Keep your family protected, whatever life throws at you.
Life insurance, critical illness cover, income protection. We search leading UK insurers to find the right cover for your situation. Your adviser handles everything.
Your protection options
Cover that works for your situation
Life insurance
Your family stays secure if the worst happens
Critical illness
Tax-free lump sum on serious diagnosis
Income protection
Your bills covered if you can't work
What is protection insurance?
Protection insurance is a broad term for policies that pay out if something serious happens to you: death, serious illness, or being unable to work. The right cover keeps your family financially secure when it matters most.
Life insurance pays a lump sum or regular income to your family if you die. Critical illness cover pays out on diagnosis of specified serious conditions. Income protection replaces a portion of your salary if you're too ill or injured to work.
Many people hold all three because they cover different risks and often work best together. Your adviser will help you work out which combination fits your situation and your budget.
Important: Protection policies vary significantly between insurers. Definitions of covered conditions, exclusions, and payout terms differ. Your adviser will explain exactly what each policy covers before you apply.
Protection insurance is regulated by the Financial Conduct Authority (FCA). Applications are handled by qualified advisers who are authorised and regulated by the FCA, so you're protected by strict rules on fair treatment and suitability.
Do you need protection?
If any of these apply, cover is worth considering
You have a mortgage
If you died or couldn't work, could your household still make the repayments?
People depend on your income
Partner, children, or anyone who relies on what you earn each month.
You're self-employed or a contractor
No employer sick pay means no income if you can't work. Protection fills that gap.
You have debts or ongoing commitments
Car finance, rent, loans, childcare. These bills don't stop if your income does.
Find the right cover for your situation
Every situation is different. Here are the main types of protection insurance and who they suit most.
Life insurance
Pays a lump sum or regular income to your family if you die. Covers the mortgage, debts, and living costs, so the people you love are looked after.
Critical illness cover
Pays a tax-free lump sum on diagnosis of a specified serious condition, such as cancer, heart attack, or stroke. Use it however you need to.
Income protection
Replaces a portion of your income if illness or injury stops you working. Monthly payments keep your bills covered while you recover, whether for months or years.
The case for getting covered now
Protection insurance is one of the most straightforward financial decisions you can make. Here's why it matters.
Your family stays financially secure
If you die or become seriously ill, a payout keeps the mortgage paid, the bills covered, and your family's standard of living protected. No scrambling to manage on one income.
Premiums are lower when you're younger and healthier
The earlier you take out cover, the more affordable your premiums are. Waiting until you develop a health condition can increase costs significantly or make some cover unavailable.
Covers what sick pay won't
Statutory sick pay is limited and often ends quickly. Income protection fills the gap if illness or injury keeps you off work for months or longer. It means you can focus on recovery, not money.
Serious illness is more common than you think
Around 1 in 2 people in the UK will be diagnosed with cancer at some point. Critical illness cover means a diagnosis doesn't have to become a financial crisis on top of everything else.
Often more affordable than people expect
A basic level of life cover can cost less per month than a streaming subscription. Your adviser will find the right balance of cover and cost for your budget.
Expert advice means the right cover, not just any cover
Not all policies are equal. Definitions, exclusions, and payout terms vary widely. A qualified adviser makes sure the policy you take out actually does what you need when it counts.
Three steps to the right cover
It's straightforward. Here's what happens when you use Albot.
Tell us about yourself
A few quick questions about your age, health, and what you want to cover. Takes about 90 seconds.
⏱ 90 secondsSee your options
Albot searches leading UK insurers and shows cover options matched to your situation.
⚡ Instant resultsAdviser handles everything
A qualified, FCA-regulated adviser talks you through the right cover for your needs and handles the full application.
👤 FCA regulatedThe smarter way to find protection
We combine technology with expert advice to find the right cover at the right price, without the hassle.
Instant comparison
We search leading UK insurers in seconds. You see relevant options matched to your age, health, and needs, not a generic list.
Qualified adviser support
A real, FCA-regulated adviser goes through your options with you, so you understand exactly what you're buying before you commit.
No obligation
Getting a quote doesn't commit you to anything. No credit checks, no obligation. Just clear information so you can make the right decision.
Cover that actually pays out
We focus on policies from reputable, established insurers with strong claims records and clear policy definitions that matter when you need to claim.
Common questions about protection insurance
Everything you need to know before you apply.
How much life insurance do I need?
A common starting point is 10 times your annual salary, plus any outstanding mortgage. But the right amount depends on your circumstances: your income, debts, dependants, and how long your family would need support. Your adviser will help you work out a figure that makes sense for your situation.
What's the difference between critical illness and income protection?
Critical illness pays a one-off lump sum if you're diagnosed with a specified serious condition, regardless of whether you can work. Income protection pays a regular monthly income while you're unable to work due to illness or injury. They cover different situations and many people hold both. Your adviser can explain which is right for your circumstances.
Will a pre-existing health condition affect my application?
It may. Insurers assess your health at the time of application. Some conditions may result in higher premiums, an exclusion for that specific condition, or in some cases affect your ability to get certain types of cover. The best approach is to disclose everything accurately. Your adviser will help find insurers most likely to offer suitable cover for your situation.
Do I need life insurance if I have cover through work?
Employer-provided life cover (death in service) is usually a valuable benefit, but it typically only pays 2–4 times your salary, often not enough to replace income long-term or cover a large mortgage. It also ends if you leave or lose your job. Your own personal policy stays with you regardless of employment and can be sized to your actual needs.
How quickly is a claim paid out?
Timescales vary by insurer and claim type. Life insurance claims are generally straightforward, with many major insurers paying within a few weeks of receiving all required documentation. Critical illness claims require medical evidence of diagnosis. Income protection claims typically begin paying after a deferred period, commonly 4, 13, or 26 weeks. Your adviser can outline what to expect for any specific policy.
Can I cancel my policy if my circumstances change?
Yes. Most protection policies can be cancelled at any time by stopping payments, though you'll lose all cover and any premiums already paid. You have a 30-day cooling-off period after taking out a policy to cancel and receive a full refund. If your circumstances change significantly (new mortgage, new child, change in income) it's often worth reviewing your cover rather than cancelling it entirely.
Find the right cover for your family today
Get a free quote from leading UK insurers. No obligation, no credit check, no commitment.
Get my free quoteProtection 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.
Albot is an introducer and technology platform. Applications may be passed to a qualified, FCA-authorised adviser. Albot is not itself an insurer or insurance broker.
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.