Life And Pet Insurance Uk

UK Relevant Life Policy: Tax-Efficient Director Cover

Relevant life policies provide tax-efficient life cover for directors and employees of small companies. The premiums are paid by the company, treated as a business expense, and the payout is typically free of income tax and inheritance tax.

16 Jun 2026 · 10 min read

UK Pet Insurance Types: Lifetime, Annual, Accident

The main UK pet insurance types: lifetime, maximum benefit, annual, and accident-only. Each treats ongoing conditions differently and the choice affects long-term cost for pets that develop chronic conditions.

16 Jun 2026 · 10 min read

UK Mortgage Protection Insurance Explained

Mortgage protection insurance covers the mortgage payment or balance if the borrower cannot pay due to death, critical illness, or inability to work. The article compares the main forms: decreasing-term life, MPPI, and income protection sized to the mortgage.

16 Jun 2026 · 9 min read

UK Life Insurance with Pre-Existing Conditions

Routes to UK life insurance with pre-existing medical conditions: standard underwriting, rated premiums, exclusions, and the specialist insurers that focus on non-standard cases.

16 Jun 2026 · 9 min read

UK Life Insurance Types: Term, Whole-of-Life, Decreasing

The main UK life insurance product types: level term, decreasing term, increasing term, family income benefit, and whole-of-life. Covers when each fits the typical household need.

16 Jun 2026 · 10 min read

UK Life Insurance in Trust: IHT Benefit Explained

How and why to write a UK life insurance policy in trust: the inheritance tax benefit, the speed of payout, the trust types commonly used, and the practical steps to set up a policy in trust.

16 Jun 2026 · 9 min read

UK Life and Protection Insurance: The Complete Guide

A complete guide to UK protection insurance: life cover, critical illness, income protection, and the supporting policies (mortgage protection, family income benefit, relevant life). The article explains who needs each and how to size cover.

16 Jun 2026 · 12 min read

UK Income Protection vs Critical Illness Compared

Income protection and critical illness cover compared: what each pays out for, how the cover structures differ, and how to decide which to prioritise for a given household.

16 Jun 2026 · 9 min read

UK Family Income Benefit Explained

Family income benefit (FIB) pays a regular monthly income for the remainder of a defined term on the insured's death, rather than a lump sum. This article covers how FIB works and where it fits in a protection plan.

16 Jun 2026 · 9 min read

UK Critical Illness Cover Explained

How critical illness cover works in the UK: the list of covered conditions, the difference between full payout and partial payment conditions, and the exclusions to check before buying.

16 Jun 2026 · 9 min read