Insurance

When you’re self-employed, your income depends entirely on your ability to work. If illness or injury stops you, the financial impact can be immediate. That’s why income protection insurance is such an important safety net — it replaces part of your income if you can’t work due to health problems or accidents. This guide explains […]

Many people worry that having a medical condition will prevent them from getting life insurance. In reality, while pre-existing conditions can affect the cost or terms of a policy, it doesn’t always mean you’ll be declined. Insurers assess each case individually, and there are often more options than people expect.

This guide looks at what counts

For many people, income protection is one of those “nice to have” policies that often gets pushed to the bottom of the priority list. But what happens if illness or injury stops you from working for several months — or longer? Without income protection, the financial and emotional consequences can be far greater than most

For couples in the UK, securing life insurance is a fundamental step in comprehensive financial planning. It provides peace of mind, knowing that your loved ones will be financially supported should the unthinkable happen. However, a common dilemma arises when choosing cover: should you opt for a single policy each, or a joint policy? This

Income Protection insurance provides a vital financial safety net, ensuring you receive a regular income if you’re unable to work due to illness or injury.  While the core benefit – replacing a portion of your income – is clear, one of the significant decisions when setting up a policy is selecting the ‘waiting period’ (also

Securing a mortgage is a significant financial commitment, often spanning decades. However, life’s uncertainties can pose a threat to your ability to maintain mortgage repayments. Critical illness cover, therefore, provides a safety net, offering financial protection should you be diagnosed with a serious illness. This article explores how critical illness cover interacts with mortgages in

Taking the First Step: Building Your Family’s Insurance Safety Net Creating a comprehensive insurance plan for your family is the first step towards lasting financial protection. In today’s uncertain world, having a robust insurance plan is no longer a luxury but a necessity. For families in York and across the UK, navigating the complexities of

Navigating the world of financial protection can feel like traversing a complex maze. Two key products often come up in discussions about safeguarding your finances: Critical Illness Cover and Income Protection. While both offer vital support, they function differently and cater to distinct needs. Understanding the nuances of each is crucial for making informed decisions