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.
Guidance library disclaimer
The documents, guides, articles and resources contained within this library are provided for informational purposes only and were accurate to the best of our knowledge at the date of publication or upload. Financial services regulation, lender criteria, insurer products and provider documentation can change over time. Whilst My Mortgage & Protection Experts endeavours to maintain current and accurate information, we cannot guarantee that all content will remain up to date indefinitely. Clients should seek personalised advice before making financial decisions based on the information contained within this portal.
Understanding Protection
Start here — what the different types of cover do, why they matter, and the terms you'll come across.
Understanding Life Insurance and Family Protection
Life, critical illness, income protection, family income benefit and whole of life — explained in plain English.
Read →Why Protection Matters
Life, critical illness and income protection explained in plain English — and what happens without them.
Read →Why Regular Protection Reviews Matter
Is your cover still fit for purpose? Common gaps, when to review, and why older policies may fall short.
Read →Why Income Protection Matters
Protecting the income that pays for everything — how income protection works and why it's often the most overlooked cover.
Read →Understanding Income Protection Terms
Own, suited and any occupation, deferred and benefit periods, guaranteed vs reviewable premiums and indexation.
Read →Safety Net Calculator
Interactive tool — see how long employer sick pay and savings could support your household, when a shortfall may appear and where income protection could help.
Read →Income Protection FAQs
Plain-English answers to the most common income protection questions — cover levels, waiting periods, premiums and misconceptions.
Read →Setting Up Your Policy
Trusts, beneficiaries and wishes — how to make sure the right money reaches the right people at the right time.
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 →Understanding Expression of Wishes
Private, non-binding guidance that helps your trustees carry out your intentions.
Read →Letter of Wishes Template
An example Letter of Wishes you can adapt as personal guidance for your trustees.
Read →Applying for Cover
What happens between applying and being on cover — underwriting, timescales and the importance of full disclosure.
The Medical Underwriting Process
What insurers look at when they assess your application, and how to prepare.
Read →Understanding Underwriting Timescales
Why it's important not to leave applications until the last minute — outcomes, medical evidence and typical timescales.
Read →Why Disclosure Matters
What counts as non-disclosure and misrepresentation, what insurers check, and how to get your application right first time.
Read →Claims
How a claim works in practice — who to contact, what's needed and what to expect.
Insurer Benefits and Extras
Provider-specific added value — the extra health, wellbeing and reward services included with eligible policies.
Aviva DigiCare+
Digital GP, annual health check, mental health, nutrition, second medical opinion, bereavement and legal support — plus a link to Aviva's own guide.
Read →Vitality Rewards Programme Guide
How to earn points, improve your Vitality status and access partner discounts, rewards and wellbeing support — plus a link to the full guide.
Read →Understanding Vitality Serious Illness Cover
Severity-based payouts, the three levels of cover, multiple claims, later-life Dementia and FrailCare Cover and children's cover.
Read →Vitality Optimiser Explained
How the Optimiser pricing option works, the premium cap and who it might suit — plus a link to the full Vitality Optimiser guide.
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