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Help your family cover funeral costs without financial worry.
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Life Insurance
Tax-free payout to protect your family financially.
Knowledge Centre
Helpful UK protection content built around clear answers, trusted sources, and practical next steps.
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A plain-English UK guide to what decreasing term life insurance is, how the sum assured reduces over the term, how it is priced, and who it suits.
A plain-English UK guide to what drives the cost of funeral cover, average funeral costs, over-50s plans vs underwritten cover, and how to get an accurate figure.
A plain-English UK guide to why life insurance applications are declined, the difference between declined, postponed, loaded and excluded, and your next steps.
A plain-English UK guide to what critical illness cover pays out for, the common conditions covered, why policy definitions matter, and what is not included.
A plain-English UK guide to how funeral cover works: what it is, how the payout is made, what it costs, how it differs from a pre-paid funeral plan, and whether it is worth it.
A plain-English UK guide to what drives the price of life insurance, why two people pay different premiums, and how to get an accurate figure before you buy.
Legitimate ways to lower the cost of UK life insurance, from comparing the whole market to choosing the right cover, quitting smoking and paying annually, without cutting corners that leave you unprotected.
More UK insurers now send life insurance medical questions to complete online rather than asking them over the phone. How it works, why it changed, and what to watch.
The steps between submitting a UK life insurance application and being covered: underwriting, possible follow-ups, decision outcomes, policy documents, and your right to cancel.
A plain-English guide to the health and lifestyle questions UK life insurance applications ask, why each is asked, the time windows used, and how to answer them.
Whether UK life insurers can see your GP records, when a GP report or medical exam is requested, your rights under the Access to Medical Reports Act 1988, and how records are used at claim time.
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.
How life insurance can protect a UK mortgage, what type of cover usually fits, and whether lenders require it.
A UK guide for company directors and employers comparing relevant life plans and personal life insurance, and when each may be a better fit.
A plain-English guide to what private medical insurance usually covers in the UK, what it may exclude, and how it works alongside the NHS.
Plain-English articles that explain common protection questions without unnecessary jargon.
Articles include source lists so important claims can be checked against trusted references.
When your circumstances matter, our UK-based advisors can help you compare suitable cover.
Why Trust These Guides
Insurance choices can affect your family, mortgage, income, and business. Our guides are designed to make the important details easier to understand before you speak to an advisor.
Guides are written in plain English by Alex for UK readers comparing protection options.
GoInsureMe is a trading style of Pure Protection Ltd, authorised and regulated by the FCA.
Articles cite sources such as GOV.UK, HMRC, FCA, NHS, ABI, MoneyHelper, and Citizens Advice where relevant.
Each guide includes an updated date and a source list so important information can be checked.
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