Personal Protection

When you were employed, a lot of these protections happened in the background. Your employer sorted sick pay, life cover, maybe even private medical - you didn't need to think much about it
 
Now it's on you, it's easy to keep putting it off because it all feels a bit complicated and a little bit morbid
 
But a quick conversation with the right person can cut through all of that and help you work out exactly what you need and what you don't

When you're self-employed and you can't work, your income stops with no sick pay or employer safety net to fall back on.

 

Income protection insurance can pay a proportion of your income if you're unable to work due to illness or injury, usually for a defined period or until you’re able to return – giving you a back up while you recover.

 

Ask yourself: If I couldn't work for 3, 6 or 12 months what would happen? Do I have savings or support that would cover that?

If you're self-employed, waiting for treatment isn't just frustrating - it can affect your income and peace of mind.

 

Private medical insurance gives you faster access to diagnosis and treatment. It doesn't replace the NHS – it just means you have more control over when and how you access treatment.

 

Ask yourself: What would the impact be on my business if I had to wait for a diagnosis or treatment? 

If you have people who depend on you financially, it's worth understanding what would happen if you were no longer around.

 

Life cover can pay out a lump sum to your family or beneficiaries– helping them  cover the bills or to give them some breathing room to focus on the more important things at a really difficult time. 

 

Ask yourself: If something happened, what would the financial impact be on those that depend on me?

A serious diagnosis doesn't always stop you working completely – but it can mean time off, treatment and a recovery that's hard to plan for.

 

Critical illness can pay a lump sum if you're diagnosed with one of a specified list of serious illnesses - separate from life cover and income protection.

 

Ask yourself: If I was diagnosed with something serious, could I afford to take the time off to recover properly?

 
 
Want to find out more?

Contact us or book a free no-obligation chat with our expert partner Rhys who can help you work out what, if anything, you actually need and talk you through the options. 

This is for awareness and educational purposes only - it does not constitutes financial, insurance, or regulated advice. The products and protections listed are general categories – not recommendations for specific products or providers.

For advice tailored to your situation, please speak with a qualified, FCA-authorised adviser - that's exactly what our vetted partners are here for.