Straight answers to the questions I get asked most.

General

Do I need life insurance if I don't have a mortgage?

Life insurance replaces your income, not your mortgage. If someone relies on what you earn, you may still need cover if you rent or own outright.

17 August 2026 · 6 min read

First-time buyers

Mortgage life insurance vs life insurance: what's the difference?

There's no separate UK product called mortgage life insurance. It's ordinary life insurance sized around a mortgage, and different again to MPPI.

17 August 2026 · 6 min read

General

How much life insurance do I actually need?

Add your mortgage, debts and years of income to replace, then subtract savings and existing cover. What's left is roughly what you need to insure.

28 July 2026 · 6 min read

First-time buyers

Do I actually need life insurance for my mortgage?

No, it's not a legal requirement. But if someone depends on you to keep paying the mortgage, life insurance closes a real financial gap if you die.

28 July 2026 · 6 min read

Young families

Life insurance vs family income benefit: which is right for a young family?

Life insurance pays a lump sum; family income benefit pays a monthly income for the rest of the term. Here's which suits a young family better.

28 July 2026 · 6 min read

Self-employed

No sick pay? Here's what happens if you can't work

Statutory Sick Pay doesn't apply if you're self-employed. Income protection can replace part of your income if illness or injury stops you working.

28 July 2026 · 6 min read

Business owners

Relevant life cover: why your company should pay for it

Relevant life cover lets your company pay for your life insurance instead of you, often more efficiently than a personal policy from taxed income.

28 July 2026 · 6 min read

General

What critical illness cover actually pays out for

Critical illness cover pays a lump sum if you're diagnosed with a listed serious illness and survive the policy's set survival period afterwards.

28 July 2026 · 6 min read