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 are written by someone who holds UK mortgage and protection qualifications, 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 it through with One Axion
A free 15-minute intro, or a full hour on your exact situation for €75. We'll explain how each kind of cover works, so you can decide what fits; we won't sell you anything.
Reschedule free up to 24 hours before your call. Cancel before it takes place and you are refunded automatically; once it has taken place it is not refundable.The full rules
Philip is qualified but is not authorised or regulated by the FCA or any other regulator; One Axion gives education and guidance, not regulated advice. We don't sell insurance or recommend specific products or providers, and nothing here replaces advice from a regulated adviser who knows your full circumstances.
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Not sure what you have, what it would pay, or whether it still works now you've moved? Tell us where you are and what you'd like to feel clearer about. Plain-English answers, guidance not sales.
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