The Prime Future Guide
Vol. 01
8 min read
Protection · Explained

What protection
do you actually
need?

A plain-English guide from people who actually explain things.

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01 / 04Three flavours

Life
Insurance.

If you die, your family receives a cash sum. Simple.

What changes is how that sum is structured — and that depends on what you're protecting.

Three options

Increasing

01

Your cover grows over time in line with inflation or a fixed percentage. £500,000 today still feels like £500,000 in twenty years. Costs a little more — worth it for long-term protection.

Level

Most popular

The payout stays the same throughout the policy. Set it, forget it. Whatever you choose today is what your family receives.

Decreasing

03

The payout reduces over time roughly in line with your mortgage. Usually the most affordable. Perfect if protecting your home is the priority.

02 / 04Pays out on diagnosis

Critical Illness Cover

If you're diagnosed with cancer, a heart attack, a stroke — you get a cash lump sum while you're still alive.

Because a diagnosis is devastating enough. It shouldn't also mean choosing between treatment and your mortgage.

03 / 04Your monthly safety net

Income Protection

If illness or injury stops you working, this pays you a regular monthly income until you're back on your feet — or until you retire.

No sick pay from your employer? This is what keeps the bills paid and the kids fed.

04 / 04Often overlooked

Accident Protection

Life is unpredictable. A broken wrist. A back injury. An accident that puts you out of action for weeks.

This pays out when the unexpected happens — so an injury doesn't become a financial crisis on top of everything else.

What now?

Not sure which one
you need?

Most people need more than one. We'll help you work out exactly what's right for your situation — free, no obligation, no pressure.

Let's talkCalculate your risk
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