Protection Guides

Understand your protection options

Insurance jargon can be confusing. These short, visual guides explain what each type of protection actually does, how it works, and why it might matter for you and your family.

Family Protection

A regular income for your family in place of a single payout.

Adviser with his family, representing family income benefit

Your family receives a regular payment every month, for exactly as long as they need it

Monthly income, on death

What it is

Family Income Benefit pays your family a regular tax-free income — not a lump sum — for the rest of the policy term if you die, so money arrives exactly when it's needed.

How it works

1You choose a monthly income amount and how long it should be paid for.
2If you die during the term, payments to your family start straight away.
3They receive that income every month until the original term ends — just like a salary.

Why it matters

Simpler for families to manage day-to-day than a single lump sum.
Often cheaper than an equivalent lump-sum policy, since payments reduce as the term goes on.
Matches money to time — replacing your income for exactly as long as your family would have relied on it.

These guides are general information only, not personalised advice — cover, exclusions, and pricing vary by provider and policy. Get in touch with us to find out which protection is right for you.

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