Personal protection advice

Life insurance and income protection.

Advice that looks at the detail.

We compare life insurance, critical illness cover and income protection from our insurer panel, then recommend cover around your circumstances and budget.

Talk to an adviser Explore your cover options

You do not need to know which policy you want. We’ll help you work that out.

Cover options

What would you like to protect?

Life insurance

A lump sum for your loved ones if you die during the policy term, subject to the policy conditions.

Explore life insurance

Critical illness cover

Financial support following a diagnosis that meets a covered condition's definition.

Explore critical illness cover

Income protection

Regular payments replacing part of your earnings if illness or injury prevents you working, subject to the policy terms.

Explore income protection

Family income benefit

Regular payments for your family for the remaining policy term following a valid claim.

Explore family income benefit

Benefits beyond the payout

More than a payout.

Some protection policies offer practical support while you’re well, and extra options if you become seriously ill. We explain what’s included, what costs extra and whether it suits you.

Available with eligible policies

24/7 digital GP access

Aviva DigiCare+ offers digital GP appointments around the clock with eligible policies. Fair-use and eligibility conditions apply; prescription medicines can cost extra. It is not an emergency service.

Explore GP access

Optional paid extra

Cancer treatment options overseas

Aviva Global Treatment can provide an organised overseas treatment pathway for specified serious conditions, including qualifying cancer treatment. It is available with selected policies and has its own limits and exclusions.

Explore Global Treatment

Optional paid extra

Specialist support with Zurich Accelerate

Available with eligible Zurich policies, Accelerate brings together services including specialist consultations, diagnostics, second opinions and cancer treatment support. Each service has its own eligibility and terms.

Explore Zurich Accelerate

These examples come from different policies and are not one combined package. Some support services are non-contractual and may change or be withdrawn. Suitable financial cover remains the starting point.

Our panel

Insurers you recognise. Advice about the differences.

We compare relevant policies from our panel and make a personal recommendation based on your needs and circumstances.
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$The Exeter$

Our Protection Standard

A recommendation you can understand

We start with the people and commitments that depend on you. We look at existing cover and your budget, then explain the policy choices that matter. That includes limitations and trade-offs, not just the attractive features.

Explore our Protection Standard

How advice works

From a question to a clear plan

Tell us about your circumstances and what you want to protect.

We assess the options and explain our recommendation.

You decide whether to proceed; we help with the application if you do.

We do not charge you a fee for our personal protection advice or for arranging your policy. If you take out a policy through us, the insurer pays us commission.

See how our advice works

Help when you need to claim

For a policy arranged through TrustCover, we can explain how to start a claim, help you understand the information the insurer requests, liaise with the insurer with your permission and chase progress. The insurer assesses the claim and decides whether it meets the policy conditions.

Get help with a claim

Guides & insights

Questions worth asking

Browse our guides to policy benefits, NHS income protection and life insurance with diabetes. Clear explanations can help you ask the right questions before choosing cover.

Guide

No. We can work through the financial needs and existing arrangements with you.

Can you look at cover I already have?

Yes. Have your policy documents available for the advice conversation. Keep existing cover in place while any changes are considered.

Am I insured after sending an enquiry?

No. An enquiry does not put insurance in place. Cover starts only as confirmed by the insurer.

Let's work out what fits your life

Ask a question or arrange an initial conversation with an adviser.

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