Protection

Most homeowners insure their building and contents — far fewer insure the income that pays for both. Critical illness cover provides a lump sum if you’re diagnosed with a specified serious illness; income protection replaces a percentage of your salary if you can’t work due to long-term illness or injury. Together, they’re often the most important — and most overlooked — financial safety net you can put in place.

Policies vary enormously: definitions of qualifying conditions, deferred periods, payment terms, premium guarantees, occupation-class definitions. The cheapest premium is rarely the best policy. We source from across the protection market and explain the trade-offs in plain English.

For self-employed clients especially, income protection is often the single most valuable cover you can hold — far more so than savings, because no realistic level of savings can replace decades of lost income.