Critical illness cover vs income protection
How critical illness cover and income protection differ in the UK, what each is designed to solve, and whether you may need one or both.
Protect what matters most to you
Tax-free payout to protect your family financially.
Lump-sum support after diagnosis of a serious condition.
Monthly income replacement if illness stops you working.
Faster access to private diagnosis and treatment.
Business-owned cover for directors and key staff.
Tax-efficient life cover arranged by your employer.
Financial protection if an accidental injury stops you working.
Protect your mortgage repayments if the worst happens.
Help your family cover funeral costs without financial worry.
Not sure which cover you need? We'll help you decide.
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Our Cover Options
Whether you're protecting your family, health, business, mortgage, or income, we'll help you find the right cover.
Protect your loved ones with a tax-free lump sum if you pass away. Cover your mortgage, debts, and your family's future.
Receive a tax-free lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke.
Replace up to 70% of your income tax-free if illness or injury stops you from working.
Access private diagnosis and treatment options with flexible cover designed around your healthcare priorities.
Business-owned cover for directors and key employees to help protect earnings during long-term illness.
A tax-efficient life insurance policy taken out by an employer for individual employees. Benefits are not treated as a benefit in kind.
Provides a lump sum or regular payments if you suffer an accidental injury, helping cover costs while you recover.
Life insurance or critical illness cover designed to help protect your mortgage repayments if the worst happens.
Help your family cover funeral costs without financial worry. Plans available with no medical questions asked.
GoInsureMe is a trading name of Pure Protection Ltd, an FCA-regulated insurance advisory firm based in Somerset. We help families across the UK find the right protection at the right price.
We believe everyone deserves access to clear, honest insurance advice without the jargon or hard sell. That's why our service is completely free and no-obligation. Simply tell us what you need, and our expert advisors will find the best options from the UK's leading insurers.
Knowledge Centre
Evidence-led articles that explain the details behind life insurance, income protection, critical illness cover, private health care, and business protection.
How critical illness cover and income protection differ in the UK, what each is designed to solve, and whether you may need one or both.
How UK income protection treats mental health conditions, what underwriting may apply, and the policy details that matter most.
A practical UK guide to working out how much life insurance cover you may need for family, mortgage, debts, and future costs.
How UK income protection compares with employer sick pay and Statutory Sick Pay, and when extra cover may be worth considering.
How level term and decreasing term life insurance differ in the UK, and which may suit family protection or a mortgage.
A plain-English guide to life insurance trusts in the UK, including why people use them, what they can help with, and when to get advice.
Simple Process
Getting protected takes just four simple steps. No paperwork, no hassle.
Fill in the form with your details and choose a time.
Our advisor understands your needs and situation.
We find the best policies from top UK insurers.
Choose your policy and enjoy peace of mind.
If you have a mortgage, children, or a partner who relies on your income, insurance isn't optional, it's essential. Without the right cover, your family could face serious financial hardship if something unexpected happened to you.
The good news? Getting protected is simpler and more affordable than most people think. A healthy 30-year-old can get £200,000 of life cover for as little as £10 per month.
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