https://lifeinsuranceforme.co.uk/insights Life insurance, income protection and critical illness cover explained for UK professions — from a whole-of-market specialist broker. en-GB Sat, 05 Sep 2026 09:00:00 +0100 https://lifeinsuranceforme.co.uk/insights-diabetes-life-insurance-uk https://lifeinsuranceforme.co.uk/insights-diabetes-life-insurance-uk Sat, 05 Sep 2026 09:00:00 +0100 Life insurance with type 1 or type 2 diabetes in the UK: what underwriters ask, what affects the premium, and why a decline from one insurer is not the market's answer. https://lifeinsuranceforme.co.uk/insights-personal-sick-pay-explained https://lifeinsuranceforme.co.uk/insights-personal-sick-pay-explained Mon, 03 Aug 2026 09:00:00 +0100 Personal Sick Pay is income protection with waiting periods from day one, built for self-employed UK workers who get no sick pay at all. Here is how it works. https://lifeinsuranceforme.co.uk/insights-income-protection-uptake-2026 https://lifeinsuranceforme.co.uk/insights-income-protection-uptake-2026 Fri, 19 Jun 2026 09:00:00 +0100 Why income protection has become one of the UK's fastest-growing protection products in 2026 — and what is driving demand among the self-employed and professionals. https://lifeinsuranceforme.co.uk/insights-own-occupation-vs-work-tasks https://lifeinsuranceforme.co.uk/insights-own-occupation-vs-work-tasks Fri, 05 Jun 2026 09:00:00 +0100 The difference between 'own occupation' and 'work tasks' definitions is one of the most important — and least understood — features of UK protection cover. https://lifeinsuranceforme.co.uk/insights-consumer-duty-protection-fair-value https://lifeinsuranceforme.co.uk/insights-consumer-duty-protection-fair-value Fri, 22 May 2026 09:00:00 +0100 How the FCA's Consumer Duty is shaping life insurance and income protection in 2026 — and what 'fair value' and 'good outcomes' mean for customers. https://lifeinsuranceforme.co.uk/insights-uk-protection-gap-2026 https://lifeinsuranceforme.co.uk/insights-uk-protection-gap-2026 Fri, 01 May 2026 09:00:00 +0100 The protection gap remains one of the biggest issues in UK financial wellbeing. Here is why so many households are underinsured and how the gap is closing. https://lifeinsuranceforme.co.uk/insights-executive-income-protection-directors https://lifeinsuranceforme.co.uk/insights-executive-income-protection-directors Fri, 17 Apr 2026 09:00:00 +0100 Why more UK company directors are using Executive Income Protection and Relevant Life cover in 2026 to protect income and family tax-efficiently. https://lifeinsuranceforme.co.uk/insights-mental-health-protection-claims https://lifeinsuranceforme.co.uk/insights-mental-health-protection-claims Fri, 27 Mar 2026 09:00:00 +0100 Mental health is now one of the leading causes of income protection claims in the UK. Here is how cover and attitudes have evolved. https://lifeinsuranceforme.co.uk/insights-cost-of-living-keeping-protection https://lifeinsuranceforme.co.uk/insights-cost-of-living-keeping-protection Fri, 13 Mar 2026 09:00:00 +0100 When budgets are tight, protection is often first to be cut. Here are sensible ways to keep cover affordable in 2026 rather than dropping it. https://lifeinsuranceforme.co.uk/insights-self-employed-sick-pay-gap https://lifeinsuranceforme.co.uk/insights-self-employed-sick-pay-gap Fri, 27 Feb 2026 09:00:00 +0100 Self-employed workers get no sick pay. Personal Sick Pay and short-deferred income protection are closing that gap in 2026. https://lifeinsuranceforme.co.uk/insights-life-insurance-in-trust https://lifeinsuranceforme.co.uk/insights-life-insurance-in-trust Fri, 06 Feb 2026 09:00:00 +0100 Writing life insurance in trust can speed up payouts and keep the proceeds outside your estate for inheritance tax. Here is the plain-English version. https://lifeinsuranceforme.co.uk/insights-ai-digital-underwriting-2026 https://lifeinsuranceforme.co.uk/insights-ai-digital-underwriting-2026 Fri, 16 Jan 2026 09:00:00 +0100 How AI and digital underwriting are speeding up life insurance and income protection decisions in 2026 — and where human judgement still matters.