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Since 2006 we have helped 337,238 people compare Protection Insurance quotes.
We would love to do the same for you...

Now’s the time to protect your loved ones - Prices have never been cheaper.

Let's help guide you through the options and find the best deal for your circumstances.

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Since 2006 we have helped 337,238 people compare Protection Insurance quotes.
We would love to do the same for you...

How to determine the right type of protection insurance for you

Protection insurance is a category of cover that seems to have attracted greater interest from many people in recent years - and we can hardly blame them. But not all protection insurance policies are the same in terms of how much coverage they provide, or even what they protect.

So, we thought we’d take you on a whistle-stop tour of the kinds of protection insurance out there, so that you can begin to properly consider your options - including which one may best suit your own circumstances and requirements.

What forms of protection cover are available?

Most people can understand the concept of a protection insurance policy as a product that is triggered by a particular event to pay out a certain sum of money. However, there is a difference between the kind of protection cover that pays out to your dependants if you die, and the kind that pays you a sum if something happens to you that satisfies the policy’s terms for a pay-out.

Life insurance, for instance, belongs to the first of those categories. Contrary to what its name might imply to some people - and we’re sure there are some wags out there who would suggest renaming it ‘death insurance’ - it is a product that pays out a one-off tax-free lump sum in the event of your death. Of course, you wouldn’t be around to benefit, so your dependants would receive the money.

Moving on to the second category we mentioned above, there are - broadly speaking - two types of cover to be aware of here: income protection insurance and critical illness cover.

It’s easy to get these two confused, so let’s put it simply: if you’re looking for a product that would effectively cover some of your income in the event of a long-term sickness or disability rendering you unable to work, in the form of monthly tax-free payments, it is income protection cover that you will be interested in.

Critical illness cover, by contrast, doesn’t pay out recurring, monthly sums. Instead, as a holder of this policy, you would be a paid a single one-off tax-free amount in the event of you suffering from one of the specific medical conditions or injuries listed in the policy’s terms and conditions. The likes of heart attacks, strokes and certain types of cancer are good examples of such conditions.

What other factors will help narrow down my options?

To decide which specific protection insurance policy - not just the type of protection insurance - would be right for you, it will be necessary to account for various factors.

One of those factors will be the question of exactly what you want to protect. If you are a parent with one or more dependants, for instance, a life insurance policy might make a lot of sense. Life insurance wouldn’t be a suitable option for someone who doesn’t have any dependants, though, given that the policy would only pay out after the policyholder’s passing.

If, then, you don’t have dependants, you might be more interested in an income protection insurance policy, given that this could help you cover your living costs in the event of injury or illness preventing you from earning your usual salary.

But of course, you will also have to consider your exact needs alongside the likely costs of a suitable policy. You might not be able to obtain an affordable policy that covers everything you would ideally like to have covered, in which case, you may need to be ruthless in prioritising certain areas of coverage.

In this situation, it’s worth asking yourself whether you might already have elements of protection elsewhere, such as an employee benefits package that includes some form of life insurance. Also bear in mind that even just some protection might be better than none.

Would you like to be put in touch with an adviser who could help you to be more certain about your options when it comes to protection insurance, including by providing a free quotationservice with no obligation to purchase? If so, you are very welcome to give us a call today, on 0800 316 6917.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - June 2022*
Life Insurance: £5/month = £64,427 sum insured
Critical Illness Cover: £10/month = £27,143 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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