Cover Basics & Money Insights
Plain-English explainers: definitions, trusts, over 50s plans and keeping cover affordable.
5 articles in Cover Basics & Money
Life Insurance for the Over 50s in the UK: Which Type Is Actually Right for You?
The life insurance market looks different at 55 than it does at 35. The options are still real and accessible — but getting the right type for your needs requires understanding some important distinctions that television advertising doesn't always make clear.
Read →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 →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 →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 →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.
Updated 6 October 2026Read →