Guidance library
Straight-talking guides for protection clients.
Browse guidance by topic. Share any of these links with anyone you like — they explain the essentials so decisions are easier to make.
General information
Other useful guides that don't fit neatly into the categories below.
Understanding life insurance and family protection
Life, critical illness, income protection, family income benefit and whole of life — explained in plain English.
Read →Making claims & why disclosure matters
How protection claims work — and why honest, complete disclosure at application gives your family the best chance of a smooth claims experience.
Read →Why protection matters
The essentials of life, critical illness and income protection — and why they matter for your family.
Why protection matters
Life, critical illness and income protection explained in plain English.
Read →Why regular protection reviews matter
Is your life assurance still fit for purpose? Common gaps, when to review, and why older policies may fall short.
Read →Income protection — why it matters
Protecting the income that pays for everything — how income protection works and why it's often the most overlooked cover.
Read →Life assurance trusts
How trusts work, choosing beneficiaries, and writing a Letter of Wishes for your trustees.
Writing a policy in trust
Speed, control and inheritance tax benefits of putting a policy in trust.
Read →Choosing your beneficiaries
Nominating who should receive the proceeds of your policy.
Read →Expression of Wishes (Letter of Wishes)
Private, non-binding guidance that helps your trustees carry out your intentions.
Read →Draft Letter of Wishes template
An example Letter of Wishes you can adapt as personal guidance for your trustees.
Read →Medical underwriting
What insurers look at when they assess your application, and how to prepare.