Life Insurance & Protection
Cover that pays out when it is needed, arranged by advisers who are not tied to one insurer.
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Protection is the part of financial planning people postpone, because the benefit is invisible until the day it is not. It is also the part where the detail of the policy matters most, and where the cheapest option is frequently the wrong one.
The three main types
Life insurance pays a lump sum or regular payments to your beneficiaries if you die, which can cover a mortgage, debts or ongoing living costs.
Critical illness cover pays out on diagnosis of a specified serious illness. Policies vary considerably in which conditions they cover and how those conditions are defined, so the wording repays reading carefully — which is a large part of what we do.
Income protection pays a monthly income if illness or injury stops you working, typically until you return to work or the policy term ends. For anyone whose household depends on their earnings, it is often the cover that does the most work.
Why independence matters here
Definitions, exclusions and claim rates differ between insurers. Because we search the whole market and are not incentivised to place business anywhere in particular, we can compare on the terms that decide whether a claim gets paid rather than on headline price alone.
Arrange a conversation
The first appointment is free and without obligation, at Bishop’s Waltham or West Byfleet.