6 min read
Beginner's GuideWhat Is Life Insurance? a plain-English Guide
How it works, the main types of cover, and who actually needs it, without the jargon.
Read guide →Knowledge Hub
Plain-English guides, real client scenarios and answers to the questions people ask us most.
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Browse by Cover
Browse by Situation
Health Conditions
Understand how insurers assess your medical history.
Mental Health
See how anxiety and mental health are underwritten.
Previously Declined
Find out why one decline is not the final answer.
Self-Employed
Protect an income without employer sick pay.
Business Owners
Protect the people and commitments your company relies on.
Buying a Home
Match life cover to your mortgage and circumstances.
Starting a Family
Plan protection around the people who rely on you.
Over 50s
Explore later-life protection and guaranteed acceptance.
Guides
6 min read
Calculator GuideHow Much Life Insurance Do I Need?
A practical framework for working out the right cover amount for your circumstances.
Read guide →5 min read
ComparisonTerm vs Whole of Life Insurance
Two very different products that serve different purposes, here's how to choose.
Read guide →6 min read
Life EventBuying a Home? Mortgage Protection Explained
What you actually need, level vs decreasing term, and whether to add critical illness.
Read guide →5 min read
Life EventGetting Married or Having a Child?
The protection you and/or your family should be thinking about at major life events.
Read guide →6 min read
Life EventStarting a Business or Going Self-Employed?
The protection gaps most people miss when they leave employment, and how to plug them.
Read guide →7 min read
Critical IllnessWhat Critical Illness Cover Actually Pays Out For
Critical illness cover explained, what conditions are included, what isn't, full vs additional payments, and how to compare policies properly.
Read guide →8 min read
Critical IllnessDCIS and Critical Illness Cover
How additional payments for DCIS and early-stage breast cancer work, what older policies may cover, and what to check if you've been diagnosed.
Read guide →7 min read
Business ProtectionProtecting Your Business If the Worst Happens
Business protection explained, key person cover, shareholder protection, relevant life and loan protection. What every business owner should consider.
Read guide →6 min read
Medical HistoryLife Insurance with a Pre-Existing Condition
A medical history doesn't automatically mean a decline or high premiums. Here's how specialist underwriting works and how to get cover with a condition such as diabetes.
Read guide →8 min read
Mental HealthLife Insurance and Mental Health: Can You Still Get Cover?
What insurers look at for depression, anxiety and other mental health histories, and how a specialist helps.
Read guide →5 min read
Mental HealthCan You Get Life Insurance with Anxiety?
What insurers assess and what's genuinely possible, including after an online decline.
Read guide →6 min read
Previous DeclineBeen Declined for Life Insurance?
Why declines happen, what they mean, and how a specialist adviser can help.
Read guide →6 min read
Self-EmployedIncome Protection for Self-Employed People
How cover works when you have no employer sick pay and your income varies.
Read guide →Client and Example Scenarios
All case studies →Mental Health
Details changed for confidentiality
Declined Twice Online, Accepted at Standard Rates
History of anxiety and antidepressants triggered automatic online declines.
Read the case study →Self-Employed
Details changed for confidentiality
No Sick Pay, No Safety Net, Until Now
A sole trader with variable income assumed income protection wasn't available or affordable.
Read the case study →Business Protection
Example scenario, not a real client
What Would Happen to the Business If a Key Person Couldn't Work?
A two-director limited company had no protection in place for either director. A serious illness would have left the business unable to operate.
Read the case study →Hazardous Occupations
Details changed for confidentiality
High-Risk Job, Still Got Full Cover
A client working in a hazardous occupation had been told by a comparison site that cover wasn't available at standard rates.
Read the case study →High BMI
Details changed for confidentiality
Told Premiums Would Be Unaffordable, They Weren't
A client with a high BMI had received quotes through a comparison site that felt prohibitively expensive.
Read the case study →Diabetes
Details changed for confidentiality
Type 2 Diabetes, Cover Secured with Clear Terms
A client with Type 2 diabetes was unsure whether life insurance was available and worried about being declined if they applied.
Read the case study →Cancer History
Details changed for confidentiality
In Remission, and Now Fully Covered
A client who had completed cancer treatment several years earlier assumed life insurance was no longer accessible to them.
Read the case study →Hazardous Occupations
Details changed for confidentiality
Extreme Sports as a Hobby, Cover Still Arranged
A client who participated in a hazardous sport as a regular hobby had been quoted extremely high premiums or faced exclusions related to the activity.
Read the case study →Mental Health
Details changed for confidentiality
ADHD Diagnosis, Standard Rates Achieved
A client with an ADHD diagnosis was concerned that it would significantly affect their ability to get life insurance or result in a mental health exclusion.
Read the case study →Questions People Ask Us
Can I get life insurance if I've previously been declined?+
Being declined by one insurer, particularly through an online comparison site, does not mean you are uninsurable. A specialist adviser can review your full picture and approach insurers who are more likely to offer cover.
Will insurers contact my GP?+
Sometimes, but not always. For larger amounts of cover or more complex medical histories, the insurer may request a GP report, always with your written consent.
Can self-employed people get income protection?+
Yes, and it's arguably more important for self-employed people, because there is no employer sick pay to fall back on. Variable income is not a barrier to getting cover.
What happens when I make a claim?+
You or your representatives contact the insurer, or us, and we'll help. We support clients through the claims process at no extra cost.
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