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.

Life Insurance

A tax-free lump sum for your family if you die during the policy term.

Cover that stays over your family, year after year

Lump sum, on death

What it is

Life insurance pays a tax-free lump sum to your family if you die while the policy is active — giving them money to stay in their home, clear debts, and keep living without your income.

How it works

1You choose a cover amount and a term — often matched to your mortgage.
2You pay a monthly premium to keep the policy active.
3If you die during the term, your family claims the lump sum, usually paid within weeks.

Why it matters

Clears the mortgage so your family isn't forced to sell or downsize.
Replaces your income so day-to-day life can carry on.
Often costs far less than people expect — sometimes just a few pounds a day.

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.

Expert mortgage & protection advice, tailored to you.

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