Life insurance & protection,kept simple.
Help protect your family’s finances, your home and your income. Get cover options from leading UK insurers, with an adviser to explain what fits.
Different cover. Different jobs.
Start with what you want the policy to do. Your adviser can help you choose the cover, or combination of cover, that suits your needs and budget.
Life insurance
Money for the people you leave behindPays a lump sum or regular payments if you die while covered. It can help your loved ones with the mortgage, childcare and everyday living costs.
Critical illness cover
Financial support after a serious diagnosisPays a lump sum if you’re diagnosed with a condition that meets the policy’s definition. Use it to help with bills, recovery costs or changes to your home.
Income protection
A monthly income while you recoverReplaces part of your earnings if illness or injury stops you working. Payments start after an agreed waiting period and can help with regular household bills.
Eligibility, exclusions and claim conditions vary between insurers. Your adviser will explain what is and isn’t covered, as well as the cost, before you decide.
Cover for the life you’ve built.
The right starting point is what matters to you. That could be keeping the family home, supporting your children or having an income to fall back on.
You don’t have to work it out alone.Your adviser looks at your existing policies, work benefits and budget, then explains the options and any gaps in cover.
Help keep the family home
A life insurance payout can help loved ones repay a mortgage. Other types of cover can help with housing costs during a covered illness or injury.
Support everyday family life
Childcare, groceries and household bills all add up. Discuss cover that takes those ongoing costs into account, not only your mortgage balance.
Give your income a backup
If you’re self-employed or have limited sick pay, income protection can replace part of your earnings after the policy’s waiting period.
Start online. Get expert help.
- 1
Tell us what you need
Start with a few details about you and what you’d like to protect. You don’t need to know which policy to choose.
- 2
Get your options explained
Your adviser compares cover from leading UK insurers and talks you through the benefits, costs and exclusions.
- 3
Put your cover in place
If you choose to go ahead, your adviser helps with the application and insurer’s questions. You’ll know when your cover starts.
Getting a quote is free and doesn’t commit you to a policy. Any cover offered is subject to the insurer’s checks and terms.
Getting covered, in their words.
Cover sorted.
Money saved.
“Sorting out my life insurance and income protection was made so easy. Josh was incredibly helpful and made everything simple. He even saved me money while getting me much better cover!”
“Rob was fantastic in sorting out our multiple insurance policies. It was a really easy process and glad it’s now all up and running.”
“Kept in contact throughout the process, offered advice and insurance without being pushy.”
Protection customer experiences from the group’s reviews. The cover available and its cost depend on your circumstances.
Get my free quoteYour protection questions, answered.
From choosing your first policy to checking cover you already have.
Get my free quoteWhat is protection insurance?
It’s insurance that provides financial support if you die, develop a covered serious illness or cannot work because of illness or injury. Life insurance, critical illness cover and income protection do different jobs. Your adviser can explain which is relevant to you.
How much cover do I need?
There isn’t one figure that suits everyone. Your mortgage or rent, everyday bills, dependants and existing savings all matter. Your adviser will look at how much support your household would need, for how long, and what you can afford each month.
How much will my policy cost?
The price depends on the type and amount of cover, how long it lasts, your age and your health. Your job and smoking history can also affect it. Get a quote to see the monthly cost for your circumstances. Final premiums and terms depend on the insurer’s assessment.
Do I need all three types of cover?
Not necessarily. Life insurance supports the people you leave behind. Critical illness cover pays a lump sum for a condition that meets the policy’s definition. Income protection replaces part of your earnings if illness or injury stops you working. Your adviser will explain any gaps or overlap with cover you already have.
What if I already have cover through work?
Start by checking what your employer provides and how long it lasts. Sick pay, death-in-service benefits and workplace income protection may already cover part of your needs. Some benefits end when you leave the job. Your adviser can take them into account before discussing any additional policy.
Can I get cover with an existing health condition?
A health condition doesn’t automatically rule out every policy. An insurer may offer cover at its standard price, charge more, exclude a condition, postpone a decision or decline an application. Answer health questions accurately so your adviser can discuss suitable options and any limitations with you.
Can I review or replace an existing policy?
Yes. A new baby, a change of job or a different mortgage can be a reason to check your cover. A replacement may cost more or have different exclusions. Don’t cancel an existing policy until replacement cover is confirmed and in force, and you understand any differences.
When would my policy pay out?
A claim must meet the policy’s terms. Life insurance pays on a covered death; critical illness cover requires a diagnosis that meets a listed condition’s definition and any survival period. Income protection normally starts after an agreed waiting period and pays for the period set out in the policy. Check the limits and exclusions before choosing.
Get your protection sorted.
Tell us what you want to protect. Get a free quote and help from an adviser to find cover that fits your life and your budget.
Get my free quote Free quote · No obligationProtection insurance is not a savings or investment product. Premiums are not refundable if you cancel your policy unless within the cooling-off period. Eligibility, premiums, and terms are subject to individual assessment by the insurer.
If you stop paying premiums, your cover will normally end. Read the policy’s conditions and exclusions before deciding.
Albot is a technology platform, not an insurer and not an insurance broker. Applications submitted via Albot may be passed to Loan.co.uk Ltd, who will provide advice and arrange cover with insurers. Loan.co.uk Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 718486). The type and level of cover you need depends on your individual circumstances.