ProtectionPersonal protection insurance: a guide to life, illness and income coverUnderstand the roles of life insurance, critical illness cover and income protection when planning financial protection for a household.Read Guide KNOWLEDGE CENTRE
Protection Guides To Help You Protect What Matters Most
Explore practical guides covering Life Insurance, Critical Illness Cover, Income Protection, Family Income Benefit and Mortgage Payment Protection Insurance. Learn how different types of protection work, when they may be suitable and the questions to consider before choosing cover.
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Whether you're protecting your family, your income or your mortgage repayments, browse our protection topics to explore clear, practical guides covering every stage of protecting what matters most. Each topic brings together related articles, helping you understand your options before seeking personalised advice.
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If you're just starting to explore personal protection, these in-depth guides are a useful place to begin. They explain the main types of cover, how they work and the key questions to consider before seeking personalised advice.
ProtectionPersonal protection insurance: a guide to life, illness and income coverUnderstand the roles of life insurance, critical illness cover and income protection when planning financial protection for a household.Read Guide 
Life InsuranceHow much life insurance might I need?Explore how to estimate life insurance needs using debts, income replacement, family costs, existing cover, policy term and affordability.Read Guide 
Income ProtectionIncome protection insurance: how benefits and claims workLearn how income protection insurance works, including benefit levels, deferred periods, claim definitions, policy terms and evidence at claim.Read Guide BROWSE BY SITUATION
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Everyone's protection needs are different. Whether you're looking to protect your family, your income or your mortgage repayments, explore our guides based on what's most important to you.
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Explore our latest guides covering life insurance, critical illness cover, income protection and other ways to help protect your family, income and mortgage repayments.
ProtectionReviewing existing protection after a life or mortgage changeSee when to review existing protection after a mortgage, move, new child, job change, relationship change or shift in income and commitments.Read Guide 
ProtectionLife insurance, critical illness and income protection comparedCompare life insurance, critical illness cover and income protection, including benefit types, claim triggers, policy terms and complementary uses.Read Guide 
ProtectionHow to work out your protection prioritiesLearn how to prioritise protection needs by considering dependants, debts, income, savings, workplace benefits, existing policies and affordability.Read Guide 
ProtectionPersonal protection insurance: a guide to life, illness and income coverUnderstand the roles of life insurance, critical illness cover and income protection when planning financial protection for a household.Read Guide 
MPPIWhen can MPPI be arranged alongside a mortgage?Explore when MPPI can be arranged alongside a mortgage, how timing and eligibility may work and which policy limitations should be checked.Read Guide 
MPPIMPPI exclusions, waiting periods and point-of-claim underwritingUnderstand MPPI exclusions, waiting periods and point-of-claim underwriting, including evidence requirements and reasons a claim may not be paid.Read Guide NEED PROTECTION ADVICE?
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Our guides can help you understand the different types of protection available, but the most appropriate solution will depend on your circumstances, family, mortgage, income and future plans. Speak with one of our advisers for personalised protection advice.
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Your circumstances, existing cover, family, mortgage and future plans are considered before any recommendation is made.
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We’ll explain the differences between Life Insurance, Critical Illness Cover and Income Protection, helping you understand which options may be appropriate for you.
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From your first conversation through to arranging your cover, we’ll explain each stage clearly and keep you informed throughout the process.
The type and level of cover suitable for you will depend on your individual circumstances. Policy terms, conditions and exclusions apply.