Life, critical illness & income protection
Independent, whole-of-market advice for the cover that matters most.
Life insurance
Life insurance pays a lump sum if you die during the policy. It can clear a mortgage, replace years of income and pay for childcare and education. Level, decreasing and family income benefit cover each suit different needs — we explain which fits yours.
- Single or joint, level or decreasing
- Written in trust, so it is paid quickly and outside your estate
- Terminal illness cover usually included
Critical illness cover
Critical illness cover pays a tax-free lump sum if you are diagnosed with a specified serious illness — giving you time and choices while you recover. Definitions differ a lot between insurers, which is exactly where independent advice matters.
- Cancer, heart attack, stroke and many more conditions
- Children’s cover often included
- Can be combined with life cover or taken on its own
Income protection
Income protection pays a monthly income — usually up to 50–70% of your earnings — if illness or injury stops you working. You choose how long to wait before payments start and whether they run for a few years or until retirement.
- For employed and self-employed people
- Own-occupation definitions where available
- Rehabilitation and back-to-work support
Need something simpler and quicker? See Friendly Shield (short-term, no health questions) and EverydayProtect (accident and hospital cash).
Mortgage protection
Buying a home or remortgaging? We design life, critical illness and income cover around the mortgage, so the payments are covered whatever happens.
Business protection
Protect the business you have built. Key person cover, shareholder and partnership protection, and relevant life cover for directors — a tax-efficient alternative to personal life cover in many cases.
Trusts, wills and powers of attorney
A policy only helps if it reaches the right people at the right time. We help you put your cover in trust and connect you with will writing and Lasting Power of Attorney services, so nothing is left to chance.
Get a recommendation that fits
Tell us a little about you and an FEI adviser will come back with clear options.
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Whole-of-market protection advice for families and working people across the UK.
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