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Since 2006 we have helped 339,594 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.

Our quotation service is completely FREE & you are under no obligation to purchase.

Since 2006 we have helped 339,594 people compare Protection Insurance quotes.
We would love to do the same for you...

Which should you prioritise when it comes to protection insurance: quality or price?

On the surface, the above question might seem a rather silly one. After all, no one considers a protection insurance product - such as critical illness cover or income protection insurance - with a view to buying poor-quality cover. And even an attractive ‘headline’ price will be of little use if the given coverage doesn’t protect against the risks the policyholder needs it to protect against.

However, many of us have been forced to consider quality versus price matters more frequently in recent times as far as protection insurance is concerned. So, let’s take a closer look at how you can best square this particular circle.

Make sure you’re purchasing the right type of insurance product

The term ‘protection insurance’ is a broad one, and the different forms of protection insurance tend to protect against very different things.

If, for instance, you are currently doing a life and critical illness cover comparison, it is important to appreciate that critical illness cover is designed to help protect the policyholder while they are still alive, but suffering from a serious illness such as cancer or a stroke. By contrast, life insurance only pays out when the policyholder dies, to their surviving family members. It is intended to give a measure of financial protection to the policyholder’s surviving dependants.

So, one of the very first steps to conquering the ‘quality or price?’ conundrum is to ensure you are purchasing the right protection insurance for your needs in the first place. This will help make sure you don’t spend money unnecessarily on ill-suited cover that you might not even need.

Get specific about what your protection insurance needs to include

It can reasonably be ‘taken as read’ that we all want the protection cover we buy to be of a high quality for our specific needs. So, that leaves the question of cost.

Not all the factors that typically drive up the premiums for a protection insurance policy - such as your age, marital status, job, or current health - are ones that you will be able to easily control, or control at all.

However, there are other things that you might be able to exercise a decent amount of control over, and that could help bring down how much your policy ultimately costs.

If, for instance, there is scope for you to reduce your current day-to-day living costs, or if you have savings that you could draw upon in the event of the worst happening, this could enable you to purchase a lower amount of cover than you initially intended. This, in turn, could reduce how much you are required to pay for insurance.

If you’re still struggling to balance quality vs costs considerations when you are looking into protection insurance policies, it can be useful to consider what would happen if the dreaded event occurred and you were uninsured. If, for instance, you became unwell and couldn’t work, would you have any support arrangements in place to help you in the absence of income protection cover?

Your answer to such a question as the above will help you determine what the risks truly are of being uninsured. Those risks might be higher - or for that matter, lower - than you first imagine.

Would you like to receive a bit more help with your search for suitable insurance, and to ensure you only purchase the cover that meets your needs and is available for an acceptable price? If so, you are very welcome to call our free no-obligation advice and quotation line, on 0800 316 6917, now.

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 - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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