Protect what matters most
Life throws curveballs. Illness, injury, or worse—when the unexpected happens, the right cover means your family stays secure and your mortgage gets paid. Albot finds the right protection for your situation.
Your protection, sorted
Cover for life’s uncertainties
Life insurance
Protect your family if the worst happens
Critical illness
Lump sum if you’re diagnosed with a serious illness
Income protection
Replaces your income if you can’t work
Three ways to protect your future
Different policies for different risks. Here’s what each one does.
Life insurance
Pays out a lump sum to your loved ones if you die during the policy term. Ensures your mortgage gets paid off and your family stays in their home.
Critical illness cover
Pays a tax-free lump sum if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. Money when you need it most.
Income protection
Replaces a portion of your income if you can’t work due to illness or injury. Keeps paying your bills when you can’t earn.
Life doesn’t always go to plan
Nobody likes thinking about the worst. But the right protection means your family stays secure, no matter what happens.
New mortgage or remortgage?
If you’re increasing your borrowing, your existing cover might not be enough. Review your protection whenever your mortgage changes.
Family depending on you?
If your income stopped tomorrow, could your family pay the mortgage? Life insurance ensures they’re not left struggling.
What if you got seriously ill?
1 in 2 people will get cancer in their lifetime. Critical illness cover pays a lump sum so you can focus on recovery, not bills.
Self-employed or limited sick pay?
No work = no income. Income protection pays your bills if illness or injury stops you earning—until you’re back on your feet.
Getting protected is simple
No complicated forms. No confusing jargon. Just the right cover for you.
Tell us about you
Chat with Albot about your situation—mortgage, family, income. We’ll work out what protection you need.
⏱ Takes 2 minutesSee your options
We search leading UK insurers to find the right policies at the right price. No hard sell, just honest advice.
⚡ Instant quotesGet covered
Choose your policy and you’re protected. Your family’s future is secure, and you can relax.
🛡️ Peace of mindProtection without the hard sell
Insurance has a bad reputation. Pushy salespeople, confusing policies. We do it differently.
No pressure
We explain your options honestly. No hard sell, no scare tactics—just clear advice you can trust.
Plain English
Insurance jargon is confusing. We explain everything clearly so you know exactly what you’re getting.
Right cover, right price
We don’t oversell. We find the protection that fits your situation and budget—nothing more.
Expert guidance
Real protection specialists if you need them. AI speed, human expertise when it matters.
Protection questions, answered
Common questions about life insurance and protection.
Do I really need protection if I have a mortgage?
If something happened to you, could your family keep paying the mortgage? Life insurance ensures the mortgage gets paid off, keeping your family in their home. It’s not compulsory, but most people with dependents or a mortgage consider it essential peace of mind.
What’s the difference between life insurance and critical illness?
Life insurance pays out when you die. Critical illness pays out if you’re diagnosed with a serious illness (like cancer or heart attack) but survive. Many people have both—life insurance protects your family after death, critical illness protects you while you’re alive but unable to work.
How much cover do I need?
At minimum, enough to pay off your mortgage. Many people also add an amount to replace income for several years, cover childcare costs, or pay for education. We’ll help you work out the right figure based on your specific situation—there’s no one-size-fits-all answer.
Is income protection worth it?
If your income stopped tomorrow due to illness or injury, how long could you manage? Statutory Sick Pay is only £109.40/week. Income protection replaces up to 60% of your income until you’re back at work or retire. It’s especially valuable if you’re self-employed or have limited sick pay.
Can I get cover if I have health issues?
Usually yes, though it depends on the condition. Some health issues mean higher premiums or certain conditions being excluded. Others have no impact at all. We work with many insurers and can often find cover even when others have said no. Be honest about your health—non-disclosure can void your policy.
Protect your family’s future
Find out what protection you need in just 2 minutes. No obligation, no hard sell—just honest advice.
Get protected