{"product_id":"family-protection","title":"Family Protection","description":"\u003cp\u003e\u003cscript type=\"application\/ld+json\"\u003e\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Service\",\n  \"name\": \"Family Protection Advice UK\",\n  \"description\": \"Independent, whole-of-market family protection advice from That's Family Finance. We help UK families understand life insurance, mortgage protection, critical illness cover, income protection and family income benefit — and connect them with FCA-regulated advisers for personalised recommendations.\",\n  \"url\": \"https:\/\/www.thatsfamilyfinance.co.uk\/pages\/family-protection\",\n  \"datePublished\": \"2026-06-07\",\n  \"dateModified\": \"2026-06-07\",\n  \"provider\": {\n    \"@type\": \"FinancialService\",\n    \"name\": \"That's Family Finance\",\n    \"legalName\": \"RB Ame Ltd\",\n    \"url\": \"https:\/\/www.thatsfamilyfinance.co.uk\",\n    \"telephone\": \"+447585709461\",\n    \"email\": \"hello@thatsfamilyfinance.co.uk\",\n    \"sameAs\": [\"https:\/\/register.fca.org.uk\/s\/firm?id=0014G00002yLiXtQAK\"],\n    \"address\": {\n      \"@type\": \"PostalAddress\",\n      \"streetAddress\": \"The Retreat, 406 Roding Lane South\",\n      \"addressLocality\": \"Woodford Green\",\n      \"addressRegion\": \"Essex\",\n      \"postalCode\": \"IG8 3EY\",\n      \"addressCountry\": \"GB\"\n    },\n    \"areaServed\": [{\"@type\": \"Country\", \"name\": \"United Kingdom\"}]\n  },\n  \"serviceType\": \"Protection Insurance Advice\",\n  \"areaServed\": \"GB\"\n}\n\u003c\/script\u003e \u003cscript type=\"application\/ld+json\"\u003e\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.thatsfamilyfinance.co.uk\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Family Protection\", \"item\": \"https:\/\/www.thatsfamilyfinance.co.uk\/pages\/family-protection\"}\n  ]\n}\n\u003c\/script\u003e \u003cscript type=\"application\/ld+json\"\u003e\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\": \"Question\", \"name\": \"What is family protection insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Family protection is an umbrella term for a range of insurance products designed to protect your family's financial security if you die, become seriously ill, or are unable to work. It typically includes life insurance, mortgage protection, critical illness cover, income protection and family income benefit.\"}},\n    {\"@type\": \"Question\", \"name\": \"Do I need life insurance if I have a mortgage?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"If you have a mortgage, life insurance or mortgage protection is strongly worth considering. If you die without cover, your family may struggle to maintain mortgage payments. A regulated adviser can help you assess the right level and type of cover for your circumstances.\"}},\n    {\"@type\": \"Question\", \"name\": \"What is the difference between life insurance and critical illness cover?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Life insurance pays a lump sum on death. Critical illness cover pays a lump sum on diagnosis of a specified serious illness such as cancer, heart attack or stroke — while you are still alive. Many families benefit from having both.\"}},\n    {\"@type\": \"Question\", \"name\": \"What is family income benefit?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Family income benefit is a type of life insurance that pays a regular monthly income to your family if you die, rather than a lump sum. It is designed to replace your earnings and is often more affordable than a standard life insurance policy for the same level of cover.\"}},\n    {\"@type\": \"Question\", \"name\": \"How much does family protection insurance cost?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The cost of family protection insurance depends on your age, health, lifestyle, the type of cover and the level of benefit. A whole-of-market adviser can compare quotes from all major UK insurers to find the most competitive premium for your circumstances.\"}},\n    {\"@type\": \"Question\", \"name\": \"Is family protection advice free?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The initial enquiry with That's Family Finance is free. FCA-regulated advisers are typically paid by commission from the insurer if you proceed with a policy — meaning there is no charge to you for the advice itself. Commission will always be disclosed clearly.\"}},\n    {\"@type\": \"Question\", \"name\": \"What is income protection and do I need it?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Income protection pays a monthly benefit if you are unable to work due to illness or injury. It is particularly important for the self-employed, who have no employer sick pay to fall back on, but is valuable for employed individuals too. A regulated adviser can help you assess whether your employer sick pay and savings are sufficient.\"}},\n    {\"@type\": \"Question\", \"name\": \"Should I put my life insurance in trust?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Placing your life insurance in trust means the payout goes directly to your chosen beneficiaries without going through your estate — avoiding potential inheritance tax and delays from probate. A regulated adviser can explain whether a trust is appropriate for your circumstances.\"}},\n    {\"@type\": \"Question\", \"name\": \"What family protection do I need as a self-employed person?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Self-employed individuals have no employer sick pay, death in service benefit or group income protection. This makes income protection, life insurance and critical illness cover particularly important. A regulated adviser can help you build a protection plan suited to your income structure.\"}},\n    {\"@type\": \"Question\", \"name\": \"How do I find a good family protection adviser in the UK?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Look for an independent, whole-of-market adviser regulated by the FCA. That's Family Finance (FCA No. 1038034) provides independent protection advice across the UK, comparing all major insurers to find the right cover for your family.\"}},\n    {\"@type\": \"Question\", \"name\": \"Can I get family protection if I have a pre-existing medical condition?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, in many cases. Some conditions may result in exclusions or higher premiums, but a whole-of-market adviser can identify which insurers are most likely to offer competitive terms for your specific health history.\"}},\n    {\"@type\": \"Question\", \"name\": \"What happens to my family if I die without life insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Without life insurance, your family may face significant financial hardship — including difficulty maintaining mortgage payments, covering household bills, or replacing your income. Life insurance provides a financial safety net to protect them at the most difficult time.\"}}\n  ]\n}\n\u003c\/script\u003e\u003c\/p\u003e\n\u003c!-- HERO --\u003e\n\u003cdiv style=\"background: linear-gradient(135deg, #1a3c6e 0%, #0f2548 100%); color: #ffffff; padding: 64px 40px; border-radius: 12px; margin-bottom: 4px; position: relative; overflow: hidden;\"\u003e\n\u003cdiv style=\"position: absolute; top: -80px; right: -80px; width: 320px; height: 320px; background: rgba(255,255,255,0.03); border-radius: 50%;\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"position: absolute; bottom: -60px; left: -60px; width: 240px; height: 240px; background: rgba(255,255,255,0.03); border-radius: 50%;\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"position: absolute; top: 40px; right: 40px; width: 120px; height: 120px; background: rgba(255,255,255,0.04); border-radius: 50%;\"\u003e \u003c\/div\u003e\n\u003cp style=\"font-size: 0.8em; letter-spacing: 0.14em; text-transform: uppercase; margin: 0 0 16px; opacity: 0.75;\"\u003eIndependent · FCA Regulated · Whole of Market\u003c\/p\u003e\n\u003ch1 style=\"font-size: 2.6em; font-weight: 900; margin: 0 0 20px; line-height: 1.1; max-width: 640px;\"\u003eFamily Protection UK\u003c\/h1\u003e\n\u003cp style=\"font-size: 1.15em; margin: 0 0 12px; opacity: 0.95; max-width: 600px; line-height: 1.75;\"\u003eIf something happened to you tomorrow, would your family be financially safe? Life insurance, mortgage protection, critical illness cover, income protection — we explain it all in plain English and connect you with an FCA-regulated adviser for personalised recommendations.\u003c\/p\u003e\n\u003cp style=\"font-size: 0.85em; opacity: 0.7; margin: 0 0 36px;\"\u003eWritten by Ben Tomlin, Financial Adviser  ·  FCA No. 1038034  ·  Last reviewed June 2026\u003c\/p\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 14px;\"\u003e\n\u003ca style=\"display: inline-block; background: #ffffff; color: #1a3c6e; padding: 16px 36px; border-radius: 8px; text-decoration: none; font-weight: 800; font-size: 1em;\" href=\"\/pages\/contact\"\u003eGet protection advice\u003c\/a\u003e \u003ca style=\"display: inline-block; background-color: #25d366; color: #ffffff; padding: 16px 36px; border-radius: 8px; text-decoration: none; font-weight: 800; font-size: 1em;\" rel=\"noopener\" href=\"https:\/\/wa.me\/447585709461\" target=\"_blank\"\u003eWhatsApp us\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- TRUST BAR --\u003e\n\u003cdiv style=\"background-color: #111; padding: 18px 40px; margin: 4px 0;\"\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 24px; align-items: center; justify-content: space-around;\"\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 0.72em; letter-spacing: 0.1em; text-transform: uppercase; color: #888; margin: 0 0 4px;\"\u003eRegulated by\u003c\/p\u003e\n\u003cp style=\"font-size: 0.95em; font-weight: bold; color: #fff; margin: 0;\"\u003eFCA No. 1038034\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"width: 1px; height: 32px; background: #333;\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 0.72em; letter-spacing: 0.1em; text-transform: uppercase; color: #888; margin: 0 0 4px;\"\u003eAdvice type\u003c\/p\u003e\n\u003cp style=\"font-size: 0.95em; font-weight: bold; color: #fff; margin: 0;\"\u003eIndependent \u0026amp; whole of market\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"width: 1px; height: 32px; background: #333;\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 0.72em; letter-spacing: 0.1em; text-transform: uppercase; color: #888; margin: 0 0 4px;\"\u003eCost to you\u003c\/p\u003e\n\u003cp style=\"font-size: 0.95em; font-weight: bold; color: #fff; margin: 0;\"\u003eNo fee for advice\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"width: 1px; height: 32px; background: #333;\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 0.72em; letter-spacing: 0.1em; text-transform: uppercase; color: #888; margin: 0 0 4px;\"\u003eCoverage\u003c\/p\u003e\n\u003cp style=\"font-size: 0.95em; font-weight: bold; color: #fff; margin: 0;\"\u003eUK-wide\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- PLAIN ENGLISH --\u003e\n\u003cdiv style=\"margin: 4px 0;\"\u003e\n\u003cdetails style=\"border: 2px solid #F5A623; border-radius: 10px; overflow: hidden;\" open=\"\"\u003e\n\u003csummary style=\"background: #F5A623; color: #1a1a1a; padding: 16px 24px; cursor: pointer; font-weight: bold; font-size: 0.95em; list-style: none;\"\u003e▶  In plain English — what is family protection?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 24px 28px; background-color: #fffbf2;\"\u003e\n\u003cp style=\"font-size: 1.05em; font-weight: bold; color: #1a1a1a; margin: 0 0 12px; line-height: 1.5;\"\u003eFamily protection is a catch-all term for the insurance products that keep your family financially safe if you die, get seriously ill, or can't work. Think of it as a financial safety net — one that most families don't think about until they need it.\u003c\/p\u003e\n\u003cp style=\"font-size: 0.92em; color: #444; margin: 0 0 10px; line-height: 1.7;\"\u003eThe main types are: \u003cstrong\u003elife insurance\u003c\/strong\u003e (pays a lump sum if you die), \u003cstrong\u003emortgage protection\u003c\/strong\u003e (clears the mortgage if you die), \u003cstrong\u003ecritical illness cover\u003c\/strong\u003e (pays a lump sum if you're diagnosed with a serious illness like cancer or a heart attack), \u003cstrong\u003eincome protection\u003c\/strong\u003e (replaces your income if illness or injury stops you working), and \u003cstrong\u003efamily income benefit\u003c\/strong\u003e (pays a regular monthly income to your family instead of a lump sum).\u003c\/p\u003e\n\u003cp style=\"font-size: 0.88em; color: #555; margin: 0; line-height: 1.6;\"\u003eMost families don't need all of these — a regulated adviser will help you work out which ones matter most for your situation. Our job is to make sure you understand the options before that conversation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003c\/div\u003e\n\u003c!-- JUMP NAV --\u003e\n\u003cdiv style=\"background-color: #111; padding: 20px 40px; margin: 4px 0;\"\u003e\n\u003cp style=\"font-size: 0.78em; letter-spacing: 0.1em; text-transform: uppercase; color: #888; margin: 0 0 12px;\"\u003eOn this page\u003c\/p\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 8px;\"\u003e\n\u003ca style=\"background: #2a2a2a; color: #ccc; padding: 8px 14px; border-radius: 6px; text-decoration: none; font-size: 0.85em; border: 1px solid #333;\" href=\"#types\"\u003eTypes of cover\u003c\/a\u003e \u003ca style=\"background: #2a2a2a; color: #ccc; padding: 8px 14px; border-radius: 6px; text-decoration: none; font-size: 0.85em; border: 1px solid #333;\" href=\"#whoneeds\"\u003eWho needs it\u003c\/a\u003e \u003ca style=\"background: #2a2a2a; color: #ccc; padding: 8px 14px; border-radius: 6px; text-decoration: none; font-size: 0.85em; border: 1px solid #333;\" href=\"#selfemployed\"\u003eSelf-employed\u003c\/a\u003e \u003ca style=\"background: #2a2a2a; color: #ccc; padding: 8px 14px; border-radius: 6px; text-decoration: none; font-size: 0.85em; border: 1px solid #333;\" href=\"#trusts\"\u003eTrusts\u003c\/a\u003e \u003ca style=\"background: #2a2a2a; color: #ccc; padding: 8px 14px; border-radius: 6px; text-decoration: none; font-size: 0.85em; border: 1px solid #333;\" href=\"#providers\"\u003eProviders\u003c\/a\u003e \u003ca style=\"background: #2a2a2a; color: #ccc; padding: 8px 14px; border-radius: 6px; text-decoration: none; font-size: 0.85em; border: 1px solid #333;\" href=\"#faq\"\u003eFAQs\u003c\/a\u003e \u003ca style=\"background: #1a3c6e; color: #fff; padding: 8px 14px; border-radius: 6px; text-decoration: none; font-size: 0.85em; font-weight: bold;\" href=\"\/pages\/contact\"\u003eGet advice\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- TYPES OF COVER --\u003e\n\u003cdiv style=\"background-color: #f2f2f2; padding: 52px 40px; margin: 4px 0;\" id=\"types\"\u003e\n\u003ch2 style=\"font-size: 1.6em; font-weight: 900; color: #1a1a1a; margin: 0 0 8px;\"\u003eTypes of family protection cover\u003c\/h2\u003e\n\u003cp style=\"color: #555; font-size: 0.93em; margin: 0 0 32px; line-height: 1.7;\"\u003eEach type of cover protects against a different risk. Most families benefit from a combination — a regulated adviser will help you work out the right mix for your circumstances.\u003c\/p\u003e\n\u003cdiv style=\"display: flex; flex-direction: column; gap: 3px;\"\u003e\n\u003cdiv style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); border-radius: 10px 10px 0 0; padding: 24px 28px; display: flex; gap: 20px; align-items: flex-start;\"\u003e\n\u003cdiv style=\"background: rgba(255,255,255,0.12); border-radius: 10px; width: 44px; height: 44px; display: flex; align-items: center; justify-content: center; font-size: 1.3em; flex-shrink: 0;\"\u003e🔒\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cp style=\"margin: 0 0 4px; font-weight: 800; font-size: 1.05em; color: #fff;\"\u003eLife Insurance\u003c\/p\u003e\n\u003cp style=\"margin: 0 0 8px; font-size: 0.88em; color: rgba(255,255,255,0.88); line-height: 1.6;\"\u003ePays a tax-free lump sum to your family if you die during the policy term. Can be used to clear debts, replace income, or provide financial security. Available as level term, decreasing term or whole of life.\u003c\/p\u003e\n\u003ca href=\"\/pages\/contact\" style=\"font-size: 0.82em; color: #ffcc00; text-decoration: none; font-weight: bold;\"\u003eAsk us about life insurance →\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; padding: 24px 28px; display: flex; gap: 20px; align-items: flex-start;\"\u003e\n\u003cdiv style=\"background: #1a3c6e; border-radius: 10px; width: 44px; height: 44px; display: flex; align-items: center; justify-content: center; font-size: 1.3em; flex-shrink: 0;\"\u003e🏠\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cp style=\"margin: 0 0 4px; font-weight: 800; font-size: 1.05em; color: #fff;\"\u003eMortgage Protection\u003c\/p\u003e\n\u003cp style=\"margin: 0 0 8px; font-size: 0.88em; color: #ccc; line-height: 1.6;\"\u003eA type of life insurance specifically designed to clear your outstanding mortgage balance if you die. Typically a decreasing term policy where the cover reduces in line with your mortgage balance. Essential for homeowners with dependants.\u003c\/p\u003e\n\u003ca href=\"\/pages\/contact\" style=\"font-size: 0.82em; color: #ffcc00; text-decoration: none; font-weight: bold;\"\u003eAsk us about mortgage protection →\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #222; padding: 24px 28px; display: flex; gap: 20px; align-items: flex-start;\"\u003e\n\u003cdiv style=\"background: #1a3c6e; border-radius: 10px; width: 44px; height: 44px; display: flex; align-items: center; justify-content: center; font-size: 1.3em; flex-shrink: 0;\"\u003e❤\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cp style=\"margin: 0 0 4px; font-weight: 800; font-size: 1.05em; color: #fff;\"\u003eCritical Illness Cover\u003c\/p\u003e\n\u003cp style=\"margin: 0 0 8px; font-size: 0.88em; color: #ccc; line-height: 1.6;\"\u003ePays a tax-free lump sum if you are diagnosed with a specified serious illness — such as cancer, heart attack or stroke — while you are still alive. Can be used to clear debts, adapt your home, or replace lost income during recovery. Often combined with life insurance.\u003c\/p\u003e\n\u003ca href=\"\/pages\/contact\" style=\"font-size: 0.82em; color: #ffcc00; text-decoration: none; font-weight: bold;\"\u003eAsk us about critical illness cover →\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; padding: 24px 28px; display: flex; gap: 20px; align-items: flex-start;\"\u003e\n\u003cdiv style=\"background: #1a3c6e; border-radius: 10px; width: 44px; height: 44px; display: flex; align-items: center; justify-content: center; font-size: 1.3em; flex-shrink: 0;\"\u003e📈\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cp style=\"margin: 0 0 4px; font-weight: 800; font-size: 1.05em; color: #fff;\"\u003eIncome Protection\u003c\/p\u003e\n\u003cp style=\"margin: 0 0 8px; font-size: 0.88em; color: #ccc; line-height: 1.6;\"\u003ePays a monthly benefit — typically up to 60–70% of your gross income — if you are unable to work due to illness or injury. Continues until you return to work, retire, or the policy ends. Particularly important for the self-employed and those without employer sick pay.\u003c\/p\u003e\n\u003ca href=\"\/pages\/contact\" style=\"font-size: 0.82em; color: #ffcc00; text-decoration: none; font-weight: bold;\"\u003eAsk us about income protection →\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #222; padding: 24px 28px; display: flex; gap: 20px; align-items: flex-start;\"\u003e\n\u003cdiv style=\"background: #1a3c6e; border-radius: 10px; width: 44px; height: 44px; display: flex; align-items: center; justify-content: center; font-size: 1.3em; flex-shrink: 0;\"\u003e👪\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cp style=\"margin: 0 0 4px; font-weight: 800; font-size: 1.05em; color: #fff;\"\u003eFamily Income Benefit\u003c\/p\u003e\n\u003cp style=\"margin: 0 0 8px; font-size: 0.88em; color: #ccc; line-height: 1.6;\"\u003eA type of life insurance that pays a regular monthly income to your family if you die, rather than a lump sum. Designed to replace your earnings for the remainder of the policy term. Often more affordable than a standard life insurance policy for the same level of cover.\u003c\/p\u003e\n\u003ca href=\"\/pages\/contact\" style=\"font-size: 0.82em; color: #ffcc00; text-decoration: none; font-weight: bold;\"\u003eAsk us about family income benefit →\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background: linear-gradient(90deg, #0f2548, #071428); border-radius: 0 0 10px 10px; padding: 24px 28px; display: flex; gap: 20px; align-items: flex-start;\"\u003e\n\u003cdiv style=\"background: rgba(255,255,255,0.1); border-radius: 10px; width: 44px; height: 44px; display: flex; align-items: center; justify-content: center; font-size: 1.3em; flex-shrink: 0;\"\u003e👤\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cp style=\"margin: 0 0 4px; font-weight: 800; font-size: 1.05em; color: #fff;\"\u003eChild Critical Illness Cover\u003c\/p\u003e\n\u003cp style=\"margin: 0 0 8px; font-size: 0.88em; color: rgba(255,255,255,0.85); line-height: 1.6;\"\u003eMany life and critical illness policies include optional child cover, paying a lump sum if your child is diagnosed with a specified serious illness. Provides financial support to cover time off work, adaptations or additional care costs during a child's illness.\u003c\/p\u003e\n\u003ca href=\"\/pages\/contact\" style=\"font-size: 0.82em; color: #ffcc00; text-decoration: none; font-weight: bold;\"\u003eAsk us about child cover →\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- STAT BAR --\u003e\n\u003cdiv style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); padding: 28px 40px; margin: 4px 0;\"\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 24px; align-items: center; justify-content: space-around;\"\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 2em; font-weight: 900; color: #ffcc00; margin: 0 0 4px;\"\u003e1 in 2\u003c\/p\u003e\n\u003cp style=\"font-size: 0.78em; color: rgba(255,255,255,0.75); margin: 0; line-height: 1.4;\"\u003epeople will get cancer\u003cbr\u003ein their lifetime (UK)\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"width: 1px; height: 48px; background: rgba(255,255,255,0.15);\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 2em; font-weight: 900; color: #ffcc00; margin: 0 0 4px;\"\u003e9 in 10\u003c\/p\u003e\n\u003cp style=\"font-size: 0.78em; color: rgba(255,255,255,0.75); margin: 0; line-height: 1.4;\"\u003efamilies have no income\u003cbr\u003eprotection in place\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"width: 1px; height: 48px; background: rgba(255,255,255,0.15);\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 2em; font-weight: 900; color: #ffcc00; margin: 0 0 4px;\"\u003e£0\u003c\/p\u003e\n\u003cp style=\"font-size: 0.78em; color: rgba(255,255,255,0.75); margin: 0; line-height: 1.4;\"\u003estatutory sick pay after\u003cbr\u003e28 weeks for most\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"width: 1px; height: 48px; background: rgba(255,255,255,0.15);\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv style=\"text-align: center;\"\u003e\n\u003cp style=\"font-size: 2em; font-weight: 900; color: #ffcc00; margin: 0 0 4px;\"\u003eFree\u003c\/p\u003e\n\u003cp style=\"font-size: 0.78em; color: rgba(255,255,255,0.75); margin: 0; line-height: 1.4;\"\u003eindependent advice\u003cbr\u003efrom That's Family Finance\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- WHO NEEDS IT --\u003e\n\u003cdiv style=\"background-color: #1a1a1a; padding: 52px 40px; margin: 4px 0;\" id=\"whoneeds\"\u003e\n\u003ch2 style=\"font-size: 1.6em; font-weight: 900; color: #ffffff; margin: 0 0 8px;\"\u003eWho needs family protection?\u003c\/h2\u003e\n\u003cp style=\"color: #aaa; font-size: 0.93em; margin: 0 0 28px; line-height: 1.7;\"\u003eFamily protection is relevant to most adults — but it's particularly important in these situations.\u003c\/p\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 12px;\"\u003e\n\u003cdiv style=\"background-color: #2a2a2a; border: 1px solid #1a3c6e; border-radius: 10px; padding: 20px 22px; flex: 1; min-width: 200px;\"\u003e\n\u003cp style=\"margin: 0 0 6px; font-weight: 800; font-size: 0.95em; color: #fff;\"\u003e👪 Parents with children\u003c\/p\u003e\n\u003cp style=\"margin: 0; font-size: 0.85em; color: #aaa; line-height: 1.55;\"\u003eIf you have children who depend on your income, life insurance and income protection are essential. Your family needs financial security if you die or can't work.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; border: 1px solid #1a3c6e; border-radius: 10px; padding: 20px 22px; flex: 1; min-width: 200px;\"\u003e\n\u003cp style=\"margin: 0 0 6px; font-weight: 800; font-size: 0.95em; color: #fff;\"\u003e🏠 Homeowners with a mortgage\u003c\/p\u003e\n\u003cp style=\"margin: 0; font-size: 0.85em; color: #aaa; line-height: 1.55;\"\u003eIf you die without mortgage protection, your family may lose their home. Mortgage protection ensures the debt is cleared, whatever happens.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; border: 1px solid #1a3c6e; border-radius: 10px; padding: 20px 22px; flex: 1; min-width: 200px;\"\u003e\n\u003cp style=\"margin: 0 0 6px; font-weight: 800; font-size: 0.95em; color: #fff;\"\u003e💼 Self-employed individuals\u003c\/p\u003e\n\u003cp style=\"margin: 0; font-size: 0.85em; color: #aaa; line-height: 1.55;\"\u003eNo employer sick pay, no death in service, no group income protection. Self-employed individuals carry all the financial risk themselves — making personal protection critical.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; border: 1px solid #1a3c6e; border-radius: 10px; padding: 20px 22px; flex: 1; min-width: 200px;\"\u003e\n\u003cp style=\"margin: 0 0 6px; font-weight: 800; font-size: 0.95em; color: #fff;\"\u003e💰 Single-income households\u003c\/p\u003e\n\u003cp style=\"margin: 0; font-size: 0.85em; color: #aaa; line-height: 1.55;\"\u003eIf your household relies on one income, the financial impact of losing it — through death, illness or injury — is immediate and severe. Protection is not optional in this situation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; border: 1px solid #1a3c6e; border-radius: 10px; padding: 20px 22px; flex: 1; min-width: 200px;\"\u003e\n\u003cp style=\"margin: 0 0 6px; font-weight: 800; font-size: 0.95em; color: #fff;\"\u003e📋 Those with outdated cover\u003c\/p\u003e\n\u003cp style=\"margin: 0; font-size: 0.85em; color: #aaa; line-height: 1.55;\"\u003eLife changes — new mortgage, new child, new job. Cover taken out years ago may no longer reflect your current needs. A review can identify gaps before they matter.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; border: 1px solid #1a3c6e; border-radius: 10px; padding: 20px 22px; flex: 1; min-width: 200px;\"\u003e\n\u003cp style=\"margin: 0 0 6px; font-weight: 800; font-size: 0.95em; color: #fff;\"\u003e❓ Those unsure what they have\u003c\/p\u003e\n\u003cp style=\"margin: 0; font-size: 0.85em; color: #aaa; line-height: 1.55;\"\u003eMany people have some cover through work but don't know what it includes or whether it's enough. Understanding what you already have is the first step.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- SELF-EMPLOYED --\u003e\n\u003cdiv style=\"background-color: #f2f2f2; padding: 52px 40px; margin: 4px 0;\" id=\"selfemployed\"\u003e\n\u003ch2 style=\"font-size: 1.6em; font-weight: 900; color: #1a1a1a; margin: 0 0 18px;\"\u003eFamily protection for the self-employed\u003c\/h2\u003e\n\u003cp style=\"color: #444; line-height: 1.85; margin: 0 0 18px;\"\u003eIf you're self-employed, a contractor or a freelancer, you carry financial risks that employed individuals don't. There's no employer sick pay if you're ill, no death in service benefit if you die, and no group income protection. Every financial risk falls on you — and by extension, on your family.\u003c\/p\u003e\n\u003cp style=\"color: #444; line-height: 1.85; margin: 0 0 24px;\"\u003eIncome protection is arguably the most important cover for the self-employed — but life insurance and critical illness cover are also critical if you have a mortgage or dependants. A whole-of-market adviser can build a protection plan that fits your income structure and budget.\u003c\/p\u003e\n\u003cdiv style=\"background-color: #dbeafe; border-left: 4px solid #1a3c6e; padding: 18px 22px; border-radius: 4px; font-size: 0.9em; color: #333;\"\u003e\n\u003cstrong\u003eSelf-employed?\u003c\/strong\u003e We compare specialist providers including \u003ca href=\"\/pages\/the-exeter-income-protection\" style=\"color: #1a3c6e;\"\u003eThe Exeter\u003c\/a\u003e, \u003ca href=\"\/pages\/holloway-friendly-income-protection\" style=\"color: #1a3c6e;\"\u003eHolloway Friendly\u003c\/a\u003e, \u003ca href=\"\/pages\/british-friendly-income-protection\" style=\"color: #1a3c6e;\"\u003eBritish Friendly\u003c\/a\u003e and \u003ca href=\"\/pages\/cirencester-friendly-income-protection\" style=\"color: #1a3c6e;\"\u003eCirencester Friendly\u003c\/a\u003e alongside all mainstream providers. \u003ca href=\"\/pages\/contact\" style=\"color: #1a3c6e; font-weight: bold;\"\u003eGet in touch.\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- TRUSTS --\u003e\n\u003cdiv style=\"background-color: #1a1a1a; padding: 52px 40px; margin: 4px 0;\" id=\"trusts\"\u003e\n\u003ch2 style=\"font-size: 1.6em; font-weight: 900; color: #ffffff; margin: 0 0 18px;\"\u003eLife insurance \u0026amp; trusts — why it matters\u003c\/h2\u003e\n\u003cp style=\"color: #ccc; line-height: 1.85; margin: 0 0 18px;\"\u003eMost people don't realise that a life insurance payout can be delayed by probate or reduced by inheritance tax if the policy isn't written in trust. Placing your life insurance in trust means the payout goes directly to your chosen beneficiaries — quickly, and outside your estate.\u003c\/p\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 3px; margin-bottom: 20px;\"\u003e\n\u003cdiv style=\"flex: 1; min-width: 200px; background-color: #2a2a2a; border-top: 3px solid #1a3c6e; padding: 20px 18px; border-radius: 4px;\"\u003e\n\u003cp style=\"font-weight: 800; font-size: 0.95em; color: #fff; margin: 0 0 6px;\"\u003e✅ Avoids probate delays\u003c\/p\u003e\n\u003cp style=\"font-size: 0.85em; color: #aaa; margin: 0; line-height: 1.5;\"\u003eProbate can take months or years. A trust means your family receives the payout quickly, without waiting for the estate to be settled.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"flex: 1; min-width: 200px; background-color: #2a2a2a; border-top: 3px solid #1a3c6e; padding: 20px 18px; border-radius: 4px;\"\u003e\n\u003cp style=\"font-weight: 800; font-size: 0.95em; color: #fff; margin: 0 0 6px;\"\u003e✅ Outside your estate\u003c\/p\u003e\n\u003cp style=\"font-size: 0.85em; color: #aaa; margin: 0; line-height: 1.5;\"\u003eA payout written in trust does not form part of your estate, meaning it is not subject to inheritance tax — potentially saving your family thousands of pounds.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"flex: 1; min-width: 200px; background-color: #2a2a2a; border-top: 3px solid #1a3c6e; padding: 20px 18px; border-radius: 4px;\"\u003e\n\u003cp style=\"font-weight: 800; font-size: 0.95em; color: #fff; margin: 0 0 6px;\"\u003e✅ Goes to the right people\u003c\/p\u003e\n\u003cp style=\"font-size: 0.85em; color: #aaa; margin: 0; line-height: 1.5;\"\u003eYou choose your beneficiaries when you set up the trust. The money goes exactly where you intend, without ambiguity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv style=\"background-color: #2a2a2a; border-left: 4px solid #1a3c6e; padding: 16px 20px; border-radius: 4px; font-size: 0.9em; color: #ccc;\"\u003e\n\u003cstrong style=\"color: #fff;\"\u003eTrust service:\u003c\/strong\u003e We can help you understand whether a trust is appropriate for your policy. \u003ca href=\"\/pages\/contact\" style=\"color: #7ba7d4; font-weight: bold;\"\u003eAsk us about trusts.\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- PROVIDERS --\u003e\n\u003cdiv style=\"background-color: #f2f2f2; padding: 52px 40px; margin: 4px 0;\" id=\"providers\"\u003e\n\u003ch2 style=\"font-size: 1.6em; font-weight: 900; color: #1a1a1a; margin: 0 0 8px;\"\u003eProviders we compare\u003c\/h2\u003e\n\u003cp style=\"color: #555; font-size: 0.93em; margin: 0 0 28px; line-height: 1.7;\"\u003eAs a whole-of-market adviser, we compare all major UK protection providers — not just a panel. Here are some of the providers we work with.\u003c\/p\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 10px;\"\u003e\n\u003ca href=\"\/pages\/royal-london-helping-hand\" style=\"background-color: #5c2d82; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eRoyal London\u003c\/a\u003e \u003ca href=\"\/pages\/lv-doctor-services\" style=\"background-color: #00625f; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eLV=\u003c\/a\u003e \u003ca href=\"\/pages\/aviva-global-treatment\" style=\"background-color: #1b1464; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eAviva\u003c\/a\u003e \u003ca href=\"\/pages\/legal-and-general-wellbeing-support\" style=\"background-color: #006633; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eLegal \u0026amp; General\u003c\/a\u003e \u003ca href=\"\/pages\/guardian-life-insurance\" style=\"background-color: #1b1464; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eGuardian\u003c\/a\u003e \u003ca href=\"\/pages\/vitality-life-insurance\" style=\"background-color: #e8003d; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eVitality\u003c\/a\u003e \u003ca href=\"\/pages\/the-exeter-income-protection\" style=\"background-color: #006272; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eThe Exeter\u003c\/a\u003e \u003ca href=\"\/pages\/holloway-friendly-income-protection\" style=\"background-color: #4a1942; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eHolloway Friendly\u003c\/a\u003e \u003ca href=\"\/pages\/british-friendly-income-protection\" style=\"background-color: #003087; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eBritish Friendly\u003c\/a\u003e \u003ca href=\"\/pages\/cirencester-friendly-income-protection\" style=\"background-color: #2e7d32; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eCirencester Friendly\u003c\/a\u003e \u003ca href=\"\/pages\/aegon-life-insurance\" style=\"background-color: #00a0dc; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eAegon\u003c\/a\u003e \u003ca href=\"\/pages\/zurich-accelerate\" style=\"background-color: #003399; color: #fff; padding: 10px 18px; border-radius: 6px; text-decoration: none; font-weight: bold; font-size: 0.85em;\"\u003eZurich\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- GEO --\u003e\n\u003cdiv style=\"background: linear-gradient(135deg, #1a3c6e 0%, #0f2548 100%); padding: 52px 40px; margin: 4px 0;\"\u003e\n\u003ch2 style=\"font-size: 1.4em; font-weight: 900; color: #ffffff; margin: 0 0 14px;\"\u003eFamily protection advice across the UK\u003c\/h2\u003e\n\u003cp style=\"color: rgba(255,255,255,0.82); font-size: 0.93em; line-height: 1.85; margin: 0 0 16px;\"\u003eThat's Family Finance provides independent family protection advice to families and individuals across England, Scotland, Wales and Northern Ireland. Whether you're in \u003cstrong style=\"color: #fff;\"\u003eLondon\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eManchester\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eBirmingham\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eLeeds\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eBristol\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eSheffield\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eEdinburgh\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eCardiff\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eGlasgow\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eLiverpool\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eNottingham\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eLeicester\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eEssex\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eKent\u003c\/strong\u003e, \u003cstrong style=\"color: #fff;\"\u003eSurrey\u003c\/strong\u003e or anywhere in between, we work with you remotely or in person.\u003c\/p\u003e\n\u003cp style=\"color: rgba(255,255,255,0.7); font-size: 0.88em; line-height: 1.7; margin: 0;\"\u003eWe are an independent, FCA-regulated firm (No. 1038034). We are not tied to any insurer and compare the whole of the UK protection market to find the right cover for your family.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c!-- CTA --\u003e\n\u003cdiv style=\"background: linear-gradient(135deg, #0f2548 0%, #1a3c6e 100%); padding: 60px 40px; margin: 4px 0; text-align: center;\"\u003e\n\u003cp style=\"color: rgba(255,255,255,0.75); font-size: 0.82em; letter-spacing: 0.12em; text-transform: uppercase; margin: 0 0 14px;\"\u003eNo obligation · No fee · FCA regulated\u003c\/p\u003e\n\u003cp style=\"color: #ffffff; font-size: 1.5em; font-weight: 900; margin: 0 0 14px; line-height: 1.2; max-width: 560px; margin-left: auto; margin-right: auto;\"\u003eReady to protect your family?\u003c\/p\u003e\n\u003cp style=\"color: rgba(255,255,255,0.88); font-size: 0.95em; margin: 0 0 32px; max-width: 480px; margin-left: auto; margin-right: auto; line-height: 1.75;\"\u003eSend us an enquiry or message us on WhatsApp. We'll explain your options in plain English and connect you with an FCA-regulated adviser for personalised recommendations.\u003c\/p\u003e\n\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 14px; justify-content: center;\"\u003e\n\u003ca style=\"display: inline-block; background: #ffffff; color: #1a3c6e; padding: 16px 40px; border-radius: 8px; text-decoration: none; font-weight: 900; font-size: 1em;\" href=\"\/pages\/contact\"\u003eGet protection advice\u003c\/a\u003e \u003ca style=\"display: inline-block; background-color: #25d366; color: #ffffff; padding: 16px 40px; border-radius: 8px; text-decoration: none; font-weight: 900; font-size: 1em;\" rel=\"noopener\" href=\"https:\/\/wa.me\/447585709461\" target=\"_blank\"\u003eWhatsApp us\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c!-- FAQ --\u003e\n\u003cdiv style=\"background-color: #1a1a1a; padding: 52px 40px; margin: 4px 0;\" id=\"faq\"\u003e\n\u003ch2 style=\"font-size: 1.6em; font-weight: 900; color: #ffffff; margin: 0 0 8px;\"\u003eFrequently asked questions\u003c\/h2\u003e\n\u003cp style=\"color: #888; font-size: 0.88em; margin: 0 0 28px;\"\u003eEverything families ask us about protection insurance.\u003c\/p\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eWhat is family protection insurance?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eFamily protection is an umbrella term for a range of insurance products designed to protect your family's financial security if you die, become seriously ill, or are unable to work. It typically includes life insurance, mortgage protection, critical illness cover, income protection and family income benefit.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eDo I need life insurance if I have a mortgage?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eIf you have a mortgage, life insurance or mortgage protection is strongly worth considering. If you die without cover, your family may struggle to maintain mortgage payments. A regulated adviser can help you assess the right level and type of cover for your circumstances.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eWhat is the difference between life insurance and critical illness cover?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eLife insurance pays a lump sum on death. Critical illness cover pays a lump sum on diagnosis of a specified serious illness such as cancer, heart attack or stroke — while you are still alive. Many families benefit from having both.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eWhat is family income benefit?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eFamily income benefit is a type of life insurance that pays a regular monthly income to your family if you die, rather than a lump sum. It is designed to replace your earnings and is often more affordable than a standard life insurance policy for the same level of cover.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eHow much does family protection insurance cost?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eThe cost depends on your age, health, lifestyle, the type of cover and the level of benefit. A whole-of-market adviser can compare quotes from all major UK insurers to find the most competitive premium for your circumstances.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eIs family protection advice free?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eThe initial enquiry with That's Family Finance is free. FCA-regulated advisers are typically paid by commission from the insurer if you proceed with a policy — meaning there is no charge to you for the advice itself. Commission will always be disclosed clearly.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eWhat is income protection and do I need it?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eIncome protection pays a monthly benefit if you are unable to work due to illness or injury. It is particularly important for the self-employed, who have no employer sick pay to fall back on, but is valuable for employed individuals too. A regulated adviser can help you assess whether your employer sick pay and savings are sufficient.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eShould I put my life insurance in trust?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003ePlacing your life insurance in trust means the payout goes directly to your chosen beneficiaries without going through your estate — avoiding potential inheritance tax and delays from probate. A regulated adviser can explain whether a trust is appropriate for your circumstances.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eWhat family protection do I need as a self-employed person?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eSelf-employed individuals have no employer sick pay, death in service benefit or group income protection. This makes income protection, life insurance and critical illness cover particularly important. A regulated adviser can help you build a protection plan suited to your income structure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 10px; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eCan I get family protection if I have a pre-existing medical condition?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eYes, in many cases. Some conditions may result in exclusions or higher premiums, but a whole-of-market adviser can identify which insurers are most likely to offer competitive terms for your specific health history.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #333; border-radius: 8px; margin-bottom: 0; overflow: hidden;\"\u003e\n\u003csummary style=\"background: linear-gradient(90deg, #1a3c6e, #0f2548); color: #fff; padding: 16px 20px; cursor: pointer; font-weight: 600; list-style: none; font-size: 0.95em;\"\u003eWhat happens to my family if I die without life insurance?\u003c\/summary\u003e\n\u003cdiv style=\"padding: 20px 22px; background-color: #2a2a2a;\"\u003e\n\u003cp style=\"margin: 0; color: #ccc; line-height: 1.8;\"\u003eWithout life insurance, your family may face significant financial hardship — including difficulty maintaining mortgage payments, covering household bills, or replacing your income. Life insurance provides a financial safety net to protect them at the most difficult time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/details\u003e\n\u003c\/div\u003e\n\u003c!-- DISCLAIMER --\u003e\n\u003cdiv style=\"background-color: #f2f2f2; padding: 32px 40px; margin: 4px 0;\"\u003e\n\u003cp style=\"font-size: 0.82em; color: #666; line-height: 1.7; margin: 0 0 10px;\"\u003eStatistics cited are for illustrative purposes. Always refer to official sources for the most current data. The information on this page is for educational purposes only and does not constitute financial advice.\u003c\/p\u003e\n\u003cp style=\"font-size: 0.82em; color: #666; line-height: 1.7; margin: 0;\"\u003eThat's Family Finance is an independent, FCA-regulated firm (No. 1038034). We provide information and guidance and connect you with FCA-regulated advisers for personalised recommendations. We are paid by commission from the insurer if you proceed with a policy, which will always be disclosed clearly. Registered address: The Retreat, 406 Roding Lane South, Woodford Green, Essex, IG8 3EY.\u003c\/p\u003e\n\u003c\/div\u003e","brand":"thatsfamilyfinance","offers":[{"title":"Default Title","offer_id":56812866568537,"sku":null,"price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0995\/3919\/0105\/files\/mixed-race-dad-white-mum-two-kids-really-laughing-having-fun-playing-british-cushion-in-background.png?v=1765230628","url":"https:\/\/www.thatsfamilyfinance.co.uk\/products\/family-protection","provider":"That's Family Finance","version":"1.0","type":"link"}