by insurer, and pay-outs depend on the illness meeting the policy definition.

Does your business rely on one or two key people? If you lost them, the impact could be huge: lost sales, delayed projects, nervous lenders, and the cost of finding and training a replacement. Key person cover pays the business a lump sum to help keep things running while you get back on your feet. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #BusinessProtection #KeyPerson #SmallBusiness

It's a horrible thing to think about, so most of us don't. But if you weren't here tomorrow, would your family be able to keep the house? Pay the bills? Keep the kids' lives as normal as possible? Life insurance pays out a sum of money so the people you love aren't left dealing with money worries on top of everything else. Ten minutes of thinking about it now could save them years of struggle later. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #Parents #FamilyFirst

Car seat, check. Cot, check. Enough nappies for a small army, check. Life insurance? That's the one that often gets missed. When there's a little one depending on you, it's worth making sure they'd be looked after financially if something happened to you. It's usually more affordable than people expect, especially when you're young and healthy. Congratulations, by the way. Get in touch when you've had a bit of sleep. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #NewParents #NewBaby #LifeInsurance

If you're the parent at home, you might think you don't need life insurance because you don't bring in a wage. But think about everything you do. The school runs, the childcare, the cooking, the washing, the hundred other jobs nobody sees. If you weren't here, someone would have to cover all of that, and it costs money. Childcare alone could mean your partner has to cut their hours. Life cover for the parent at home is often overlooked. It shouldn't be. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #StayAtHomeParent #Parents #LifeInsurance

Congratulations on your first home! Once the boxes are unpacked, it's worth asking: if something happened to one of you, could the other keep paying the mortgage alone? Life cover can be set up to match your mortgage, so your home is protected if the worst happens. It's one of the most important things to sort once you've moved in, and it's usually easier and cheaper than people think. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #FirstHome #FirstTimeBuyer #MortgageProtection

Lots of people have life cover through their job, often called death in service. It's a great perk. But there are two things worth knowing: 1. It usually stops when you leave that job. 2. It may not be enough to clear the mortgage and look after your family for years to come. It's worth checking what you've actually got, and whether your family would be properly looked after if you changed jobs tomorrow. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #DeathInService #LifeInsurance #KnowYourCover

Here's a question worth asking: if you were off sick for six months, how long would your employer keep paying you in full? For many people it's a few weeks or months, then it drops to Statutory Sick Pay, which is a lot less than most families need to cover the bills. Have a look at your contract or ask HR. If there's a gap, income protection can pay you a monthly income until you're back on your feet. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #SickPay #IncomeProtection #Parents

Having life insurance is one thing. Making sure the money reaches your family quickly is another. Putting your policy in trust is usually free and simple. It means you choose who gets the money, and it can be paid out without waiting months for the legal side of your estate to be sorted. It may also help with inheritance tax. If your life insurance isn't in trust, it's worth a look. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #Trusts #FamilyFinance Trust and tax rules can be complex and depend on your circumstances.

As a single parent, you're the earner, the carer, the taxi driver and everything in between. That's exactly why it matters to have a plan B. If you couldn't work for a while, or if you weren't here, who would look after your children financially? The right cover can make sure there's money for whoever would care for them, and an income for you if illness or injury stops you working. You look after everyone else. Let us help you look after them properly. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #SingleParent #Parents #LifeInsurance

Lots of couples live together for years, have children and share a home, without getting married. But here's something many people don't realise: if you're not married or in a civil partnership and you don't have a will, your partner may not automatically inherit anything from you. A will is the first step. Life insurance, set up in trust for your partner, can make sure they get money quickly when they need it most. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Cohabiting #Wills #LifeInsurance This is general information about England and Wales. A solicitor can help you with your will.

One of the most common things we hear: "I'd love to, but it's too expensive." The truth is, most people guess far higher than the real cost. For a healthy non-smoker, life cover can cost less than a few coffees a month. The price depends on your age, health, how much cover you want and for how long. The younger you are when you start, the cheaper it tends to be. Find out what it would actually cost you. No pressure, no obligation. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #MythBusting #FamilyFinance

Swapped cigarettes for a vape? Good on you. But here's something a lot of people don't know: most insurers still class vaping, nicotine gum and patches as smoking. So you'll usually pay smoker prices. The good news? If you've been completely nicotine-free for 12 months, you're usually treated as a non-smoker, and that can make a real difference to the price. Always be honest when you apply. It matters when it comes to a claim. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Vaping #QuitSmoking #LifeInsurance

Diabetes. High blood pressure. Asthma. Anxiety. A past operation. A lot of people assume a health condition means they can't get life insurance. In many cases, that's not true. Different insurers look at conditions in different ways, so the price and terms can vary a lot from one to another. That's where we come in: we look across the market to find the insurers most likely to say yes at a fair price. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #HealthConditions #LifeInsurance #FamilyFinance

"Insurers never pay out." We hear it a lot, and it's not true. Insurers pay the vast majority of claims. When a claim is turned down, one of the most common reasons is that important health or lifestyle information wasn't shared when the policy was taken out. So the best thing you can do is answer every question fully and honestly, even if it feels minor. It's what makes sure your family gets the money when they need it. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #LifeInsurance #Claims #Honesty

Picture this: a bad back, an operation, or a period of poor mental health means you're off work for six months. The mortgage still needs paying. The food shop, the energy bill, the kids' clubs. None of it stops. Income protection pays you a regular monthly income if illness or injury stops you working, so you can focus on getting better instead of worrying about money. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #IncomeProtection #MentalHealth #Parents

This time of year is all about family. The presents, the chaos, the too-much-food. It's also a good time to think about what really matters: making sure the people you love would be looked after if something happened to you. It's not the most festive thought. But sorting it now means you can enjoy the season knowing they're protected. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Christmas #Family #LifeInsurance

Most couples buy a home based on two incomes. But what if one of you couldn't work because of a serious illness or injury? Could the other cover the mortgage, the bills and everything else on their own, while also looking after you? Income protection and critical illness cover are there to fill that gap, so one setback doesn't turn into a financial crisis. Call us on 0330 043 1229 or visit thatsfamilyfinance.co.uk #Couples #MortgageProtection #IncomeProtection Critical illness pay-outs depend on the illness meeting the policy definition, and some less serious conditions may only pay part of the amount.