The safety nets, without the fear-selling.
Life cover, income protection and critical illness are sold on worry and bought in a hurry, which is how families end up with the wrong kind, the wrong amount, or a policy that pays out to the wrong place. These guides come from a fully qualified UK mortgage & protection adviser, so you can decide what you actually need before anyone tries to sell it to you.
The protection guides
Three safety nets, three guides. Read them in order, or jump to the one on your mind.
Life cover, explained
Term or whole of life, level or decreasing, how much is actually enough, and the one mistake that costs families the most: not writing it in trust.
Read the guideIncome protection vs critical illness
The two products everyone confuses, what each really pays for, why income protection is the one advisers buy for themselves, and the traps in the small print.
Read the guideProtection when you move abroad
Does UK life cover pay out in Cyprus? Does income protection work abroad? What replaces the NHS? The questions expats forget until it's too late.
Read the guideWork out what you need, then talk it through
We don't sell insurance, so the conversation is about you, not a product.
Know what you already have
Most families are part-covered and don't know by how much. Death-in-service, an old mortgage policy, a group scheme at work: find them, record them, and the gap becomes visible.
The Digital Estate OrganiserTalk to a qualified adviser
A free 15-minute intro, or a full hour on your exact situation for €75. We'll tell you what you need and what you don't; we won't sell you anything.
Educational guidance, not regulated financial advice. We don't sell insurance, recommend specific products or providers, and nothing here replaces advice from a regulated adviser who knows your full circumstances.
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