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Guides, written the way we’d explain it on the phone

Plain-English guides to the questions we get asked most, written the way we would explain them on the phone.

Guide

How much life insurance do I actually need?

The calculation, worked through with a real family and real numbers.
Guide

Level or decreasing? Explained with a mortgage.

Two tables that show what your cover is actually worth in year 15, and the change that catches people out.
Guide

Is death in service enough?

The average UK payout was £143,436 last year. Here is what that clears, and the day the cover ends.
Guide

Life insurance when you’re self-employed

No sick pay, no employer top-up. What twelve weeks off actually costs, and how insurers treat an income that moves around.
Guide

Can I get life insurance with a health condition?

What a loading, an exclusion and a postponement actually mean, and why two insurers disagree about the same person.
Guide

Life insurance not in trust? What it costs your family

Two separate clocks run on a claim. Only one of them is the insurer, and a trust only removes the other.

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