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Protection - because life can be so unpredictable

We would all like to think that 'it will never happen to me', but sometimes it unfortunately does. Protection Insurance - whether life, critical illness, income protection or general insurance - cannot prevent the unthinkable happening but it can certainly ease the financial hardship that may result.

We believe that financial security should be the foundation of sound financial planning. Costs and types of cover can vary widely and so 'independent' advice will ensure that you obtain cost effective and relevant cover for your needs.

Contact us now for a no obligation quotation.

Our 'Jargon Buster' below gives more details of the types of cover that we offer.


Protection - Jargon Buster

Accident, sickness and unemployment insurance
See mortgage protection insurance and payment protection insurance.

Critical illness cover
Insurance that pays a lump sum if you're diagnosed with a specified critical illness covered by your policy.

The amount you agree to pay before your insurer pays the rest of the bill (for example, the first £100 of a claim).

Things that your insurance will not cover.

Income protection (or permanent health insurance)
Insurance that pays you a monthly income if you're unable to work due to illness or injury, until you are able to return to work, or retirement, whichever is the sooner.

Investment-backed life insurance
Life insurance which has two roles: to protect you, and to act as an investment. These include Whole-of-Life insurance, With-profits bonds, Income and growth bonds, Endowment policies and Maximum Investment plans.

Joint life
Typically, life-cover to protect a family in the event of either or both policyholders dying.

Mortgage protection insurance
Accident, sickness and unemployment insurance (or payment protection insurance) used to cover your mortgage payments.

No claims discount
A discount if you haven't made a claim on your insurance policy within a specified period of time (for example 3 years) but it does not mean the premiums to which the discount is applied do not rise.

Payment protection insurance (or accident, sickness and unemployment cover)
Pays out a regular amount (repayments of a loan, although some cover bills as well) for a limited time - a year, say - if you can't work for health reasons or redundancy.

The details of what your insurance covers, what it doesn't, and what it costs, normally provided separately.

The amount your insurer requires you to pay for insurance.

Private medical insurance
Insurance that pays for you to receive private medical treatment.

The specific details of what's covered, and what's excluded, by a policy.

Term insurance (or term assurance)
Life insurance giving protection for a specific amount of time (the 'term'). This can offer cover that remains level, decreases or increases throughout the term. Usually used for family security and mortgage cover.



Shaun Start Financial Planning is authorised and regulated by the Financial Conduct Authority. Principal: Shaun Start.

Shaun Start Financial Planning is entered on the FCA register (http://fca.org.uk/register/) under reference 228614.


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The guidance and / or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.