Protection Insurance UK
Independent guides to UK financial protection — income protection, mortgage protection, family income benefit, business protection and life cover for later life, explained in plain English.
Protecting Your Income, Family and Business
The Protection Insurance Division covers the financial "what ifs" — illness, injury, redundancy, or the loss of a key person in a business. Whether you're protecting your income, your mortgage, your family or your business, you'll find dedicated departments and practical guidance in one place.
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Explore Protection Insurance Departments
Choose a specialist department below to explore in-depth guides and practical resources.
Income Protection Insurance
Regular income cover if you're unable to work due to illness or injury.
Mortgage Protection Insurance
Cover designed to help keep up mortgage repayments if the worst happens.
Family Income Benefit
Regular income paid to your family, rather than a lump sum, if you die during the policy term.
Over-50s Life Cover
Guaranteed-acceptance life cover designed for people aged 50 and over.
Terminal Illness Cover
Cover that can pay out early if you're diagnosed with a terminal illness.
Accident Insurance
Lump-sum or income cover following an accidental injury.
Redundancy Insurance
Short-term income cover if you lose your job through redundancy.
Business Protection
Cover designed to protect a business against the financial impact of losing an owner or partner.
Key Person Insurance
Cover for the financial impact on a business of losing a critical employee.
Shareholder Protection
Cover that helps remaining shareholders buy out a deceased shareholder's stake.
Protection Insurance FAQs
What's the difference between life insurance and income protection?
Life insurance pays a lump sum to your dependants if you die during the policy term. Income protection instead pays you a regular income if you're unable to work due to illness or injury, replacing part of your earnings while you can't work.
What is mortgage protection insurance?
Mortgage protection insurance is designed to cover mortgage repayments — either through a lump sum on death (often decreasing term life insurance) or through regular payments if you're unable to work, depending on the specific policy type.
What is key person insurance?
Key person insurance is a business protection policy that pays out to a company if a named key employee, such as a founder or specialist, dies or becomes critically ill, helping cover the financial impact of losing that person.
Is over-50s life cover the same as standard life insurance?
Not exactly. Over-50s life cover is typically guaranteed acceptance without medical underwriting, often with a fixed premium and a capped payout, whereas standard life insurance usually involves medical underwriting and can offer a higher level of cover relative to premium.
Related Insurance Divisions
Continue exploring other specialist insurance divisions available on PrimeInsuranceUK.
Personal Insurance
Life, pet, travel and other individual cover.
Health Insurance
Private medical, dental and health cash plan guides.
Business Insurance
Insurance for businesses, employers and commercial operations.
Property Insurance
Buildings, contents, landlord and commercial property insurance.
Written and reviewed under our site-wide editorial process. Last reviewed: . This content is educational and does not constitute financial advice.