Guides

A plain explanation of term cover, premiums, payouts and what happens when the term ends.

What insurers check, how to prepare and what happens if you do not want an exam.

The steps, documents and timing a family should expect when claiming on a policy.

A plain method for putting a number on cover, with a worked example.

How the two policy types differ in cost, purpose and flexibility.

Why delaying can raise your premium and what it can put at risk.

Why unpaid work still has a replacement cost and how to size cover.

How to name primary and contingent beneficiaries correctly.

What a fixed payout may buy in twenty years.

The gaps in group cover and how to check yours.