Protection Insurance for UK Families

Protection insurance is a broad term for policies that pay out if you die, become seriously ill, or can no longer work. The right combination depends on your family, your mortgage, and your income.

Our protection services

Every family’s situation is different. Below are the protection products we advise on, click any card to learn more and find out if it’s right for you.

✓ Life Insurance

Pays a lump sum to your family if you die during the policy term. The foundation of most family protection plans, used to clear a mortgage, replace an income, or both.

Learn about life insurance ›✓ Critical Illness Cover

Pays a lump sum if you are diagnosed with a serious illness, cancer, heart attack, stroke, and more. Gives you financial breathing room when you need it most.

Learn about critical illness cover ›✓ Income Protection

Replaces a portion of your income if you cannot work due to illness or injury. Pays monthly, keeping your mortgage, bills, and family finances on track.

Learn about income protection ›✓ Family Income Benefit

Pays a regular monthly income to your family if you die, not a lump sum. Often cheaper than level term for the same monthly benefit. Ideal for salary replacement.

Learn about family income benefit ›✓ Mortgage Protection Insurance

Designed specifically to clear your mortgage if you die. A decreasing term policy that reduces in line with your outstanding balance, typically the most affordable option.

Learn about mortgage protection ›✓ Relevant Life Insurance

A tax-efficient death-in-service benefit for directors and employees. Premiums paid by the company, with corporation tax relief, often cheaper than the same cover bought personally.

Learn about relevant life insurance ›★ Free Trust Guidance

Putting your life insurance in trust usually costs nothing and can mean your family gets the money without waiting for probate, and can keep it outside the estate for inheritance tax. Included free with every policy.

Learn about trust guidance ›

Which protection products do you need?

Most families need more than one type of cover. Here is a quick guide to the most common combinations.

Your situation Products to consider
Family with a mortgage and young children Life insurance or mortgage protection + family income benefit + critical illness cover
Single income household Life insurance + income protection + critical illness cover
Self-employed Income protection (priority) + life insurance + critical illness cover
Company director or business owner Relevant life insurance + income protection + critical illness cover
Mortgage only, no dependants Mortgage protection insurance + critical illness cover
Anyone with a life insurance policy Free trust guidance, which can help the payout reach your family without waiting for probate and outside the estate for inheritance tax
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Not sure where to start? We’ll work it out together.

We start with a no-obligation conversation to understand your situation, your family, your mortgage, your income, and what you are trying to protect. From there, we talk you through your options. No pressure, no jargon.

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Why That’s Family Finance

Not tied to one insurerWe are not tied to any insurer.
Protection SpecialistsProtection insurance is all we do. We know the products, the insurers, and the underwriting inside out.
Free Trust GuidanceWe include trust guidance with every policy we arrange. At no extra cost. It is one of the most important steps most advisers skip.
Est. August 2019We have been helping UK families protect what matters most since 2019.

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Protection insurance questions answered

What is protection insurance?
Protection insurance is a broad category covering policies that pay out if you die, become seriously ill, or cannot work. The main types are life insurance, critical illness cover, income protection, family income benefit, and mortgage protection. Each product works differently and suits different needs, many families benefit from a combination.
How much does protection insurance cost?
The cost depends on the type of cover, the amount insured, the policy term, your age, and your health. Life insurance for a healthy non-smoker in their 30s can cost as little as a few pounds a month. We can compare insurers' premiums for you.
Do I need more than one type of protection?
Most families benefit from more than one product. A common combination is life insurance or mortgage protection (to clear the mortgage), family income benefit (to replace the salary), and critical illness cover (for a lump sum on diagnosis of a serious illness). We help you build a plan that covers the right risks without overpaying.
What is the difference between life insurance and critical illness cover?
Life insurance pays out when you die. Critical illness cover pays out when you are diagnosed with a specified serious illness, such as cancer, a heart attack, or a stroke, while you are still alive. Both pay a lump sum, but they cover different risks. Many families have both.
Is protection insurance regulated?
Yes. Protection insurance advice in the UK is regulated by the Financial Conduct Authority (FCA). You can verify our registration on the FCA register.
Do I need to put my life insurance in trust?
Not legally, but many people choose to. Without a trust, the payout forms part of your estate, which means it could be subject to inheritance tax and delayed by probate (which can add months). A trust bypasses both. We include free trust guidance with every policy we arrange.

Protecting the mortgage is the part we advise on ourselves. Read how mortgage protection insurance works, including which type of cover suits which situation.

Guides on this

How much life cover?A four-step calculation with a worked example.Income protection or critical illness?What each one actually pays.Putting cover in trustOne form, no cost, faster payout.

The questions behind the products

Cover with a health conditionDiabetes, cancer, mental health, blood pressure. Start here.Do insurers actually pay out?97.9% of new individual protection claims paid in 2024 (ABI). The published numbers.What people actually claim forCancer dominates one product. Bad backs dominate the other.Why critical illness claims failThe definition, not the insurer. What to check first.Should it be in trust?Usually free, and it decides who gets the money when.High blood pressureTreated and controlled often gets standard rates.Mounjaro and WegovyDeclare it. Insurers price why it was prescribed.

Talk it through with us

Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.

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