*This article contains affiliate links. We may earn a commission if you click through and purchase. This does not affect our editorial independence or the price you pay.* — Fewer than one in ten UK workers has income protection insurance. (ABI/Swiss Re Group Watch data — stat to be verified with latest report) Most people…

*This article contains affiliate links. We may earn a commission if you click through and purchase. This does not affect our editorial independence or the price you pay.* — Take two identical 40-year-olds. Same health, same £500,000 of life cover. One pays around £25 a month. The other pays around £150. (premiums verified June 2026…

This article contains affiliate links. We may earn a commission if you click through and purchase. This does not affect our editorial independence or the price you pay. Most people choose a life insurance provider the way they choose a broadband deal — find the cheapest, tick a box, move on. That approach works fine…

Life insurance pays your family a lump sum if you die. Here’s how it works, what it costs, and the one optimisation most people miss.