Protection Learning Hub
Understand the risks. Protect what matters.
Straightforward guides to life insurance, critical illness cover and income protection — helping you understand what each type of protection does before deciding what your household may need.
9 protection guides
Choose the question you want answered.
You do not need to understand every protection product before getting started. Use the sections below to move from the basics to the decisions that affect the amount, structure and ownership of cover.
What does each type of protection actually do?
Start here if you are trying to understand the difference between protecting against death, serious illness and losing your income through incapacity.
What Is Life Insurance?
How life cover works, common policy types and the financial risks it can protect.
Read guide →What Is Critical Illness Cover?
How qualifying serious illnesses, policy definitions and lump-sum benefits work.
Read guide →What Is Income Protection?
Protecting part of your earnings if illness or injury prevents you from working.
Read guide →How much cover — and how should it be structured?
Move beyond the product name and consider the actual financial gap your household would face.
How Much Life Insurance Do I Need?
Work from debts, lost income, dependants and existing resources rather than a simple salary multiple.
Read guide →Single or Joint Life Insurance?
Compare two separate policies with joint first-death cover and what remains after a claim.
Read guide →Life Insurance vs Critical Illness Cover
Understand the different claim triggers and why a household may consider one or both.
Read guide →Match protection to the commitments people rely on you to meet.
Mortgage debt and regular family spending create different needs: one may call for capital, while the other may require continuing income.
Life Insurance for a Mortgage
Repayment and interest-only mortgages, decreasing and level cover, and wider family needs.
Read guide →What Is Family Income Benefit?
How regular benefits can replace family income instead of providing one large lump sum.
Read guide →Should Life Insurance Be Written in Trust?
Trustees, beneficiaries, probate and why legal and tax consequences need to be considered carefully.
Read guide →Related learning hubs
Protection is only one part of the financial picture.
Personal protection advice
Not sure what your household actually needs?
We can review your mortgage, income, dependants, savings and existing workplace benefits, then identify the financial risks that need protecting.
Book a conversationThese guides provide general information only and are not personal protection, legal, tax or financial advice. Policy definitions, exclusions, premiums, underwriting and benefits vary between insurers. Where trusts or tax planning are involved, specialist legal or tax advice may also be required.