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Articles and Guides.

Stay informed with the latest updates in the insurance industry for 2026 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Understanding Inheritance Tax (IHT) and Life Insurance

Inheritance Tax (IHT) is a tax levied on the transfer of wealth after someone passes away. It applies to the total value of an individual’s estate, which includes all their money, property, and possessions. Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that

Is Over 50s Life Insurance Worth It?

Over 50s life cover works slightly differently from regular life insurance. The main criteria are that you must be aged between 50 and 85 to qualify. Cover is available up to the amount of £40,0000; this is to cover funeral costs and to provide a lump sum to your family. Many over-50s

Can You Take Money Out of Whole Life Insurance

Whole of Life (WOL) insurance policies are a popular choice for people looking to ensure a guaranteed payout to their loved ones upon their death. But one of the most common questions surrounding these policies is: “can you access the funds during your lifetime?” Here’s everything you need to know as a

How Much Is Private Medical Insurance?

Private Medical Insurance (PMI) is designed to provide faster access to medical investigations, specialist consultations, and treatments for non-emergency conditions that may face long waiting times on the NHS. While not a replacement for NHS services, PMI is invaluable for those seeking quicker, more efficient care, especially for conditions that may not

Do I Need Business Insurance?

As a business owner or manager, protecting your company against unexpected risks is essential. While general business insurance covers property and liability, certain types of insurance are specifically designed to secure the financial stability and continuity of your business. We’ll explore the types of business insurance: Keyperson Insurance, Relevant Life Cover, Shareholder

Do I Need Income Protection Insurance?

Income protection insurance is a policy designed to replace your income if you’re unable to work due to illness or injury. This could cover anything from minor issues like the flu to serious conditions like cancer. This type of insurance is different from critical illness cover, which pays a lump sum upon