Free Insurance & Protection Guides
Straightforward answers to your protection questions. No jargon, no sign-ups — just honest, free-to-read guidance written by qualified insurance advisors.
Why Use an Adviser
Life Insurance
Life Insurance & Mortgages
Why you need life cover when you have a mortgage
Family Income Benefit
Affordable life cover that pays a monthly income to your family
Decreasing vs Level Term Life
Mortgage protection: which type of term cover is right for you
Whole of Life Insurance UK
Guaranteed payout cover — used for IHT planning and legacies
Over 50s Life Insurance
Guaranteed-acceptance plans — worth it or not?
Critical Illness Cover
Critical Illness Cover Guide
Tax-free lump sum if you're diagnosed with a serious illness
Children's Critical Illness Cover
Free cover for your children included with many policies
CIC for Mortgage & Debt Cover
Use the lump sum to clear your mortgage and unsecured debts
CIC With Pre-Existing Conditions
Cover with diabetes, mental health, cancer history and more
Conditions List 2026
Full UK conditions list and severity-based payouts explained
Income Protection
Income Protection Insurance
Replace your income if illness or injury stops you working
Mortgage, Bills & Credit Score
Size cover to keep mortgage, bills and credit file safe
Income Protection for NHS & Doctors
Specialist cover for NHS staff — LV= and own-occupation
Income Protection for Teachers
Burgundy Book sick pay and IP for education staff
Income Protection for Self-Employed
No employer sick pay — IP for sole traders and contractors
Home Insurance
Legal Protection
Wills & Powers of Attorney
Legal planning every homeowner should have in place
Lasting Power of Attorney Explained
Property & finance and health & welfare LPAs in plain English
LPA vs Deputyship
Why setting up an LPA now saves thousands later
Intestacy Rules for UK Homeowners
What happens to your home if you die without a will
Wills for Cohabiting Couples
Why unmarried partners need a will more than anyone
Wills for Blended Families
Protecting children, stepchildren and second marriages
Tenants in Common vs Joint Tenants
How you own your home affects inheritance and tax
Inheritance Tax for Homeowners
Nil-rate band, residence allowance and how to reduce IHT
Property Trusts & Care Fees
Can a trust protect your home from care home fees?
Insurance Guides — FAQs
The Mortgage Genie connects you with qualified, protection advisers offering free initial advice at The Mortgage Genie. We don't charge a fee for protection advice; insurers normally pay us commission, which we explain before you proceed.