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

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

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Income Protection Insurance

This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability. For most policies, these payments can last to retirement age if necessary, and multiple claims can be made provided premiums continue to be paid. Read more

Income Protection Insurance pays out a sum of money every month in the event that you are unable to work due to sickness or injury. The money can be used to cover your regular expenditure like mortgage payments, household bills and other living expenses.

Premiums are paid monthly and the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.

The Premiums are affected by various factors including the monthly sum insured, salary, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

A good way to reduce the cost of the premiums is to defer when the policy pays out after a claim is registered. It is worth considering whether your employer offers any sickness benefits or whether you have any savings to extend the deferment period.

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Combined Life and Income Protection Insurance

This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability, and a tax-free lump-sum payment in the event of death during the fixed term of the policy. Read more

Life and Income Protection Insurance protects families from financial hardship by paying out a sum of money every month in the event that the policyholder is unable to work due to sickness or injury as well as a one-off lump-sum if the policyholder dies during the term of the policy.

The money can be used to settle monthly household bills, or with a lump-sum payment, pay off an outstanding mortgage, or other debts.

Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life insurance cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.

For Income Protection Insurance, the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.

The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

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Critical Illness Cover

This provides a one-off tax-free lump-sum payment in the event of a serious illness like cancer or permanent disability caused by injury during the fixed term of the policy. Read more

Critical Illness Cover protects families from financial hardship by paying out a one-off lump-sum if the policyholder suffers a serious illness like cancer or a stroke, or a permanent disability caused by injury during the term of the policy. The money can be used to pay for medical treatment or rehabilitation or pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.

Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of Critical Illness Cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.

The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than others.

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Income Protection Insurance & Critical Illness Cover

This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability, and a tax-free lump-sum payment in the event of a serious illness like cancer or permanent disability caused by injury. Read more

Critical Illness and Income Protection Insurance protects families from financial hardship by paying out a sum of money every month in the event that the policyholder is unable to work due to sickness or injury as well as providing a one-off lump-sum if the policyholder is diagnosed with a serious illness, or suffers a disability due to injury during the term of the policy.

The money can be used to settle monthly household bills, or with a lump-sum payment, pay off an outstanding mortgage, or other debts.

Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life insurance cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.

For Income Protection Insurance, the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.

The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

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Can’t decide?

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The telephone service is provided in partnership with BL Protection a trading style of Tuto Money Ltd, authorised and regulated by the Financial Conduct Authority under FCA number 492514. The quotation service is provided by an FCA-authorised insurance specialist

Now’s the time to protect your loved ones...

A British Life Company

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 great 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.

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

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