Protect the people who
depend on you.
Your income pays the mortgage, feeds the family and keeps everyday life running. Life insurance, critical illness cover and income protection exist for one reason — to make sure it all carries on if the worst happens.
Most households protect their car and their phone — but not their income.
Few of us like thinking about illness or death. But serious illness and long-term absence from work are far more common than most people expect, and the financial impact on a family can last for years. The right protection turns a life-changing event into something your finances can survive.
is almost certainly your biggest financial asset. Over a working lifetime it can be worth well over a million pounds — yet it is the asset households most often leave uninsured.
is capped at £123.25 a week — and paid for a maximum of 28 weeks. For most families that would not come close to covering the mortgage or rent, let alone the bills.
can happen at any age. Conditions such as cancer, heart attack and stroke affect people of working age every day — and recovery often means months away from work.
Three questions every household should be able to answer.
Each type of protection answers a different "what if". Ask yourself these three questions honestly — if any answer worries you, that is the cover to talk about first.
Life insurance pays a cash lump sum (or a regular income) to your loved ones if you die during the policy term. It is most often used to clear the mortgage, replace lost income and cover the cost of raising children — so grief is never compounded by financial crisis.
Critical illness cover pays a tax-free lump sum if you are diagnosed with one of the serious conditions specified in the policy. The money is yours to use as you need — paying down the mortgage, funding recovery time, adapting your home, or simply taking the pressure off while you focus on getting better.
Income protection pays you a regular monthly income if you cannot work due to illness or injury, typically a percentage of your earnings, until you return to work, retire, or the policy term ends. For the self-employed — who get no sick pay at all — it is often the single most important policy of the three.
Understand your options before you buy.
Life Insurance
- Lump sum or family income benefit if you die within the term
- Level, decreasing (mortgage) or increasing cover available
- Can be written in trust so the payout avoids delays
- Joint or single life policies for couples
Critical Illness Cover
- Tax-free lump sum on diagnosis of a specified serious illness
- Covers conditions such as cancer, heart attack and stroke*
- Children's cover often included at no extra cost
- Can be combined with life insurance in one policy
Income Protection
- Regular monthly income if illness or injury stops you working
- Short-term or full-term options to suit your budget
- Essential for the self-employed and contractors
- Deferred periods tailored around any sick pay you receive
*The conditions covered, and the definitions that must be met, vary between insurers and policies. As with all insurance policies, terms, conditions and exclusions apply.
Straightforward, personal, and no pressure.
Tell us about your situation
Complete the short enquiry form or request a callback. Just a few details — your circumstances, who depends on you, and what you'd like to protect.
Speak with the adviser
A qualified and experienced protection adviser will call at a time that suits you, explain your options in plain English, and research the market for cover that genuinely fits your needs and budget.
Get protected
If you decide to go ahead, the adviser handles the application with the insurer from start to finish — and reviews trust arrangements so any payout reaches the right hands quickly.
Advice from a qualified and experienced protection adviser.
Enquiries through this website are handled personally by a UK protection specialist with over twenty years' experience in financial services — not a call centre, and never a hard sell.
- Fully qualified adviser specialising in life insurance, critical illness cover and income protection
- Advice provided through a firm authorised and regulated by the Financial Conduct Authority
- Access to leading UK insurers, so recommendations are based on what suits you — not one provider's products
- Clear, jargon-free explanations and honest guidance, even if that means recommending you keep cover you already have
Frequently asked questions
How much does life insurance cost?
Premiums depend on your age, health, smoker status, the amount of cover and the policy term. Many people are surprised at how affordable cover can be — particularly if arranged while you are younger and healthier. The adviser will research options across the market to find cover that fits your budget.
Do I need protection if I get sick pay or benefits through work?
Employer sick pay is a great starting point, but it usually reduces or stops after a set period, and death-in-service benefits end if you change jobs. It's worth reviewing exactly what your employer provides and building personal cover around any gaps — which is exactly what the adviser will help you do.
I'm self-employed. Which cover matters most?
For most self-employed people, income protection is the priority — there is no employer sick pay to fall back on, and even Statutory Sick Pay is not available. Life insurance and critical illness cover then protect your family and any business or personal borrowing.
What's the difference between critical illness cover and income protection?
Critical illness cover pays a one-off lump sum if you are diagnosed with a specified serious condition. Income protection pays a regular monthly income for any illness or injury that stops you working — not just listed conditions. Many households benefit from a combination of both.
Will I need a medical?
Most applications are accepted based on the answers you give on the application form. Depending on your age, the amount of cover and your medical history, an insurer may request a GP report or a routine medical screening — the adviser will let you know what to expect before you apply.
Is the initial conversation really free?
Yes. Your enquiry and initial conversation are completely free and carry no obligation. If advice is provided and you take out a policy, the adviser is typically paid commission by the insurer, which is explained to you clearly before you proceed.
Request your free, no-obligation callback.
Fill in the short form and a qualified and experienced protection adviser will be in touch at a time that suits you. Prefer to get in touch directly?
Phone: 07543 169733
Email: hello@lifecoverdeals.co.uk
Your details are used solely to respond to your enquiry and are never sold or shared for marketing.