Guides
Everything you need to know, minus the jargon.
Written for real people, not underwriters. Read these first and you’ll know what to ask a broker.

4 min read
What is income protection, and do I need it?
The plain-English version: what the policy does, how the waiting period works, and who tends to benefit most.
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5 min read
How much does income protection cost?
What drives the premium, some realistic ranges, and the three choices that make the biggest difference to the price.
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4 min read
Income protection if you’re self-employed or a contractor
Yes, you can get it. Here’s how insurers assess your income, what they’ll ask for, and what to watch out for.
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4 min read
What does income protection actually cover?
The conditions that make up most claims, the common exclusions, and why honesty on the application form is everything.
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