Most people assume sick pay will cover them. For the first few weeks, it usually does. After that, the gap between what most employers pay and what a family actually needs can be significant — and for the self-employed, there is no gap. There is just nothing. This guide explains what income protection is, how…

Take two identical 40-year-olds. Same health, same £500,000 of life cover. One pays around £25 a month. The other pays around £150. (premiums verified June 2026 — see comparison table above) The difference is not the insurer. It is the type of policy. And for most people reading this, the answer to which type is…

Most people choose a life insurance provider the way they choose a broadband deal — find the cheapest, tick a box, move on. That approach works fine for broadband. For life insurance, it misses the question that actually matters: when your family makes a claim, will the policy pay out? The answer, for most reputable…

Life insurance pays your family a lump sum if you die. Here’s how it works, what it costs, and the one optimisation most people miss.