Life Insurance & Income Protection Insights
Practical, plain-English articles on getting the right cover — organised by topic so you can go straight to what affects you.
All articles — page 2 of 3
Mortgage Protection Life Insurance UK: What It Is, What It Costs, and What to Watch Out For
If you've recently taken out a mortgage, life insurance is probably on your to-do list. Your lender may have mentioned it. Either way, the decision deserves more than five minutes — because the product you end up with, and who you buy it from, can make a significant difference to both cost and quality of cover.
Read →What's Changed in UK Life Insurance in 2026: A Plain-English Update
The UK life insurance market doesn't change dramatically from year to year — but 2026 has brought several developments worth understanding, whether you already have cover or you're looking to arrange protection for the first time.
Read →Diabetes and life insurance: what UK insurers actually ask
A diabetes diagnosis does not close the door on life insurance. It changes which door you should be knocking on.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →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.
Updated 6 October 2026Read →