It's a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our health and loved ones. This guide will assist you in considering your own situation.
Life and Protection Insurance
This section provides helpful information on the different types of protection product available.
The Financial Conduct Authority does not regulate Trusts.
The name says it all. It's term assurance, as you only get a payout within the set 'term' e.g. 18 years. Its level, because the payout you get is fixed from the start of the term until the end. Level term assurance thus guarantees a known lump sum payout upon death within a fixed time e.g. £150,000 if you die within the next 18 years.
Although Critical Illness cover is sold by life assurers, there is a big difference when compared with life insurance - you don't have to die to benefit from the Critical Illness insurance policy. This type of cover is designed to pay out a lump sum in the event of you suffering from certain types of critical illness or if you have to undergo certain types of surgery as specified in the policy terms and conditions.
Payment Protection Insurance and Short Term Income Protection Insurance can provide a monthly income to help cover your regular outgoings if you can’t work due to an accident, illness or injury.
UK News
Nike and Apple were among brands worst hit, but Trump maintained the US economy would ultimately "boom".
The Chief Executive of Eli Lilly has told the BBC that he is doubtful tariffs could bring manufacturing jobs to the US whilst raising billions in tax revenue
The business secretary says he wants to reach an economic deal but would take "necessary steps' if talks failed.
The brands are warning of the impact of employer National Insurance Contribution rises which kick in on Sunday.
Donald Trump slaps much of the world with a 10% baseline tariff while others face even higher rates. Our correspondents answer your questions.