Life insurance provides financial protection for your loved ones if you pass away. It can help cover the mortgage or rent, household bills, childcare, and everyday living expenses, ensuring your family can maintain their lifestyle during an incredibly difficult time. It’s a simple way to make sure those who depend on you are financially secure no matter what happens.

Critical illness cover pays out a tax-free lump sum if you are diagnosed with a serious condition such as cancer, heart attack, or stroke. This financial support can be used for anything you need — from covering bills and mortgage payments to funding private treatment or taking time off to recover without money worries.

Income protection replaces a portion of your monthly income if you’re unable to work due to illness or injury. Instead of worrying about how to pay your bills while you recover, this cover ensures you can continue meeting your financial commitments and maintain stability at home until you’re well enough to return to work.

Private medical insurance gives you faster access to diagnosis, specialists, and treatment in private hospitals, helping you avoid long NHS waiting times. It offers greater choice, comfort, and peace of mind when it comes to your health, so you can get the care you need, when you need it. If you are a business owner this can also be taken and paid for through your business.

Accident and sports cover is a type of insurance that pays out if you’re injured as a result of an accident, whether that happens at home, at work or while taking part in sport. It can provide lump sum payments for things like broken bones, hospital stays or more serious injuries, and some policies can be extended to include higher-risk or contact sports that standard cover might exclude. It’s different from income protection or critical illness cover, as it focuses specifically on accidental injury rather than illness, and it can be a useful extra layer of protection for self-employed people, active individuals or families who would struggle financially if an injury stopped them working.

Global treatment cover is an optional add-on to protection policies that gives you access to medical treatment outside of the UK if you’re diagnosed with a serious illness. Instead of being limited to care available locally, it can cover the cost of travelling abroad for specialist consultations, surgery or advanced treatments that may not be widely available on the NHS, often including travel and accommodation for you and sometimes a companion. It doesn’t replace private medical insurance, but it can provide an extra layer of reassurance by giving you more choice and faster access to leading specialists worldwide at what could be one of the most critical times in your life.

Becoming a parent changes everything — especially how you think about protection.

Children’s critical illness cover is an optional add-on to a parent’s life or critical illness policy. It provides a lump sum payment if your child is diagnosed with a specified serious illness covered under the policy. The money can be used however you need it — whether that’s taking time away from work, travelling for treatment, paying for additional support, or simply easing financial pressure so you can focus entirely on your child.

Pregnancy-related cover refers to protection within certain policies that includes specified pregnancy complications and, depending on the insurer, particular congenital conditions diagnosed during pregnancy or shortly after birth. The level of cover and definitions vary between providers.

This type of cover isn’t about expecting something to go wrong — it’s about having reassurance in place. It’s there to provide financial support at what would be an incredibly emotional and overwhelming time, allowing you to prioritise what matters most: your family.