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Cover for your life and health

Protection for you and your family

None of us can predict what will happen in the future, and while we hope well live a long and healthy life, being covered for the unexpected could well be worth paying for.

If you or your partner were unable to work due to illness or accident, you'd want to know that you could get the best care possible, and that your family and financial assets would be protected. And this is where insurance, or assurance as some of these life policies are called, comes in.

There are lots of different insurance products designed to soften the financial blow that an accident, serious illness or death of a loved one can bring. Some cover the cost of medical expenses for private treatment; others pay an income or cash lump sum to you or your family if you are unable to work through serious illness, or in the event of your death.

We've grouped the products into those that cover the medical expense of illness, and those that protect your financial commitments and income in the event of an illness or death.

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Top tip

Check if you're eligible for free or discounted rates on private medical or life assurance through your employer

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The Money Advice Service guide to insurance