Life Insurance & Income Protection Insights
Weekly news, trends and plain-English education on the UK protection market.
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Short, useful updates on UK life insurance and income protection — newest first.
Personal Sick Pay: the cover most self-employed tradespeople have never heard of
Statutory Sick Pay does not apply to the self-employed. For a lot of tradespeople that means the income stops the same day the work does.
Read insight →Income protection is the product more UK workers are finally buying
For years it was the protection product people skipped. In 2026 income protection is quietly having its moment.
Read insight →Own occupation vs work tasks: the cover detail that decides claims
Two policies can look identical on price and benefit, then pay out completely differently. The reason is buried in the definition of incapacity.
Read insight →Consumer Duty and protection: what 'fair value' means for you
The FCA's Consumer Duty has quietly reset the standard the whole industry is measured against. Here is the customer's-eye view.
Read insight →The UK protection gap: why millions are still underinsured in 2026
Britain is chronically underinsured against death and long-term illness. The gap is narrowing — slowly — but it is still very real.
Read insight →Executive income protection and Relevant Life: smarter cover for company directors
Directors optimise everything else for tax, then often buy protection that ignores how they actually pay themselves. That is finally changing.
Read insight →Mental health and protection claims: how cover has changed
Mental health is no longer a footnote in protection — it is one of the most common reasons people claim on income protection.
Read insight →Cost of living: how to keep protection without cancelling it
When money is tight, protection is an easy thing to cancel — and often the worst thing to lose. There are usually better options than dropping it.
Read insight →The self-employed sick-pay gap and the rise of Personal Sick Pay
Roughly one in seven UK workers is self-employed, and none of them get sick pay. That gap is driving a quiet shift in how cover is bought.
Read insight →Putting life insurance in trust: faster payouts and IHT efficiency
It is free, it is quick, and it is one of the most overlooked steps in setting up life insurance: writing the policy in trust.
Read insight →AI and digital underwriting: faster, fairer protection decisions
Getting covered used to mean weeks of forms and medicals. In 2026, a growing share of applications get a decision in minutes.
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