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Since 2006 we have helped 339,595 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 339,595 people compare Protection Insurance quotes.
We would love to do the same for you...

Will your protection insurance policy actually pay out when you need it to do so?

Even speaking as people whose business is protection insurance, we will admit that the industry hasn’t always had a great reputation for its willingness to pay out in response to claims. But is that reputation founded in any reality, or do the doubters have a point?

Workers are often cynical about the chances of insurance paying out

Let’s start with the perceptions, and there are some alarming figures out there. One survey undertaken by an insurance company in 2015, for instance, quizzed 2,000 workers on what percentage of Life Insurance claims they believed actually resulted in a successful payout.

The response? People guessed, on average, that a successful payout occurred about 50% of the time. In other words, the general belief was that for every successful life insurance claim, another claim was refused by the insurer.

With that being the perception, we can hardly blame some people for deciding not to purchase life insurance or a similar protection product. After all, what’s the point of buying something that has a 50% chance of not working at the very moment you need it?

But are these negative beliefs about protection insurance well-founded?

As powerful and widespread as the above perception of low payout rates is, it’s really important to underline that it isn’t backed up by the evidence.

In fact, the Association of British Insurers (ABI) revealed last May that in 2020, 98% of all claims arising from protection insurance - defined for these purposes as critical illness cover, life insurance, total permanent disability insurance, whole of life insurance, and income protection insurance - were paid out. This figure was virtually identical to the one for 2019.

And what caused those 2% of refusals? The two main reasons, according to the ABI’s Charlie Campbell, were the non-disclosure of relevant medical information, and the given condition not being covered by the insurance. So, we would urge you to be particularly vigilant about these aspects if you are interested in taking out a protection insurance policy in 2022.

Allow us to point you in the right direction for your own needs

Whether it’s life insurance, critical illness cover, mortgage protection, or another protection insurance product that you would like to buy this year, you will almost certainly appreciate advice and guidance from informed and well-placed people.

By that, we mean people who are committed to finding you the best solution for your needs, instead of the pushy salespeople who also do little or nothing for the insurance industry’s reputation.

Call 0800 316 6917 today, and we will make a UK adviser available to guide you through your options. We provide a completely free quotation service, with no obligation for you to buy.

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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