Family Protection Services
Protecting your family's future doesn't have to be complicated. We connect you with independent advisors across the UK who'll help you find the right cover, without the jargon, without loaded premiums, and without the pressure.
Whether you're looking to protect your mortgage, provide for your children, or ensure your family can maintain their lifestyle if the worst happens, we'll match you with an expert who compares the options to find the right solution for your needs.
Our Family Protection Services
Life Insurance
Life insurance is the foundation of family protection. It ensures your loved ones can pay the mortgage, cover everyday expenses, and maintain their quality of life if you're no longer around. We compare policies from leading providers like Aviva, Legal & General, AIG, Vitality, and Royal London to find cover that fits your budget and circumstances.
Mortgage Protection
Your mortgage is likely your biggest financial commitment. Mortgage protection (also called decreasing life insurance) is designed to pay off your mortgage if you pass away, ensuring your family can stay in their home. It's typically more affordable than standard life insurance because the cover amount decreases as your mortgage balance reduces.
Critical Illness Cover (Including Cancer Cover)
A critical illness diagnosis like cancer, heart attack, or stroke can turn your world upside down. Critical illness cover pays a tax-free lump sum if you're diagnosed with a serious condition, giving you financial breathing room to focus on recovery, cover medical costs, or adapt your home. We help you understand what conditions are covered and find the right level of protection.
Family Income Benefit
Instead of a one-off lump sum, Family Income Benefit pays a regular tax-free income to your family if you pass away during the policy term. It's often more affordable than traditional life insurance and helps your loved ones manage monthly bills, school fees, and living costs without the stress of managing a large payout.
Child Cover
No parent wants to think about it, but Child Cover provides crucial financial support if your child is diagnosed with a serious illness or passes away. It can help cover medical expenses, specialist treatments, time off work, or funeral costs during an unimaginably difficult time.
Income Protection
Your income pays for everything: the mortgage, bills, food, and your family's lifestyle. Income Protection replaces a portion of your salary (typically 50-70%) if you can't work due to illness or injury, helping you keep up with financial commitments until you're back on your feet. It's the safety net that keeps your family secure when you need it most.
Trust Set Up
Putting your life insurance in trust is a simple but powerful step. It means the payout goes directly to your loved ones, quickly, tax-efficiently, and without going through probate. We can arrange trust set-up to ensure your family gets the money when they need it most, without delays or unnecessary inheritance tax bills. Learn more about trusts.
Why Choose Us for Family Protection?
- Not tied to one provider: We aren't tied to any provider. They compare insurers to find a suitable policy for you.
- No Loaded Premiums: You get fair, transparent pricing with no hidden mark-ups.
- World-Class Advisors Across the UK: We only work with experienced, qualified professionals who put your family's needs first.
- Leading Protection Providers: Access to Aviva, Legal & General, AIG, Vitality, Royal London, LV=, Zurich, Scottish Widows, Canada Life, The Exeter, and more.
- No Spam, No Selling Your Details: We only pass your information to the advisor best suited to help with your specific needs.
Frequently Asked Questions
Do you provide financial advice?
No, we're an introducer service. We connect you with independent, qualified advisors who provide expert advice tailored to your family's circumstances.
What happens to my details?
We only share your information with the advisor who's the best fit for your needs. We don't sell your data or pass it to multiple companies. No spam, just the right solution.
How long does it take to get advice?
Once we match you with an advisor, they'll typically be in touch within 24-48 hours to discuss your needs and start the process.
Do I need life insurance if I already have cover through work?
Workplace cover is a great start, but it often ends when you leave your job and may not provide enough protection for your family. We can review your existing cover and help you fill any gaps.
What's the difference between Life Insurance and Critical Illness Cover?
Life Insurance pays out if you pass away. Critical Illness Cover pays out if you're diagnosed with a serious illness like cancer, heart attack, or stroke while you're still alive. Many people choose both for complete protection.
Why should I put my life insurance in trust?
A trust ensures the payout goes directly to your beneficiaries without delay, avoids probate, and can reduce inheritance tax. It's a simple step that makes a big difference for your loved ones.
How do I get started?
Just get in touch. Tell us what you need, and we'll connect you with the right advisor who can help. It's that simple.
Advice and introductions are handled by That’s Family Finance.
Plain English protection guides
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
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.