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# Essential Insurance

Life Insurance, Critical Illness Insurance, Income Protection

## Posts

- [News](https://essentialinsurance.co.uk/news/)
- [The Autumn Budget 2025: Are You Fully Protected?](https://essentialinsurance.co.uk/blog/2025/10/06/the-autumn-budget-2025-are-you-fully-protected/) - The Autumn Budget 2025 has been confirmed for 26 November, and the pressure on businesses is mounting. By arranging life insurance, you’ve already taken an important step to protect your family and your business. Many people never get around to it - so you’re ahead of the curve. But with Labour pledging not to raise
- [The Autumn Budget: What It Could Mean for Your Family](https://essentialinsurance.co.uk/blog/2025/10/06/the-autumn-budget-what-it-could-mean-for-your-family/) - As someone who has already taken the important step of arranging life insurance, you’ve made sure your loved ones are looked after and protected financially. That’s a big achievement - it gives peace of mind knowing you’ve planned for the unexpected. The Autumn Budget 2025 is set for 26 November. While Chancellor Rachel Reeves has
- [Why Having a Will Could Matter More Than Ever](https://essentialinsurance.co.uk/blog/2025/05/28/why-having-a-will-could-matter-more-than-ever/) - Let’s be honest - writing a Will probably isn’t at the top of your to-do list. But if you want to make sure your loved ones are looked after and your wishes are followed, having a Will is one of the most important things you can do. Without one, the law decides who inherits your
- [Essential Insurance Wins Feefo Platinum Trusted Service Award 2025](https://essentialinsurance.co.uk/blog/2025/01/21/essential-insurance-receives-feefo-platinum-trusted-service-award-2025/) - 21 JANUARY 2025 – Essential Insurance is proud to announce it has been awarded the Feefo Platinum Trusted Service Award for the sixth consecutive year. This independent seal of excellence recognises organisations that consistently deliver an exceptional customer experience. First launched in 2014, the Trusted Service Awards celebrate brands that use Feefo to collect verified
- [Life Insurance: A Vital Safety Net for Your Family’s Financial Future](https://essentialinsurance.co.uk/blog/2025/01/13/life-insurance-a-vital-safety-net-for-your-familys-financial-future/) - As the cost of living continues to rise and financial uncertainty persists, many families are reassessing their budgets to make ends meet. While it’s important to evaluate expenses, life insurance should not be seen as just another bill to cut. It is a critical safety net designed to protect your family’s financial future when life
- [Rise in Unexpected Death Rates Among UK Middle-Aged Adults](https://essentialinsurance.co.uk/blog/2024/03/26/rise-in-unexpected-death-rates-among-uk-middle-aged-adults/) - Earlier this year, government statistics unveiled a troubling surge in unexpected deaths across the UK, prompting widespread media coverage, expert scrutiny, and even parliamentary debate. Amidst these discussions, experts in The Lancet shed further light on the unexpected deaths among adults aged 50 to 64, with mortality rates surpassing expectations by 15%. Tragically, many of
- [The Essential Role of Life Insurance in Uncertain Financial Times](https://essentialinsurance.co.uk/blog/2024/03/04/the-essential-role-of-life-insurance-in-uncertain-financial-times/) - Jeremy Hunt will make his spring Budget announcement this week, and there has been lots of speculation about whether he will announce tax cuts ahead of the next general election. However, in recent weeks it seems like there’s been an attempt to manage our expectations, with the suggestion that his focus is on the longer term.
- [NHS Challenges: Your Life Insurance could be a Lifeline](https://essentialinsurance.co.uk/blog/2024/02/20/nhs-challenges-your-life-insurance-could-be-a-lifeline/) - Amidst the persistent challenges faced by the NHS, with demand for hospital treatment outstripping capacity way before the pandemic, the struggle for access to timely medical care continues. Presently, despite the best efforts of those dealing directly with the challenges, the situation does not seem to be improving, with significant backlogs and a huge number of patients
- [Five in a row: Essential Insurance Wins 5th Consecutive Feefo Platinum Award](https://essentialinsurance.co.uk/blog/2024/01/18/five-in-a-row-essential-insurance-wins-5th-consecutive-feefo-platinum-award/) - 18th January 2024, Essential Insurance is thrilled to announce that it has been honoured with the prestigious Feefo Platinum Trusted Service Award for the fifth consecutive year. This esteemed accolade underscores our unwavering commitment to providing exceptional experiences, consistently exceeding customer expectations. Being among the initial recipients of the Platinum Trusted Service Award and now
- [Is it ever too soon to consider life insurance?](https://essentialinsurance.co.uk/blog/2023/10/05/is-it-ever-too-soon-to-consider-life-insurance/) - Recently I read a heart-breaking story published by BBC News in the West Midlands. The article was about a woman, whose partner had sadly died in August, aged just 34, from cancer. The couple had not yet got life insurance, as in their early 30s, they thought they would not need it so soon. However,
- [Life Cover - A Must For Millenials](https://essentialinsurance.co.uk/blog/2015/07/28/life-cover-a-must-for-millenials/) - Survey shows age group are most likely to rank life insurance as ‘important’. Picture the scene; a smartly dressed, sensible saver, approaching retirement whilst reading the paper – sits across from a tech-savvy, TV-watching, Emoji-using Millennial who is clicking away on their smartphone. Which of these two typecasts would you assume places the most importance
- [Lessons In Life Insurance](https://essentialinsurance.co.uk/blog/2015/07/21/lessons-in-life-insurance/) - Industry Calls For Protection Education in Schools Industry experts are proposing that insurance and protection are classed as a ‘financial skill’ and should be made a key module in personal finance education. As of September last year, for the very first time, personal finance education became part of the UK’s National Curriculum and is now
- [Office Workers Worst Off for Wellbeing](https://essentialinsurance.co.uk/blog/2015/07/16/office-workers-worst-off-for-wellbeing/) - New stats show that white-collar work is working against us. Office jobs have had their fair share of bad press recently, but now a study has found the situation could be even worse than reported – over a third of office workers spend less than an hour a week on physical exercise. In a survey
- [Mind The Gap!](https://essentialinsurance.co.uk/blog/2015/07/01/mind-the-gap/) - Around 6 million British homes at risk - mortgages potentially left unpaid, as individual’s cover remains inadequate. Many Britons are leaving themselves vulnerable to the potential shortfalls of the so-called ‘life assurance protection gap’. This is where life insurance payouts fail to meet the costs that the policyholder originally intended to cover, or indeed where
- [What Tops Your List of Essentials?](https://essentialinsurance.co.uk/blog/2015/06/17/what-tops-your-list-of-essentials/) - Broadband beats insurance on shoppers’ priority list. When it comes to shopping, which items would you say come top of your list? Food? A nice home? What about technology items, such as broadband or your mobile phone? Or what about peace of mind? In an ideal world, protection products would top the list – the
- [Little Ones Encourage Cover](https://essentialinsurance.co.uk/blog/2015/06/11/little-ones-encourage-cover/) - Survey finds more people pay for protection when they have young children. Recent research into young families has found almost half (42%) of parents take out some form of life insurance, and around a fifth have made a will. A study commissioned by Aviva found that people in the UK are consciously taking steps to
- [Don’t Ever Ask ‘Doctor Google’!](https://essentialinsurance.co.uk/blog/2015/06/02/dont-ever-ask-doctor-google/) - The current trend for online self-diagnosing proves bad for our health, as more and more people are misinformed. If you’re feeling under the weather, what’s the first thing you do? Have a hot lemon? Hunt out the Paracetamol? Contact your local GP? Or consult Dr. Google? Increasing numbers are turning to the internet to interpret
- [Want To Live A Longer, Healthier Life? Be Happy!](https://essentialinsurance.co.uk/blog/2015/05/18/want-to-live-a-longer-life-be-happy/) - Happiness is your body’s way of saying ‘Well done, keep going.’ It’s a common assumption that smiling happy people generally outlive their grumpy counterparts, Essential we are taking a look at the science behind it. Have a read below and see if you can turn that frown upside down, you never know… You might add
- [Case Study: Where Death-in-Service Isn't Sufficient](https://essentialinsurance.co.uk/blog/2015/05/06/case-study-where-death-in-service-isnt-sufficient/) - Last week, we discussed the shortfalls of life insurance provided by employers, today we’re taking a look at a case study – one that demonstrates the disastrous consequences that can arise from not having enough life protection. Many people assume adequate cover will be offered through their employment, however this is not always the case. Global
- [Checking Your Cover: Review Before You Renew!](https://essentialinsurance.co.uk/blog/2015/04/20/checking-your-cover-review-before-you-renew/) - Here at Essential, we cannot stress enough the importance of making sure your life cover is up to date. To avoid any unwanted surprises, it’s imperative that you have a good understanding of your financial situation and insurance coverage, as well as keeping your cover accurate and up to date. Life insurance is in no
- [You Can't Put A Price On A Mother's Love... Or Can You?](https://essentialinsurance.co.uk/blog/2015/04/14/you-cant-put-a-price-on-a-mothers-love-or-can-you/) - Cover for the stay-at-home parent. You should never underestimate the cost of a stay at home parent. In many cases, when considering life cover families will think to ensure the breadwinner. But don’t forget about the parent who stays at home – just because they’re not bringing home the bacon, doesn’t mean they’re not worth
- [Cover Doesn’t Have To Be A Headache](https://essentialinsurance.co.uk/blog/2015/03/04/cover-doesnt-have-to-be-a-headache/) - How migraines can have an effect on your life cover policy. It is commonplace that migraines have no real effect on life insurance, however in severe cases they can cause a rise in your premiums. If you suffer, don’t let this discourage you from sorting out your policy – there are ways to arrange cover
- [Is Work Working Against You?](https://essentialinsurance.co.uk/blog/2015/03/04/is-work-working-against-you/) - ‘Hazardous’ jobs and how they impact on your life insurance. Believe it or not, your occupation has a great impact on the cost of your life insurance policy. The workplace is somewhere we spend a mighty chunk of our precious time, and it possesses risks that insurance companies must evaluate. Some jobs are simply more
- [Timing Is Everything](https://essentialinsurance.co.uk/blog/2015/03/04/timing-is-everything/) - How much time it usually takes to set up your life insurance. One of the most common questions about life cover is how long does it take to set up a policy? The timing it takes from when you apply to when you are covered can vary depending on many factors. The time taken to
- [Family Medical History: Go Through With a Fine Tooth Comb](https://essentialinsurance.co.uk/blog/2015/03/04/family-medical-history-go-through-with-a-fine-toothcomb/) - Declaring your families’ medical history to your insurer. Death can be a pretty sensitive subject. Insurance underwriters may seem to be cold-hearted, sizing you up and calculating your life expectancy, and charging you more if there’s greater risk that you will die early. Unfortunately, that’s how life insurance works. Your insurance provider will always ask
- [Put Your Trust In a Trust](https://essentialinsurance.co.uk/blog/2015/03/04/put-your-trust-in-a-trust/) - ‘Writing in trust’ explained. Writing your policy in trust is one way to keep your money safe from the taxman; doing otherwise can result in your money falling into the clutches of HMRC. Under normal circumstances, if you die your life insurance forms part of your estate and may therefore be subject to inheritance tax.
- [Weird Factors That Affect Your Premiums](https://essentialinsurance.co.uk/blog/2015/03/04/weird-factors-that-affect-your-premiums/) - Does what it says on the tin. There are many different factors that can affect how much your life insurance policy will actually cost you. Like, did you know that your postcode is one of them? Certain postcodes, for example inner city areas, deem people ‘unhealthier’ and therefore have a knock-on effect on price. It’s
- [Why Life Cover?](https://essentialinsurance.co.uk/blog/2015/03/04/why-life-cover/) - A few reasons why life insurance is a becoming must. Buying life insurance can be one of the best financial steps that you take for you and your family. If you have children, or anyone financially dependent on you, you’ll want to ensure than you’re insured. According to the Association of British Insurers, two out
- [Welcome to Essential Insurance!](https://essentialinsurance.co.uk/blog/2015/03/04/welcome-to-essential-insurance/) - Welcome to our blog! Here at Essential Insurance we specialise in helping you get the best deal on life insurance. Essential Insurance provides cover for your family and loved ones in the event of your death. We compare policies from over 30 leading providers and will be there every step of the way to guide
- [Employer Cover vs. Life Insurance Benefits](https://essentialinsurance.co.uk/blog/2015/04/27/employer-cover-vs-life-insurance-benefits/) - How much cover does death-in-service really provide? Is it sufficient? Some employers in the UK offer a type of cover akin to life insurance, known as death-in-service benefit. While there are some similarities, it’s important to know the difference between the two – here we will explain the key points you need to know. Taking
- [Helping you to secure your loved ones’ future: The peace of mind that comes with writing a Will](https://essentialinsurance.co.uk/blog/2023/04/17/helping-you-to-secure-your-loved-ones-future-the-peace-of-mind-that-comes-with-writing-a-will/) - According to consumer research from IRN Legal Reports published in November 2022, only 35% of the UK adult population has made a Will. You may assume that there is no need to make a Will and that your loved ones will inherit your estate anyway, or you may simply have “just not got around to
- [Critical Illness Cover – is it worth it?](https://essentialinsurance.co.uk/blog/2023/03/14/critical-illness-cover-is-it-worth-it/) - A record £6.8 billion was paid out in individual and group life insurance, income protection and critical illness claims in 2021, according to the latest figures from the Association of British Insurers (ABI). More than £1.2 billion was paid out to critical illness claimants and over 18,000 new claims were paid. Critical illness cover provides
- [Essential Insurance is Feefo Platinum Awarded for fourth year in a row](https://essentialinsurance.co.uk/blog/2023/01/23/essential-insurance-is-feefo-platinum-awarded-for-fourth-year-in-a-row/) - 23 JANUARY 2023, it is with great pride that we announce Essential Insurance has won the Feefo Platinum Trusted Service Award for the fourth consecutive year. This independent seal of excellence recognises businesses for delivering exceptional experiences, going above and beyond, as rated by real customers. Being one of the first companies to win the
- [When access to the NHS is a problem, your life insurer could be a life saver](https://essentialinsurance.co.uk/blog/2022/12/07/when-access-to-the-nhs-is-a-problem-your-life-insurer-could-be-a-life-saver/) - With demand for hospital treatment outstripping capacity even before COVID-19, it is no surprise that the demands of delivering care during a pandemic have led to significant backlogs and longer waits for patients. The British Medical Association (BMA) provides regular analysis on NHS capacity and their latest update states that more patients than ever are
- [The fight against diabetes and how life insurance could help you](https://essentialinsurance.co.uk/blog/2022/11/30/the-fight-against-diabetes-and-how-life-insurance-could-help-you/) - As November ends, so does Diabetes Awareness Month. However, this doesn't mark the end to the fight against the chronic disease, that an estimated 9% of the UK adult population battle daily. There’s much miseducation with diabetes, and those with the condition tackle both physical and mental challenges. Worryingly, cases are increasing and the National
- [Be the lighthouse in “the storm”](https://essentialinsurance.co.uk/blog/2022/11/22/be-the-lighthouse-in-the-storm/) - The concluding half of 2022 has been a testing time for mortgage intermediaries, with the combination of increasing interest rates, fluctuating availability of mortgage products, and the energy crisis. This, coupled with alarmist news articles and predicted drop in property prices, have given rise to fear amongst existing borrowers concerned it may impact their loan
- [In tough times, insurance could be your silver lining](https://essentialinsurance.co.uk/blog/2022/10/12/in-tough-times-insurance-could-be-your-silver-lining/) - 91% of adults have reported their cost of living has increased compared with a year ago and almost three-quarters say that their cost of living has gone up in the last month. This according to the latest figures reported by the Office for National Statistics (ONS) from a survey of nearly 5000 households in Great
- [The cost of living without protection insurance](https://essentialinsurance.co.uk/blog/2022/08/22/the-cost-of-living-without-protection-insurance/) - Without doubt current cost-of-living crisis is hitting us hard. According to a Government report published in June this year, around three in four adults (77%) reported feeling very or somewhat worried about the rising costs of living and already around 60% of adults have reported spending less on non-essential items in response to rising costs.
- [Mitigating risks for SMEs](https://essentialinsurance.co.uk/blog/2022/03/23/essential-information-mitigating-risks-for-smes/) - Government figures show there are 5.6 million private sector businesses in the UK, with 98% of these businesses employing less than 50 employees. The unprecedented events of the Covid-19 pandemic have massively impacted many of these businesses, their employees, and families. It's reported that for 1 in 5 businesses recovery from the pandemic is their
- [Essential information: why choose to protect your income?](https://essentialinsurance.co.uk/blog/2022/02/14/essential-information-why-choose-to-protect-your-income/) - Nobody wants to worry about how they'll pay their mortgage, rent or bills if you get sick or injured and can't work. However, over the course of a year (pre-Covid), around 1.4m working-aged people have at least one sickness absence lasting four weeks or longer – that’s 1 in 25 people employed. If something happened
- [Essential information: why choose protection cover?](https://essentialinsurance.co.uk/blog/2022/02/03/essential-information-why-choose-protection-insurance/) - According to Financial Conduct Authority (FCA) estimates, there are over 16 million UK adults who have already bought a life insurance policy, but far fewer people take out critical illness cover or income protection. Sharon lived a normal and healthy life and was working for a large company as Head of Quality and Compliance when
- [Essential Insurance wins prestigious Feefo Platinum Trusted Service Award for third consecutive year](https://essentialinsurance.co.uk/blog/2022/01/20/essential-insurance-wins-prestigious-feefo-platinum-trusted-service-award-for-third-consecutive-year/) - 20 JANUARY 2022, it is with a huge amount of pride that we announce Essential Insurance has won the Feefo Platinum Trusted Service award for a third time - an independent seal of excellence that recognises businesses for delivering exceptional experiences, and going above and beyond, as rated by real customers. Essential Insurance was one
- [Life and critical illness cover aren’t just for people with mortgages…](https://essentialinsurance.co.uk/blog/2022/01/10/life-and-critical-illness-cover-arent-just-for-people-with-mortgages/) - Since the early 2000’s the private rental sector has doubled in size. In 2020-21, the private rented sector accounted for 4.4 million or 19% of households and the number of households renting privately with dependent children has risen - with around 30% of private rental households having dependent children. According to a survey by the
- [Should you be financially prepared for serious illness?](https://essentialinsurance.co.uk/blog/2021/11/10/should-you-be-financially-prepared-for-serious-illness/) - For many people the global pandemic has been a harsh prompt of our own mortality and why it's important to look after your health and well-being. Being diagnosed with a critical illness is not something anyone likes to think about, but the pandemic has served as a bitter reminder of the importance of being prepared
- [Protecting your family’s future in times of crisis](https://essentialinsurance.co.uk/blog/2021/09/22/protecting-your-familys-future-in-times-of-crisis/) - As we meander our way out of the pandemic towards a state of near normality, who'd have thought that we would fast forward straight into the path of yet another crisis that will cause us to question once again how can we protect our families? This weeks news is of the ‘energy price crisis’, a
- [NHS backlog: are we heading for a second health crisis?](https://essentialinsurance.co.uk/blog/2021/07/06/nhs-backlog-are-we-heading-for-a-second-health-crisis/) - Recent weeks have hailed the COVID-19 vaccination programme a huge success and we’ve seen that the vaccine has weakened the link between cases, hospitalisation, and death. Nevertheless, charities and health organisations have warned the COVID-19 pandemic continues to have a "catastrophic" impact on NHS services - as the number of people in England waiting to
- [Safeguarding your company assets: protect your people](https://essentialinsurance.co.uk/blog/2021/05/19/safeguarding-your-company-assets-protect-your-people/) - Business owners are well accustomed to operating in dynamic risky environments, and will undoubtedly experience difficult times along the way – and now, triggered by the global pandemic, threats to business stability have multiplied. Business continuity plans have been thoroughly tested and companies are making changes to their operations as a priority as we meander
- [1 in 3 businesses without protection despite growing awareness of risk](https://essentialinsurance.co.uk/blog/2021/04/07/1-in-3-businesses-without-protection-despite-growing-awareness-of-risk/) - A Vitality study conducted amongst more than 500 business owners in February this year has found that a third (34%) of business owners admitted their organisations would fail if they or a key member of staff passed away or had a severe terminal illness – and yet they still aren’t insuring against the impact of
- [Insurers will pay out £2.5bn for coronavirus claims made in 2020](https://essentialinsurance.co.uk/blog/2021/03/02/insurers-will-pay-out-2-5bn-for-coronavirus-claims-made-in-2020/) - According to the latest estimates from the Association of British Insurers (ABI) its members expect to pay up to £2.5 billion for Covid-19 insurance claims incurred in 2020. Previously we reported that Lloyd’s had estimated a £500 million cost of UK Covid-19 claims, taking the current overall estimate up to £3 billion for all UK
- [Putting your life insurance in trust](https://essentialinsurance.co.uk/blog/2021/01/27/trust/) - Your life insurance policy is a significant asset and putting your life insurance in trust is one of the best ways to protect your family’s future - because it allows you to manage the way your beneficiaries receive their inheritance. What is a trust? Your life insurance policy can be put into a trust, which
- [Essential Insurance once again receives prestigious Feefo Platinum Award](https://essentialinsurance.co.uk/blog/2021/01/21/essential-insurance-once-again-receives-prestigious-feefo-platinum-award/) - 21 JANUARY 2021, it is with great pride that we announce Essential Insurance has won the Feefo Platinum Trusted Service award for a second time - an independent seal of excellence that recognises businesses for delivering exceptional experiences, time and time again, as rated by real customers. Created by Feefo and launched last year, Essential
- [Reasons why life insurance could make a great gift this Christmas](https://essentialinsurance.co.uk/blog/2020/11/25/reasons-why-life-insurance-could-make-a-great-gift-this-christmas/) - ‘Tis the season to be jolly… or as Boris has warned, to be jolly careful! Nevertheless, at least we can try and bring a little joy to this year at Christmas by giving gifts, which will give us all something to look forward to, even if we may not be able to see all our
- [Essential Insurance proud sponsors of Beechwood Cancer Care ‘Messy Play’](https://essentialinsurance.co.uk/blog/2020/11/09/essential-insurance-proud-sponsors-of-beechwood-cancer-care-messy-play/) - We are delighted that that Essential Insurance will be Beechwood’s ‘Messy Play Sponsor, 2021’. This will enable Beechwood Cancer Care Creative Arts and Therapies Practitioner to purchase all the relevant materials required for therapeutic ‘messy play’ sessions. The onset of the coronavirus pandemic has left the economy in serious financial trouble. And charities are no
- [The true potential of protection insurance](https://essentialinsurance.co.uk/blog/2020/09/28/the-true-potential-of-protection-insurance/) - The implications of the coronavirus pandemic are being felt by all of us around the world and without doubt these are extraordinary times, however we are working closely with all the major UK providers of protection insurance, determined to do the right thing by our customers and to be here for you when you need
- [Protection insurance industry continues to provide a valuable role during coronavirus crisis](https://essentialinsurance.co.uk/blog/2020/06/23/protection-insurance-industry-continues-to-provide-a-valuable-role-during-coronavirus-crisis/) - As the implications of the coronavirus pandemic are being felt by all of us around the world we, like the whole insurance industry, are working to support our customers through this difficult time and respond to the changing world that we are living in. As of 5pm on 21 June, over 300,00 people in the
- [Experts warn coronavirus crisis could lead to more cancer deaths](https://essentialinsurance.co.uk/blog/2020/06/11/experts-warn-coronavirus-crisis-could-lead-to-more-cancer-deaths/) - Prior to the Covid-19 crisis, it was reported that every 2 minutes someone in the UK is diagnosed with cancer, every 7 minutes someone will have a heart attack, and every 12 minutes someone will have a stroke. These are undeniably worrying health statistics, but now experts Professor Harry Hemingway & Dr Alvina Lai (UCL
- [Insurance industry provides welcome news in uncertain times](https://essentialinsurance.co.uk/blog/2020/05/15/insurance-industry-provides-welcome-news-during-uncertain-times/) - During worrying times like these, being able to have the confidence that, if the worst did happen, you’d get a successful life insurance pay out if you, or your family, ever had to make a claim, is more important than ever. New figures released last week by the Association of British Insurers (ABI) and Group
- [ESSENTIAL INSURANCE ADDS TO SENIOR TEAM TO CONTINUE ITS PARTNERSHIP GROWTH](https://essentialinsurance.co.uk/blog/2020/02/11/essential-insurance-adds-to-senior-team-to-continue-its-partnership-growth/) - 11th February 2020, Essential Insurance, one of the UK’s largest personal, business and HNW protection insurance brokers - specialising in life insurance, income protection, critical illness cover and group risk - today announced the appointment of David Jackson as Relationship Director. Jackson will oversee the future growth of Essential Insurance’s partnerships and the Essential Insurance
- [ESSENTIAL INSURANCE FIRST TO WIN PLATINUM TRUSTED SERVICE AWARD](https://essentialinsurance.co.uk/blog/2020/01/27/essential-insurance-first-to-win-platinum-trusted-service-award/) - Essential Insurance is proud to be one of the first companies to win the Feefo Platinum Trusted Service award. The prestigious Platinum Trusted Service award is reserved only for those businesses that go above and beyond to provide a consistently excellent service and dedicate themselves to acing their customer experience year after year. Created by Feefo,
- [Insurance Experts Launch New Website for Essential Life Protection](https://essentialinsurance.co.uk/blog/2015/04/17/essential-launch-release/)
- [How to buy life insurance and get it right](https://essentialinsurance.co.uk/blog/2019/11/13/how-to-buy-life-insurance-and-get-it-right/) - As parents, we want to see our children grow up happy, healthy, safe, secure and successful. The thought of not being there, and the effect that would have on them, is almost too distressing to think about. However regrettably, a parent of a child under 18 dies every 22 minutes in the UK, that’s more
- [A monthly payment could become your life saver](https://essentialinsurance.co.uk/blog/2019/10/16/a-monthly-payment-could-become-your-life-saver/) - It's not nice to think about what would happen if you found yourself unable to work because of a serious illness. Far too many of us adopt an ostrich-like response that the worst will never happen, or we choose to ignore how far our lifestyle could be devastated - that’s why protecting our lives and
- [5 reasons to choose Essential Insurance to help protect your family’s future.](https://essentialinsurance.co.uk/blog/2019/10/01/5-reasons-to-choose-essential-insurance-to-help-protect-your-familys-future/) - We understand everyone’s unique. That’s why we offer a service that is tailored to the needs of our customers looking for life insurance – a personal service designed to provide the help, advice, and support that our customers truly value. But don’t just take our word for it – you can read here what a
- [Small businesses: you can't predict the future, but you can protect it with key person insurance.](https://essentialinsurance.co.uk/blog/2019/09/04/small-businesses-you-cant-predict-the-future-but-you-can-protect-it-with-key-person-insurance/) - Figures published at the end of last year state that there are 5.6 million small businesses in the UK that employ less than 50 people. If you run a small business, it’s likely that you’ll rely much more heavily on the individual members of your workforce than much larger companies do. With people taking on
- [A third of UK homeowners with a mortgage direct from a lender have no protection policy in place](https://essentialinsurance.co.uk/blog/2019/07/30/a-third-of-uk-homeowners-with-a-mortgage-direct-from-a-lender-have-no-protection-policy-in-place/) - Legal & General Mortgage Club has revealed that over a third (34%) of consumers who purchased their mortgage direct from a lender have absolutely no protection policy in place, such as Life Insurance, Critical Illness Cover or Income Protection. The research, which included a survey of over 2,000 UK homeowners, highlighted that many consumers are
- [UK employment rate at record high](https://essentialinsurance.co.uk/blog/2019/07/09/uk-employment-rate-at-record-high/) - The latest figures released by the Office for National Statistics (ONS) show that UK employment levels have reached a record high - the UK employment rate was estimated at 76.1%, the joint-highest on record. Jobs requiring more qualifications, particularly in sectors like technology and science, continued to show the biggest increase. Higher skilled roles made
- [Record protection payouts recorded - proving it does pay to be insured!](https://essentialinsurance.co.uk/blog/2019/05/01/record-protection-payouts-recorded-proving-it-does-pay-to-be-insured/) - If you’ve ever doubted, or wondered whether if the worst did happen, you’d get a successful payout if you, or your family, ever had to make a claim, you need not worry. New figures released today by the Association of British Insurers (ABI) and Group Risk Development (GRiD) show that the insurance industry paid out
- [Essential Insurance joins the Protection Distributors Group](https://essentialinsurance.co.uk/blog/2019/04/11/essential-insurance-joins-the-pdg/) - We are pleased to confirm that Essential Insurance is one of the latest firms to join the Protection Distributors Group (PDG). The PDG was formed in 2016 to drive change in the protection market and encourage insurers and intermediaries to deliver better consumer outcomes. Over the past three years the group has helped improve the
- [Business protection insurance could increase the odds of business survival](https://essentialinsurance.co.uk/blog/2019/04/09/business-protection-insurance-could-increase-your-odds-of-business-survival/) - The UK is home to around 5.7 million small and medium-sized enterprises (SMEs), which accounts for over 99% of all UK businesses [the usual definition of an SME is any business with fewer than 250 employees]. However, when Turner Little, company formation agents, scraped data from Companies House for insights in relation to company survival
- [Could you bounce back from an unexpected income shock?](https://essentialinsurance.co.uk/blog/2019/03/18/could-you-bounce-back-from-an-unexpected-income-shock/) - We live in an increasingly uncertain world. In fact, for more and more people in the UK, economic insecurity has become the ‘new normal’ with at least 70% of the UK’s working population ‘chronically broke’, according to a recent study reported in the Guardian. The truth it seems is that few of us are prepared
- [Every working adult in the UK should consider this…](https://essentialinsurance.co.uk/blog/2019/02/26/every-working-adult-in-the-uk-should-consider-this/) - Which? Magazine has recently confirmed that one protection policy every working adult in the UK should consider is 'Income Protection' – but if you ask your friends or colleagues whether they know what income protection is, we expect that you might be met with a blank look. The Money Advice Service backs the consideration of
- [FOUR IN A ROW - ESSENTIAL INSURANCE RECEIVES FEEFO GOLD TRUSTED SERVICE AWARD 2019](https://essentialinsurance.co.uk/blog/2019/02/04/four-in-a-row-essential-insurance-receives-feefo-gold-trusted-service-award-2019/) - 4th February 2019, Essential Insurance is proud to have won the Feefo Gold Service award for a fourth consecutive year. The award is an independent seal of excellence that recognises businesses for delivering exceptional experiences, as rated by real customers. Created by Feefo, Trusted Service is awarded only to those businesses that use and meet the
- [Crowdfunded funerals are on the rise](https://essentialinsurance.co.uk/blog/2019/01/30/crowdfunded-funerals-are-on-the-rise/) - According to the BBC in 2018, the funeral of a Big Issue North seller was paid for through donations raised online, but just how common are crowdfunded funeral services nowadays? Donors and well-wishers made sure Peter Toulson received a "funeral befitting of a proud, dignified, lovely man". The magazine vendor died in December 2016, aged 53, and
- [Every pound of lending is a pound that needs protecting - could a partnership with a protection specialist be the answer?](https://essentialinsurance.co.uk/blog/2018/11/27/every-pound-of-lending-is-a-pound-that-needs-protecting-could-a-partnership-with-a-protection-specialist-be-the-answer/) - Latest statistics released by the Bank of England and the Financial Conduct Authority (FCA) have shown that 2018 Q2 has seen an increase in mortgage lending activity when compared with the previous quarter. New lending that lenders have agreed to advance in coming months are at their highest level since 2008 Q1 and there has
- [Budget 2018 and other reasons why cohabiting couples might consider marriage](https://essentialinsurance.co.uk/blog/2018/10/31/budget-2018-and-other-reasons-why-cohabiting-couples-might-consider-marriage/) - Official figures show that unmarried couples living under one roof are the fastest growing family type in the UK, more than doubling from 1.5 million families in 1996 to 3.3 million in 2017. However, with a growing proportion of people choosing to cohabit without marrying or entering into a civil partnership, it is troubling that
- [Life insurance myths busted](https://essentialinsurance.co.uk/blog/2018/10/10/top-life-insurance-myths-busted/) - Life insurance is an important part of financial planning and each day families welcome the benefit financially from insurers. The Association of British Insurers (ABI) recently reported that insurers pay out £13.9m per day in income protection, critical illness cover and life assurance. Roshani Hewa, Assistant Director, Head of Health and Protection at the ABI, says:
- [Can Brits afford not to insure their homes?](https://essentialinsurance.co.uk/blog/2018/09/24/can-brits-afford-not-to-insure-their-homes/) - The jaw-dropping value of possessions owned by the UK’s 27 million households, and the amount that is uninsured was laid bare earlier this year by the Association of British Insurers (ABI). The value of the UK’s household contents is now nudging towards £1 trillion (one million million: £1,000,000,000,000), with the value of possessions owned by
- [It’s no fairy tale - income protection could offer financial security to ‘Peter Pan’ generation](https://essentialinsurance.co.uk/blog/2018/09/03/its-no-fairy-tale-income-protection-could-offer-financial-security-to-peter-pan-generation/) - A new study from LV= reveals that people in their early thirties are putting off life milestones such as having children or buying a home, due to being one of the least financially resilient groups in the UK. Dubbed the ‘Peter Pan’ generation, too many of this age group feel financially insecure, so much so, that
- [Life insurance – a little advice could go a long way](https://essentialinsurance.co.uk/blog/2018/08/22/life-insurance-a-little-advice-could-go-a-long-way/) - These days we are fortunate, there has never been so much choice of insurance products designed to help us protect our loved ones. However, like so many things in personal finance, this can be a mixed blessing: on the plus side, with more variety comes the ability to tailor insurance policies specifically to our needs,
- [It does pay to be insured](https://essentialinsurance.co.uk/blog/2018/07/30/it-does-pay-to-be-insured/) - If you’re thinking about taking out life insurance, we understand that you may have concerns about the likelihood of a successful payout if you, or your family, ever had to make a claim. We’ve all heard the horror stories, but thankfully these are very few and far between and that’s why the industry publishes its
- [LIFE HAPPENS – LET’S TAKE CARE OF IT](https://essentialinsurance.co.uk/blog/2018/07/16/life-happens-lets-take-care-of-it/) - Sadly, by the age of 16, around 1 in 20 young people will have experienced the death of one or both of their parents according to the childhood bereavement network. As a parent, it’s heart-breaking to think that at least one of my daughter’s classmates may end up going through such a traumatic experience - and
- [“That feeling… knowing the people you care about will always be looked after – priceless!”](https://essentialinsurance.co.uk/blog/2018/06/25/that-feeling-knowing-the-people-you-care-about-will-always-be-looked-after-priceless/) - Not many people like to talk about death and even though you never know what’s around the next corner, for some people the thought of considering buying life insurance fills them with dread, for others it may seem daunting, dear and dull. As a broker who advises people about life insurance we obviously see things
- [Millions of hard-working couples are ill-prepared for financial shocks](https://essentialinsurance.co.uk/blog/2018/03/26/millions-of-hard-working-couples-are-ill-prepared-for-financial-shocks/) - Latest research from LV= has found that there are 3.2 million working couples in Britain that are open to financial ruin if one of the two loses their earnings. They have classed this group as ‘Double Income, No Option’ households (DINOs) which means they are dependent on two incomes to make ends meet and would
- [Mums are like buttons…They hold everything together](https://essentialinsurance.co.uk/blog/2018/03/05/mums-are-like-buttonsthey-hold-everything-together/) - It’s almost Mother’s Day when, on the fourth Sunday in Lent, that’s the 11th March this year, many of us will be showing our true love and appreciation to our Mums with chocolates, flowers, and breakfast in bed. If you’re a mum, the things you do are valued and they will last your children's lifetime.
- [Essential Insurance Recognised For Excellent Customer Service](https://essentialinsurance.co.uk/blog/2016/02/04/essential-insurance-recognised-for-excellent-customer-service/) - The annual Feefo Trusted Merchant accreditation, that recognises the hard-work and excellent customer service that merchants consistently deliver, in the eyes of their genuine customers, has been announced for 2016. [Feefo are an independent ratings company. They send out a short survey to you when you buy insurance through us. To give you the opportunity
- [ESSENTIAL INSURANCE 'GOLD' CUSTOMER SERVICE AWARD FOR THIRD CONSECUTIVE YEAR](https://essentialinsurance.co.uk/blog/2018/02/15/essential-insurance-gold-customer-service-award-for-third-consecutive-year/) - 15th February 2018, Essential Insurance is proud to have won the Feefo Gold Service award for a third consecutive year. The award is an independent seal of excellence that recognises businesses for delivering exceptional experiences, as rated by real customers. Created by Feefo, Trusted Service is awarded only to those businesses that use Feefo to
- [‘It would be a crime to ignore life insurance’](https://essentialinsurance.co.uk/blog/2018/02/06/it-would-be-a-crime-to-ignore-life-insurance/) - "It would be a crime to ignore life insurance" was the attention-grabbing headline, published earlier this week by The Sunday Times, accompanied with an image of Walter White from the hit TV series Breaking Bad. Suitably so, because in the series White turned to crime, after being diagnosed with terminal cancer, to provide for the
- [3 in 10 of all British SMEs have experienced loss of a key employee due to serious illness](https://essentialinsurance.co.uk/blog/2018/01/22/3-in-10-of-all-british-smes-have-experienced-loss-of-a-key-employee-due-to-serious-illness/) - Construction giant Carillion is the latest company to hit the headlines for going into liquidation, with claims that the company is crippled by debts and thousands of jobs are at risk. However, stories like this are not isolated. According to the latest Insolvency Service figures for corporate insolvencies, in the 12 months ending Q3 2017,
- [How life insurance could help you achieve your New Year resolutions](https://essentialinsurance.co.uk/blog/2018/01/08/how-life-insurance-could-help-you-achieve-your-new-year-resolutions/) - According to a survey conducted by YouGov in December last year, 1 in 5 Brits intended to make New Year resolutions – 25% of all women surveyed. Although, YouGov also reports that in 2017 a quarter of those who made resolutions failed to keep to any of them! In fact, of those people who had
- [Is your business protected?](https://essentialinsurance.co.uk/blog/2017/12/05/is-your-business-protected/) - Have you ever stopped to think about what might happen to your business if you lost one of your key members of staff? You might already have insured your premises, equipment and stock, but what about the people who play the biggest part in your organisation’s success? For example, if your best sales person became
- [Keeping wealth in the family](https://essentialinsurance.co.uk/blog/2017/11/29/keeping-wealth-in-the-family/) - There are more millionaires than ever before in the UK - only China, the US and Japan have more, according to Coutts. A survey released earlier this year by Boston Consulting Group found that around 821,000 households in the UK are millionaires, with a combined wealth of £6.5 trillion, up from £6.1 trillion a year
- [Company directors are you missing out on this tax-efficient life insurance?](https://essentialinsurance.co.uk/blog/2017/11/20/company-directors-are-you-missing-out-on-this-tax-efficient-life-insurance/) - The latest records from the Department for Business, Energy and Industrial Strategy show that there are 5.5 million private sector businesses in the UK, 1.3 million employing businesses and 4.2 million non-employing businesses. Meaning that 76% of businesses do not employ anyone aside from the owner. The overall business population includes; 3.3 million sole proprietorships,
- [Self-employed workers risk losing money due to lack of personal protection](https://essentialinsurance.co.uk/blog/2017/11/08/self-employed-workers-risk-losing-money-due-to-lack-of-personal-protection/) - If you’re self-employed, or thinking about going down that road, the Money Advice Service recommend that you consider your personal insurance options. This is because when you’re self-employed you don’t have an employer to rely on for sick pay - so you need to think about what will happen if you can’t work because of
- [Protect your biggest asset - your income](https://essentialinsurance.co.uk/blog/2017/10/27/protect-your-biggest-asset-your-income/) - If you're one of the 32.14 million people in work in the UK, earning an average weekly wage of around £505 and working an average 37 hours a week, you're probably grateful that you're taking home enough money to pay the mortgage or rent, other household bills and able to provide for your family each
- [2 million people in the UK are off work due to long-term sickness](https://essentialinsurance.co.uk/blog/2017/10/12/2-million-people-in-the-uk-are-off-work-due-to-long-term-sickness/) - The employment rate (the proportion of people aged from 16 to 64 who are in work) is at its highest since comparable records began in 1971 – there are 32 million of us working. But sadly, 2 million people are not in work due to long-term sickness, according to the UK labour market statistics published
- [12 million UK adults suffer hardship due to unexpected ill health or death](https://essentialinsurance.co.uk/blog/2017/10/09/12-million-uk-adults-suffer-hardship-due-to-unexpected-ill-health-or-death/) - Research from Aviva shows, almost a third (31%) of UK adults have experienced temporary or permanent leave from work due to ill health, a cancer diagnosis or even a death of a long-term partner. Sadly, more than three quarters (77%) of these have seen their finances suffer, equivalent to 12.3 million people. Aviva’s report shows the reality
- [Widowed parents and children lose out under new scheme](https://essentialinsurance.co.uk/blog/2017/10/02/widowed-parents-and-children-lose-out-under-new-scheme/) - In April, the Bereavement Support Payment was introduced, replacing the Bereavement Payment, Widowed Parent’s Allowance and Bereavement Allowance. Intended to provide a more streamlined benefit, the net gainers of this benefit are those under 45 with no children, with the losers of this new payment those with children, particularly those with younger children. According to
- [Funeral costs soar 4.7% in a year, to over £4,000](https://essentialinsurance.co.uk/blog/2017/09/25/funeral-costs-soar-4-7-in-a-year-to-over-4000/) - The annual Cost of Dying report, published this month by SunLife, reveals that the cost of a basic funeral has risen for the 14th year in a row and now stands at £4,078, an increase of 4.7% in just one year and a huge rise of 112% since they started tracking funeral pricing in 2004.
- [‘Generation Rent’ exposed to financial risk](https://essentialinsurance.co.uk/blog/2017/09/18/generation-rent-exposed-to-financial-risk/) - The percentage of households privately renting in the UK is ‘on the up’ according to a report published by the Department for Work and Pensions earlier this year and the percentage of 35-44-year olds privately renting has more than doubled in the last ten years. If you're one of the millions of people in the
- [Debt caused by rising funeral costs reaches an all-time high](https://essentialinsurance.co.uk/blog/2017/09/04/debt-caused-by-rising-funeral-costs-reaches-an-all-time-high/) - The Royal London National Funeral Cost Index 2017 reveals the average cost of a funeral has increased by 3% from 2016 and now stands at £3,784. Funeral debt has also risen to an all-time high of £160 million as people borrow from friends and family or the bank to cover funeral costs and give their
- [Mistrust could put families at unnecessary risk](https://essentialinsurance.co.uk/blog/2017/08/29/mistrust-could-put-families-at-unnecessary-risk/) - Over the years, you may have read tabloid stories exclaiming, “Mother-of-two dying of ovarian cancer is refused life insurance pay out". Disturbing news, if you’re one of the 26% of UK adults who are regularly paying your life insurance premiums. After all, what’s the point of making regular payments if, when the worst happens, the
- [Parents tell of the life-changing impact illness can have on family finances](https://essentialinsurance.co.uk/blog/2017/08/21/parents-tell-of-the-life-changing-impact-illness-can-have-on-family-finances/) - More than one in four (27%) families have experienced a loss of income due to ill-health, serious illness or death within the family, according to a study by Aviva. The experiences of families who have encountered an unexpected loss of income have been published in Aviva's Protecting Our Families report. Their research suggests that such experiences
- [The true value of life insurance](https://essentialinsurance.co.uk/blog/2017/08/14/the-true-value-of-life-insurance/) - Coming to terms with the death of a loved one is hard enough. But with the possible added financial pressure of losing an income, this can make a distressing situation even more difficult to cope with. Yet, in a recent survey conducted by Aviva, 68% had no plan for dealing with the death of either
- [Almost half of UK adults say life insurance is essential](https://essentialinsurance.co.uk/blog/2017/08/07/almost-half-of-uk-adults-say-life-insurance-is-essential/) - 47% of all people in a recent survey commissioned by Royal London say that life insurance is essential for anyone with a mortgage or dependants. However, whilst so many of us recognise a need for protection cover this doesn’t necessarily translate into an action to buy. The research was done to find out why. The
- [The cost of being ill](https://essentialinsurance.co.uk/blog/2017/07/24/the-cost-of-being-ill/) - When there is a vicious bug going around the office or if someone you know has a terrible cold, have you ever thought, ‘please don’t let me get ill, I can’t afford to be off work’? I know I have – because I’m worried about my workload and having to catch-up if I miss a
- [More Brits insure their phone and their pet, than take out critical illness cover](https://essentialinsurance.co.uk/blog/2017/07/18/more-brits-insure-their-phone-and-their-pet-than-take-out-critical-illness-cover/) - I know how much people love their pets (and how much it can cost to pay vet fees). I also know how much it costs to buy the latest mobile phone and so I understand why many of us choose to take out pet and phone insurance –18% of UK adults for each type of
- [One in four families have lost income due to ill health, serious illness or death](https://essentialinsurance.co.uk/blog/2017/07/13/one-in-four-families-have-lost-income-due-to-ill-health-serious-illness-or-death/) - Figures revealed in a recent report by Aviva show that unexpected loss of income is sadly much more common than people might think - with 27% of people surveyed experiencing a loss of income due to ill health, serious illness or death, 11% experiencing long-term loss of income and 7% permanent loss of income. But
- [Tony’s story: there’s no pressure financially to get back to work…](https://essentialinsurance.co.uk/blog/2017/07/03/tonys-story-theres-no-pressure-financially-to-get-back-to-work/) - …” That’s been the most important thing; that I can recover from this properly.” Married with two young children, Tony from Hertfordshire had always considered himself a fit and healthy person who led an active and busy life. When he was diagnosed with a succession of chest infections in the Spring of 2015, Tony just
- [Chris’s story: you never know what’s around the corner…](https://essentialinsurance.co.uk/blog/2017/06/30/chriss-story-you-never-know-whats-around-the-corner/) - … “but following the operation, I’m lucky enough to have now made a full recovery so I’m able to look forward again.” Chris, who was diagnosed with bowel cancer when she was 54, recalls the moment her worst fears were confirmed. “It was a long and difficult day with lots of very raw emotion,” she
- [5 reasons why ‘Millennials’ should think about life insurance sooner](https://essentialinsurance.co.uk/blog/2017/06/23/5-reasons-why-millennials-should-think-about-life-insurance-sooner/) - Today, Millennials, young adults or you (if you're aged 18-30) face numerous financial challenges in addition to everything else they have to tackle - from confronting student loan debt to working out how to save for retirement. Budgeting, enjoying the summer festival season and paying back debts are a priority. As a result typically one
- [UK employees just one month from the breadline](https://essentialinsurance.co.uk/blog/2017/06/12/uk-employees-just-one-month-from-the-breadline/) - Research from Legal & General’s ‘Deadline to Breadline’ has shown that on average UK employees could be on the breadline in just 32 days if they lost their main source of income – an extremely short period of time for someone to find a new job, but what if the reason for your loss of
- [It won’t happen to me…](https://essentialinsurance.co.uk/blog/2017/06/12/it-wont-happen-to-me/) - Every 2 minutes someone in the UK is diagnosed with cancer. Every 7 minutes someone in the UK will have a heart attack. Every 12 minutes someone in the UK will have a stroke. And yet so many of us are without a plan in place to help ourselves or our loved ones cope financially
- [Have you got it covered?](https://essentialinsurance.co.uk/blog/2017/05/22/have-you-got-it-covered/) - One of the benefits of buying protection insurance (such as life insurance, critical illness cover and income protection) is peace of mind – but it’s not enough to simply have this kind of insurance – you need to have the right insurance. By right, we mean insurance that will cover you, without needless expense, for
- [One in Five Workers Could Be 'financially ruined' If They Fall Ill](https://essentialinsurance.co.uk/blog/2016/10/24/one-in-five-workers-could-be-financially-ruined-if-they-fall-ill/) - 20% of UK workers ‘have no idea' how they would cope financially if ill health forced them to stop working for six months or more, according to recent Wealth and Protection Survey. This means millions of us working in Britain are financially vulnerable, without a back-up plan to deal with the financial impact
- [Life insurance could cost a lot less than you think.](https://essentialinsurance.co.uk/blog/2017/05/21/life-insurance-could-cost-a-lot-less-than-you-think/) - How much does life insurance cost? Probably a lot less than you think. A recent study of 2000 people by Royal London found that almost one in three of those who do not have life insurance thought it was too expensive, yet the reality is premiums can cost as little as £6 a month. If
- [Most life insurance claims are paid, fact!](https://essentialinsurance.co.uk/blog/2017/05/21/most-life-insurance-claims-are-paid-fact/) - Having insurance to protect your family against the loss of life, or a critical illness, can provide peace of mind for many people. The trouble is, many more people are sceptical. A recent survey undertaken by Aviva, one of the largest insurance providers in the UK, found that just 47% of UK adults thought that
- [How old should you be to get life insurance?](https://essentialinsurance.co.uk/blog/2017/05/21/how-old-should-you-be-to-get-life-insurance/) - I often get asked, “what is the right age to buy life insurance?” and I reply, “the right time to buy life insurance should not be based on your age… it should be based on your need. Few people rush out to buy life insurance – it’s not a glamorous purchase and nobody really wants
- [Plan for the worst, hope for the best - think about life insurance!](https://essentialinsurance.co.uk/blog/2017/05/19/plan-for-the-worst-hope-for-the-best-think-about-life-insurance/) - It’s not pleasant to talk about death, but we know that sadly it comes to us all. But did you know that if you have children, the amount of bereavement benefits you’ll receive from the Government has been drastically reduced? Government changes from 6 April 2017, mean the long-term financial safety net that widowed parents
- [Can you afford life insurance?](https://essentialinsurance.co.uk/blog/2017/05/19/can-you-afford-life-insurance/) - According to a YouGov Life and Health Protection report, affordability is the key reason why more people do not take up life insurance. 34% of people said that they cannot afford to invest in it. If they could afford it, 29% say they would at least consider having a policy. 22% say they do not
- [Today there are more female breadwinners, but almost half of women working in the UK are without protection insurance](https://essentialinsurance.co.uk/blog/2017/05/19/female_breadwinner/) - The number of women in the workplace continues to rise and there are currently 14.53 million women working in the UK, the joint-highest level since records began in 1971. The growing importance of the female workforce is highlighted in new research from Aegon, which finds two in five (40%) of women are now the main breadwinners
- [Millions of Britons under-protected against serious illness](https://essentialinsurance.co.uk/blog/2017/03/14/millions-of-britons-under-protected-against-serious-illness/) - Thinking about serious illnesses such as cancer or heart disease is difficult and we all hate talking about uncomfortable things – but unfortunately people do get ill, seriously ill - and it is our job to help people be prepared financially should they experience unexpected income loss due to illness. Figures from Cancer Research UK
- [Essential Insurance Awarded Feefo Gold Trusted Service Award 2017](https://essentialinsurance.co.uk/blog/2017/02/21/essential-insurance-awarded-feefo-gold-trusted-service-award-2017/) - 21st February 2017, we are delighted to announce that Essential Insurance has won a Feefo Gold Service award, an independent seal of excellence that recognises businesses for delivering exceptional experiences, rated by real customers. Trusted Service is awarded to businesses that use Feefo to collect genuine ratings and reviews and consistently deliver high standards of
- [Essential Insurance Wins At The Legal & General Business Quality Awards](https://essentialinsurance.co.uk/blog/2017/02/09/legal-general-business-quality-awards/) - Legal & General have just announced the winners of its 6th annual Business Quality Awards (BQAs) and we’re delighted to be named a winner! Legal & General are the UK's No 1 life insurance provider1 and they launched these awards in 2011 to recognise the hard work IFAs and Network Advisers have demonstrated towards the
- [Why Bother With Life Insurance?](https://essentialinsurance.co.uk/blog/2016/09/23/why-bother-with-life-insurance/) - Click 'READ MORE' to watch this short video where we look at the main reasons people consider life insurance. The fact remains that death could be around the corner for any of us and life insurance could provide a real solution to potential financial risk to your family... https://youtu.be/23A_6IINkwQ
- [Don’t Be Haunted by Life Insurance](https://essentialinsurance.co.uk/blog/2016/10/17/dont-be-haunted-by-life-insurance/) - Halloween is just around the corner and whilst our children’s thoughts turn to devilish costumes and dreaded confectionary, us parents (and grandparents) are intent on avoiding morbid matters. Many of us take out insurance for our mobile phones, cars, homes or holidays. However many people, unwilling to face the thought of death, never buy life
- [Five Things That Are More Expensive Than A Life Insurance Policy](https://essentialinsurance.co.uk/blog/2016/10/12/five-things-that-are-more-expensive-than-a-life-insurance-policy/) - Anyone who has children will know that a lot of time is spent worrying about them. You worry about their safety – both in the home and when they are out and about. You worry about their health, whether they are eating enough or too much, whether they’re making friends at school, what they will
- [Is It Time To Review Your Life Insurance?](https://essentialinsurance.co.uk/blog/2016/09/15/is-it-time-to-review-your-life-insurance/) - Making sure you get the most appropriate life insurance cover for your family’s needs is one of the foundations of our business. Having sufficient life insurance protection could mean financial support for your loved ones if the worst should happen. Many factors come into play when determining the “proper level” of life insurance cover. And,
- [“Should I Get Life Insurance Before I Get Pregnant?”](https://essentialinsurance.co.uk/blog/2016/09/06/should-i-get-life-insurance-before-i-get-pregnant/) - Many people don’t think about life insurance until they think about starting a family. In fact, according to a recent YouGov Report there is a significant proportion of the UK population who do not get life insurance at all. Their research found that three out of five (60%) respondents were not covered by any type
- [£10 Million Paid Out Every Day To Help Families Deal With Death, Serious Illness Or Injury](https://essentialinsurance.co.uk/blog/2016/08/02/10-million-paid-out-every-day-to-help-families-deal-with-death-serious-illness-or-injury/) - Overall, £3.6 billion was paid out in protection claims, according to the latest published figures from the Association of British Insurers (ABI), which means that every day, insurers paid out more than £10m to help individuals and their families cope with the financial strains and worries that can be caused by a life changing event.
- [Are Funeral Plans Worth The Money?](https://essentialinsurance.co.uk/blog/2016/07/27/are-funeral-plans-worth-the-money/) - Funerals can be expensive and these days many people are choosing to ‘pay now, die later’ to spread the cost. But does buying a funeral plan save you money? At the time of writing this, the Money Advice Service says that a funeral arranged in the usual way costs on average, £3,702. But they note
- [Planning Your Future](https://essentialinsurance.co.uk/blog/2016/07/19/planning-your-future/) - Have you ever heard the saying "people don’t plan to fail; they fail to plan.” When thinking about protecting the future of your loved ones, this old cliché seems to apply. Planning is not the most exciting of activities, for most of us it isn’t fun – plus it’s often hard to find the time
- [Appointing A Legal Guardian To Protect Your Child’s Future](https://essentialinsurance.co.uk/blog/2016/06/28/appointing-a-legal-guardian-to-protect-your-childs-future/) - As a parent I worry about lots of things. If my daughter will take care when crossing the road? Whether she is old enough to meet her friends at the shopping centre on her own? Whether she is responsible enough to save (or spend wisely) the money that is gifted to her? All of these
- [Do You Rent? Are You Protected?](https://essentialinsurance.co.uk/blog/2016/06/20/do-you-rent-are-you-protected/) - Almost 5 million people who rent their homes in the UK are at risk of being unable to pay their rent if they become too ill to work. Research conducted by YouGov has found that 27% of renters in paid employment said that they knew someone who had struggled in this situation. More than 1
- [Dads Have You Planned For The Future?](https://essentialinsurance.co.uk/blog/2016/06/14/dads-have-you-planned-for-the-future/) - When you become a dad, everything changes. Suddenly, you’re completely responsible – which can be both exciting and worrying. It’s a lifetime of responsibility! One of the first things to consider as a new dad is how you’ll provide for your family and continue to provide for them in the future. With Fathers’ Day on Sunday
- [Protection Insurance A Safer Bet](https://essentialinsurance.co.uk/blog/2016/06/14/protection-insurance-a-safer-bet/) - Royal Ascot is Britain’s most popular race meeting, welcoming approximately 300,000 visitors across five days. Attracting many of the world’s finest racehorses who compete for more than £6.58 million in prize money. There are many different races and cups up to be won and this year’s excitement launched today (14th June). Tomorrow is the most
- [1 in 2 People Will Get Cancer – How Can You Protect Your Family?](https://essentialinsurance.co.uk/blog/2016/05/25/1-in-2-people-will-get-cancer-how-can-you-protect-your-family/) - Latest statistics provided by Cancer Research UK, accessed 25th May 2016, state that 1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime. However, it is important to add that not all cancers kill you. In fact, cancer at an early stage does not
- [Your Child’s Tomorrow – Talking About Their Future](https://essentialinsurance.co.uk/blog/2016/05/17/your-childs-tomorrow-talking-about-their-future/) - All of us want the best for our children, but as they get older and they strive to be more independent (and we try to prise them away from their phones or iPads) it can get more difficult. You soon realise (if you haven’t already) that it is not about telling them what to do,
- [Planning Ahead Eases Burden On Grieving Families](https://essentialinsurance.co.uk/blog/2016/05/06/planning-ahead-eases-burden-on-grieving-families/) - It’s Dying Matters Awareness Week (9-15 May 2016) which gives us all the opportunity to place greater importance on the subjects of dying, death and bereavement. Topics that none of us are totally comfortable with. In fact, death and money are two of the things we find most difficult or inappropriate to talk about. But
- [Talking About Dying Won’t Make It Happen](https://essentialinsurance.co.uk/blog/2016/05/04/talking-about-dying-wont-make-it-happen/) - Every year, approximately half a million people die in England. For three quarters of people, death is not sudden but is expected. None of us like to think about getting ill and dying, but not talking about it won’t make it go away – any more than talking about dying will make it happen sooner.
- [What Will You Leave Behind When You Die?](https://essentialinsurance.co.uk/blog/2016/04/27/what-will-you-leave-behind-when-you-die/) - A few years ago one of the wealthiest and most formidable men in Brazil, Thane Chiquinho Scarpa, hit the headlines when he publicised plans to bury (and have a funeral ceremony for) his prized Bentley convertible so he could drive around the afterlife in style. The story got a lot of media coverage and he
- [Worried About Buying Life Insurance?](https://essentialinsurance.co.uk/blog/2016/04/11/worried-about-buying-life-insurance/) - You've made enquiries, studied your options, you've even spoken to your family and friends about it and now you have decided that having life insurance is a wise choice. For many people, purchasing a life insurance policy is a great choice. But, as with any insurance purchase, you may have concerns and don’t know who to
- [Are You Ready To Be A Parent?](https://essentialinsurance.co.uk/blog/2016/03/30/are-you-ready-to-be-a-parent/) - Before you make that life-changing decision to become a parent, it's important to think about if you're really ready. You may want one and it may be at a good time in your life, but how do you know if you're ready for a baby? Many issues come up for consideration when contemplating parenthood – your
- [Could Sickness Bankrupt You?](https://essentialinsurance.co.uk/blog/2016/03/22/could-sickness-bankrupt-you/) - No one likes to think that something bad will happen to them. But each year close to a million people find themselves unable to work due to serious illness or injury. If you couldn’t work due to a serious illness, how would you manage? Do you think that you could survive on savings, or on
- [Life Insurance For Stay At Home Mums (And Dads)](https://essentialinsurance.co.uk/blog/2016/03/03/life-insurance-for-stay-at-home-mums-and-dads/) - One of the common reasons why people purchase life insurance is to replace income. Should an income earner pass away – especially one who has children depending on them – it could not only be emotionally devastating for the family, but it could also be financially debilitating. If families are suddenly left without incoming cash,
- [Are Insurance Premiums About To Rise?](https://essentialinsurance.co.uk/blog/2016/01/10/are-insurance-premiums-about-to-rise/) - New advice published by the UK’s Chief Medical Officer this month [January 2016] says men and women who drink regularly should consume no more than 14 units a week - equivalent to around seven pints of lager or four large glasses of wine. The new drinking guidelines (the first to be released for 20 years)
- [What Are Your Top 5 Financial Resolutions For 2016?](https://essentialinsurance.co.uk/blog/2016/01/07/what-are-your-top-5-financial-resolutions-for-2016/) - It's the New Year - and we all know what that means: It’s time to be determined, decisive and make some elaborate resolutions that we all know we’ll never be able to stick to! But what if we could make some choices that could really make a difference to our health or wealth? Have you
- [The Elephant In The Room: Talking About Life Insurance](https://essentialinsurance.co.uk/blog/2015/08/21/the-elephant-in-the-room-talking-about-life-insurance/) - It’s not exactly a round-the-dinner-table topic – discussing life insurance can seem daunting at any time. The thought of dying isn’t a nice one, but unfortunately, it’s one that may have to be confronted should you want to safeguard your family’s future. Dealing with this harsh reality is essential for creating a secure financial framework
- [Life Insurance and Smoking: The Facts for Smokers and Quitters](https://essentialinsurance.co.uk/blog/2015/09/23/life-insurance-and-smoking-the-facts-for-smokers-and-quitters/) - What you need to know if you’re looking for life cover and you smoke or if you are thinking of quitting for Stoptober! Smokers do pay more for life insurance, fact! Insurers take the risks posed by smoking seriously and if you smoke your premiums will cost more. So, kicking the habit could be an
- [Had a Baby? Have a Plan: Money Tips for New Parents](https://essentialinsurance.co.uk/blog/2015/09/18/had-a-baby-have-a-plan-money-tips-for-new-parents/) - Having kids means laying the financial foundations for your family. A visit from the stork changes a lot of things. Hopefully, your financial priorities would have changed months ago – planning and budgeting for the new arrival, setting up savings accounts, and not forgetting the appropriate insurance, to safeguard your new family’s future. Although in
- [Back to School, Back to Reality, Back to Life (Insurance).](https://essentialinsurance.co.uk/blog/2015/09/04/back-to-school-back-to-reality-back-to-life-insurance/) - Going back to school can mean different things to different children and to different families. For my daughter it has been an exciting time – starting senior school for the first time – the prospect of meeting new people and feeling very grown-up is motivating. For other children the thought of going back to school
- [Random Acts of Kindness - Pay it Forward](https://essentialinsurance.co.uk/blog/2015/09/11/random-acts-of-kindness-pay-it-forward/) - Whilst fumbling around at the bottom of my handbag to find any loose change that may be hiding to pay for a car park, I was overwhelmed by one woman’s act of kindness. I didn’t know this woman, she was a complete stranger but to spare my further frustration she gifted me seventy pence. It
- [Could Your Life Insurance Pay Out End Up In the Hands Of Your Ex, Rather Than Your Widow(er)?](https://essentialinsurance.co.uk/blog/2015/10/12/could-your-life-insurance-pay-out-end-up-in-the-hands-of-your-ex-rather-than-your-widower/) - Sometimes parting ways with a loved one is the only solution. If divorce is agreed, it’s important to try and manage the estrangement with the minimum of fuss, hurt and expense - which is easier said than done in most cases! If you have children, they, as you’d expect, will be top of mind. You’ll
- [How to Handle a Life Insurance Claim After The Death of a Loved One](https://essentialinsurance.co.uk/blog/2015/09/30/how-to-handle-a-life-insurance-claim-after-the-death-of-a-loved-one/) - Life insurance is for many people, one of the most concerning types of financial arrangements. This could be why only 35% of Britain’s families have life insurance according to Aviva. People can feel very unsettled when they are purchasing the policy… 30% of men and women who participated in the 2015 Insurance Barometer Study in
- [Could Life Insurance Cost More For Processed Meat Eaters?](https://essentialinsurance.co.uk/blog/2015/10/26/could-life-insurance-cost-more-for-processed-meat-eaters/) - Bacon, ham and sausages now sit alongside cigarettes as a definite cause of cancer, the World Health Organisation (WHO) broadcast today. The link between certain types of meat and some forms of cancer, such as bowel cancer, isn’t new - the evidence has been gathering over a number of years. However, today’s announcement is nonetheless
- [Is It Better To Use A Broker For A Life Insurance Quote?](https://essentialinsurance.co.uk/blog/2015/11/20/is-it-better-to-use-a-broker-for-a-life-insurance-quote/) - If you wanted to buy a new car seat for your child to use in the car, you would probably ask your friends or family with children to see what car seats they had purchased. You might do some research online to see what types of car seat were available, at what price. You may also
- [Living Together but Unmarried? The Law May Not Protect Your Family.](https://essentialinsurance.co.uk/blog/2015/11/03/living-together-but-unmarried-the-law-may-not-protect-your-family/) - Whilst in the UK there are 12.5 million married couple families, cohabiting couple families are the fastest growing type of family, according to the Office of National Statistics, accounting for 16.4% of all families. In UK law, there is no such thing as common law marriage and whilst many people think that unmarried couples who
- [Win a Spa Day For Two Worth Over £100!](https://essentialinsurance.co.uk/blog/2015/12/04/win-a-spa-day-for-two-worth-over-100/) - Whether it’s our no nonsense straight talking or willingness to take care of paperwork for you or our relentless searching for the right policy to meet your needs and your budget, here at Essential Insurance, we’re all about making buying life insurance a little easier. We all need time to put our feet up, relax

## Pages

- [Home](https://essentialinsurance.co.uk/) - We believe that buying insurance should be kept simple, our experienced advisors will deal with the paperwork quickly and efficiently saving you time and effort
- [Critical Illness](https://essentialinsurance.co.uk/critical-illness/) - [row] Critical Illness Critical illness cover could be your lifeline. Start A New Quote [/row][clear] Get The Best Deal See how we compare to other companies [clear] Essential £9.79 Post Office £20.14 Legal & General £15.38 Aviva £14.41 Santander £14.02 [clear] Correct on 21.01.2026. Prices per month. Quotes based on 40 year old, non smoker
- [Life Insurance](https://essentialinsurance.co.uk/life-insurance/) - [spacer][spacer][spacer][spacer][spacer] [row] Life Insurance Helping you get the best deal on life insurance. Start A New Quote [/row] [row] Get The Best Deal See how we compare to other companies [clear] Essential £9.79 Post Office £20.14 Legal & General £15.38 Aviva £14.41 Santander £14.02 [clear] Correct on 21.01.2026. Prices per month. Quotes based on 40
- [Thank You for your Call Back Request](https://essentialinsurance.co.uk/thank-you-cb/) - Thank you - we'll be in touch shortly We will get back to you as soon as possible. If you do not hear from us soon enough, please feel free to contact us on 0800 612 80050333 200 0806 Essential Insurance Customer Service Team customercare@essentialinsurance.co.uk Did you know? Life insurance could cost a lot less
- [Business Protection Guide](https://essentialinsurance.co.uk/businessprotectionguide/) - Find out why placing life insurance in trust can protect your family's inheritance, avoid delays with probate, and reduce potential inheritance tax. Read our guide.
- [Sitemap](https://essentialinsurance.co.uk/sitemap/) - Pages Business Cover Careers Complaints Procedure Contact Us Critical Illness Disclaimer Existing Customer FAQs Get a Quote Home Income Protection Life Insurance News Partners Privacy Policy Refer A Friend Request A Callback Sitemap Useful Guides Why Choose Essential FAQs Can I take out joint cover with my partner? If I already have life insurance is
- [Useful Guides](https://essentialinsurance.co.uk/essential-information-guides/) - Explore practical guides to life insurance, trusts, and business protection. Learn how relevant life insurance, shareholder protection, key person insurance can safeguard your family and your business.
- [Trust Guide](https://essentialinsurance.co.uk/trustguide/) - Find out why placing life insurance in trust can protect your family's inheritance, avoid delays with probate, and reduce potential inheritance tax. Read our guide.
- [PMS Partners](https://essentialinsurance.co.uk/pms-partners/) - The Essential Insurance Protection Referral Service Write it or refer it, but don’t ignore it! Give your clients a market-wide choice of protection products and provide them with market leading advice from the protection specialists – to start referring simply click Sign Up Now - and we’ll show you how you can start earning whilst
- [Privacy Policy](https://essentialinsurance.co.uk/privacy-policy/) - Privacy Policy Notice How we use your information We will always keep your personal information safe and secure. So that you’re informed of our privacy policy, this privacy notice tells you why Essential Insurance collects and uses your personal information. It applies to information we obtain from; Visitors to our website People who use our
- [Business Cover](https://essentialinsurance.co.uk/business-cover/) - [spacer][spacer][spacer][spacer][spacer] [row] In business, you can't predict the future But we can help you plan for it. Get Advice [/row] [row] [/row] Key Person Protection Losing a key person could be disastrous for the survival of your business. Key Person cover provides a financial safety net if a key member of staff dies or is
- [Careers](https://essentialinsurance.co.uk/careers/) - Essential Insurance employees are treated with the respect that they deserve, and are rewarded with responsibility and career progression.
- [Asda Express](https://essentialinsurance.co.uk/asda-express/) - Asda Express employee discounted insurance from Essential Insurance Here to help you get the best deal we can on insurance to protect you and your family in case the worst happens. Start A New Quote [clear] Life Insurance | Critical Illness Cover | Income Protection We provide advice, compare, and recommend policies from leading UK insurers,
- [Partners](https://essentialinsurance.co.uk/partners/) - The Essential Insurance Protection Referral Service Interested in becoming a referral partner? Click to Apply Now and we’ll provide you with details. Apply Now Already a referral partner? Partner Portal Login. Login Write it or refer it, but don’t ignore it! It’s easy to refer your clients to the protection specialists – to apply, simply
- [Personnel Privacy Policy](https://essentialinsurance.co.uk/personnel-privacy/) - Personnel Privacy Policy Notice How we use your information We will always keep your personal information safe and secure. So that you’re informed of our privacy policy, this privacy notice tells you why Essential Insurance collects and uses your personal information. It applies to information we obtain from; Visitors to our website Job applicants, current
- [Existing Customer](https://essentialinsurance.co.uk/existing-customer/) - [spacer][spacer][spacer][spacer][spacer] [row] Existing Customers Get a £50 gift card for you and your friends* Refer A Friend [/row] Change in circumstances? Celebrating a new addition to the family? Moving home? Stopped smoking? As life changes, so can your need for cover. Our experienced team is here to make sure you’ve got the right cover every
- [Why Choose Essential](https://essentialinsurance.co.uk/why-choose-essential/) - [spacer][spacer][spacer][spacer][spacer] [row] Why choose Essential This is what our customers say… Read Reviews [/row] We do the hard work for you We provide advice, compare and recommend policies from leading UK insurers, handpicked to ensure you get you a policy to meet your needs and budget. No obligation, no nonsense advice We believe it’s important
- [Income Protection](https://essentialinsurance.co.uk/income-protection/) - [row] Income Protection Policies that pay the bills when you can't. Get A Quote [/row][clear] Could you pay the bills if you were sick or injured and couldn't work? Income protection cover can help replace loss of earnings due to ill health or accidental injury. Inflation-linked cover - so you can protect against rising living costs. Tax free benefit -
- [eg Group](https://essentialinsurance.co.uk/eg-group/) - EG Group employee discounted insurance from Essential Insurance Here to help you get the best deal we can on insurance to protect you and your family in case the worst happens. Start A New Quote [clear] Life Insurance | Critical Illness Cover | Income Protection We provide advice, compare, and recommend policies from leading UK
- [Thank you PMS Partners](https://essentialinsurance.co.uk/thank-you-pms-partners/) - Thank you for signing up to become a referral partner You will shortly receive the standard Bankhall/PMS Referral Partner Agreement for electronic signature. In the meantime, if you wish to speak to us personally, please contact Lewis Howe, Marketing and Partner Relationship Manager on 07458 123618. Here’s what some of the customers we’ve helped say
- [Sign Up Request PMS](https://essentialinsurance.co.uk/sign-up-request-pms/) - [spacer] Bankhall/PMS Partners Sign Up We have been specially selected by Bankhall/PMS to offer you an all-new protection referral solution. To sign up, simply provide us with your contact details below, and you will be sent the standard Bankhall/PMS Referral Partner Scheme Agreement for electronic signature. Upon signing, we’ll send your log-in details and instructions
- [Thank you Partners](https://essentialinsurance.co.uk/thank-you-partners/) - Thank you for your application to become a referral partner We will be in touch shortly. In the meantime, if you wish to speak to us personally, please contact Lewis Howe, Marketing and Partner Relationship Manager on 07458 123618. Here’s what some of the customers we’ve helped say about us:
- [Partner Apply](https://essentialinsurance.co.uk/partner-apply/) - [spacer] Partner Information Form As you might expect, before you can start referring your clients to us, there is a small amount of paperwork that we need to exchange. Simply complete this short form and we’ll do the rest. In the meantime, if you wish to speak to us personally, please contact Lewis Howe, Marketing
- [Cheap Life Insurance](https://essentialinsurance.co.uk/cheap-life-insurance-2/) - [clear] Cheap Life Insurance Looking after you while you look after them. Start A New Quote [row] [span12] [/span12] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £9.51 Post Office £16.99 Co-op £14.83 Nationwide £14.31 Santander £14.02 [clear] Correct on 13.10.2021. Prices per month. Quotes based on 40 year
- [Refer a friend terms and conditions](https://essentialinsurance.co.uk/refer-a-friend/refer-a-friend-terms-and-conditions/) - *Refer a friend scheme terms and conditions Promoter: Essential Insurance Services, a trading style of Essential Finance Group (UK) Limited registered in England and Wales, No. 9357808 whose registered office is 1st Floor, Cloister House, Riverside, New Bailey Street, Manchester M3 5FS (“Essential Insurance” or “The Promoter”) Acceptance of these terms and conditions is a
- [Thank You for refering your friend](https://essentialinsurance.co.uk/thank-you-refer/) - Thank you, your enquiry means a lot to us! One of our team will be in touch with you shortly – and if you choose to buy a policy from us, both you and your friend or family member that referred you will get a £50 gift card of your choice as a thank you*.
- [Refer A Friend](https://essentialinsurance.co.uk/refer-a-friend/) - Refer your friends and we'll treat you both! We’re proud to deliver a service that people want to recommend. The fact you’ve placed your trust in Essential Insurance might even be because you were introduced to us by someone who thought we could help you. Do you think we could help someone you care about? To
- [Protection Referral Service](https://essentialinsurance.co.uk/partner-video/)
- [Mortgage Life Insurance](https://essentialinsurance.co.uk/mortgage-life-insurance/) - [insert_php] session_start(); $_SESSION['refcode'] = $_GET['refcode']; echo $_SESSION['refcode']; echo $_GET['refcode']; [/insert_php] [clear] [spacer][spacer][spacer][spacer][spacer] [row] Mortgage Life Insurance Looking after you while you look after them. Start a new quote [/row] [row] [span12] [row] [span12] [/span12] [/row] [row] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £10.68 Post Office £17.08 Santander
- [Life Insurance Quotes](https://essentialinsurance.co.uk/life-insurance-quotes/) - [insert_php] session_start(); $_SESSION['refcode'] = $_GET['refcode']; echo $_SESSION['refcode']; echo $_GET['refcode']; [/insert_php] [clear] [spacer][spacer][spacer][spacer][spacer] [row] Life Insurance Quotes Looking after you while you look after them. Start a new quote [/row] [row] [span12] [row] [span12] [/span12] [/row] [row] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £10.68 Post Office £17.08 Santander
- [Life Insurance Comparison](https://essentialinsurance.co.uk/life-insurance-comparison-2/) - [insert_php] session_start(); $_SESSION['refcode'] = $_GET['refcode']; echo $_SESSION['refcode']; echo $_GET['refcode']; [/insert_php] [clear] [spacer][spacer][spacer][spacer][spacer] [row] Life Insurance Comparison Looking after you while you look after them. Start a new quote [/row] [row] [span12] [row] [span12] [/span12] [/row] [row] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £10.68 Post Office £17.08 Santander
- [Income Protection Landing](https://essentialinsurance.co.uk/income-protection-landing/) - [clear] [spacer][spacer][spacer][spacer][spacer] [row] Income Protection Looking after you while you look after them. Request callback [/row] [row] [row] [span12] [/span12] [/row] [row] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £10.68 Post Office £17.08 Santander £14.90 Zurich £14.54 Nationwide £14.50 [clear] Correct on 08.10.2020. Prices per month. Quotes based
- [Critical Illness Landing](https://essentialinsurance.co.uk/critical-illness-landing/) - [clear] [spacer][spacer][spacer][spacer][spacer] [row] Critical Illness Looking after you while you look after them. Start a new quote [/row] [row] [span12] [/span12] [/row] [row] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £10.68 Post Office £17.08 Santander £14.90 Zurich £14.54 Nationwide £14.50 [clear] Correct on 08.10.2020. Prices per month. Quotes
- [Compare Life Insurance](https://essentialinsurance.co.uk/compare-life-insurance-3/) - [clear] [spacer][spacer][spacer][spacer][spacer] [row] Compare Life Insurance Looking after you while you look after them. Start a new quote [/row] [row] [span12] [row] [span12] [/span12] [/row] [row] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £10.68 Post Office £17.08 Santander £14.90 Zurich £14.54 Nationwide £14.50 [clear] Correct on 08.10.2020. Prices
- [Equilibrium](https://essentialinsurance.co.uk/equilibrium/) - Please provide the details of your client About Them What is their title? --- Mr Mrs Ms Miss First Name Last Name Their date of birth Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28
- [Contact Us](https://essentialinsurance.co.uk/contact-us/)
- [Thank You Equilibrium](https://essentialinsurance.co.uk/thank-you-equilibrium/) - Thank you - we'll contact your client as requested If you need to get in touch with us in the meantime please call us on 01625 464454 Essential Insurance Partner Service Team equilibrium@essentialinsurance.co.uk
- [Disclaimer](https://essentialinsurance.co.uk/disclaimer/) - Essential Insurance Disclaimer & Website Agreement This Disclaimer, Terms and Conditions apply to your use of the www.essentialinsurance.co.uk website ('Site') - an online information service provided by Essential Insurance. Please read this in conjunction with Essential Insurance's Privacy Policy which forms part of these conditions. By using this website you agree to these Terms and Conditions.
- [Complaints Procedure](https://essentialinsurance.co.uk/complaints-procedure/) - If you wish to register a complaint, please contact us by writing to: Address: Customer Relations, Third Floor, Marshall House, Sale, Cheshire, M33 6HE[clear] Phone: 0800 612 80050333 200 0806 (Calls will be recorded in your best interests, for record-keeping purposes and to ensure quality of service.)[clear] Email: customercare@essentialinsurance.co.uk[clear] A summary of our internal complaints
- [Thank You v1](https://essentialinsurance.co.uk/thank-you-v1/) - Online Quote Thank you - we'll be in touch shortly We will get back to you as soon as possible. If you do not hear from us soon enough, please feel free to contact us on 0800 612 80050333 200 0806 Essential Insurance Customer Service Team customercare@essentialinsurance.co.uk Did you know? Life insurance could cost a lot less than
- [Valentines Prize Draw Terms](https://essentialinsurance.co.uk/valentines-prize-draw-terms/) - ❤ ‘Love is in the Air’ Valentine's Prize Draw ❤ Terms and Conditions Here you can find information about the prize draw including how to enter, the prize, and how it will be run. By registering for the draw, you agree to these rules. The Essential Insurance ‘Love is in the Air’ Valentines Prize Draw
- [New Quote BP](https://essentialinsurance.co.uk/new-quote-bp/) - Life Insurance Quote For a Quick Life Insurance Quote please complete the following: About your cover Type of Cover Keyman InsuranceRelevant LifeShareholder ProtectionNot sure Amount of cover required £30,000£40,000£50,000£60,000£70,000£80,000£90,000£100,000£150,000£200,000£250,000£300,000£350,000£400,000£450,000£500,000£550,000£600,000£650,000£700,000£750,000£800,000£850,000£900,000£950,000£1million+ Length of cover? 56789 10111213141516171819 20212223242526272829 30313233343536373839 40414243444546474849 50 Years About you Company name Title ---MrMrsMsMiss First name Surname Date of birth Day12345678910111213141516171819202122232425262728293031Month123456789101112Year2015201420132012201120102009200820072006200520042003200220012000199919981997199619951994199319921991199019891988198719861985198419831982198119801979197819771976197519741973197219711970196919681967196619651964196319621961196019591958195719561955195419531952195119501949194819471946194519441943194219411940193919381937193619351934193319321931193019291928192719261925192419231922192119201919191819171916191519141913191219111910190919081907190619051904190319021901 Do you smoke?
- [New Quote](https://essentialinsurance.co.uk/new-quote/) - Online Quote For a Quick Online Life Insurance Quote please complete the following: About your cover Type of Cover ? XLevel – This type of policy will pay out a lump sum in the event of death or critical illness (if added to your policy). The benefit amount is fixed so will not decrease during
- [Thank You - Care Team](https://essentialinsurance.co.uk/thank-you-care-team/) - Thank you - we'll be in touch shortly We will get back to you as soon as possible. If you do not hear from us soon enough, please feel free to contact us on 0800 612 80050333 200 0806 Essential Insurance Customer Service Team customercare@essentialinsurance.co.uk Change in circumstances? Celebrating a new addition to the family?
- [Request A Callback - Customer Care](https://essentialinsurance.co.uk/request-a-callback-customer-care/) - [spacer] Talk To Our Customer Care Team Today Tell us your contact details and we'll be in touch as soon as possible.
- [Get a Quote](https://essentialinsurance.co.uk/get-a-quote/) - Your cover What type of life insurance do you need? LevelDecreasing ?XLevel – This type of policy will pay out a lump sum in the event of death or critical illness (if added to your policy). The benefit amount is fixed so will not decrease during the policy term. [clear]Decreasing – The benefit amount decreases
- [Thank You for your request to be contacted - Home](https://essentialinsurance.co.uk/thank-you-home/) - Thank you - we'll be in touch shortly We will get back to you as soon as possible. If you do not hear from us soon enough, please feel free to contact us on 0808 169 28980333 200 0806 Essential Insurance Home Insurance Team hometeam@essentialinsurance.co.uk Did you know? Home insurance could cost a lot less
- [Thank You for your request to be contacted](https://essentialinsurance.co.uk/thank-you-c/) - Thank you - we'll be in touch shortly We will get back to you as soon as possible. If you do not hear from us soon enough, please feel free to contact us on 0800 612 80050333 200 0806 Essential Insurance Customer Service Team customercare@essentialinsurance.co.uk Did you know? Life insurance could cost a lot less
- [Thank You for your Question](https://essentialinsurance.co.uk/thank-you-q/) - Thank you for your question We’re always happy to help and one of our team will be in touch shortly. If you do not hear from us soon enough, please feel free to give us a call on 0800 612 80050333 200 0806 Here’s what some of the customers we’ve helped say about us: ★★★★★“Excellent
- [Thank you for your callback request - Affiliates](https://essentialinsurance.co.uk/thank-you-for-your-callback-request-affiliates/) - Thank you - we'll be in touch shortly We will get back to you as soon as possible. If you do not hear from us soon enough, please feel free to contact us by phone on 0800 612 80050333 200 0806 Here’s what some of the customers we’ve helped say about us: ★★★★★“Excellent customer service from start to finish, good
- [Thank You for subscribing](https://essentialinsurance.co.uk/thank-you-sub/) - Thank you for subscribing Look out for our email newsletter to keep you up-to-date with the latest news from Essential Insurance. If want to speak to us, please feel free to contact us by phone on 0800 612 80050333 200 0806 Essential Insurance Customer Service Team customercare@essentialinsurance.co.uk Did you know? Life insurance could cost a
- [Thank You](https://essentialinsurance.co.uk/thank-you/) - Thank you - we'll be in touch shortly We will get back to you as soon as possible. If you do not hear from us soon enough, please feel free to contact us on 0800 612 80050333 200 0806 Essential Insurance Customer Service Team customercare@essentialinsurance.co.uk Did you know? Life insurance could cost a lot less
- [Phone number validate](https://essentialinsurance.co.uk/phone-number-validate/) - [insert_php] session_start(); $_SESSION['refcode'] = $_GET['refcode']; echo $_SESSION['refcode']; echo $_GET['refcode']; [/insert_php] [clear] [spacer][spacer][spacer][spacer][spacer] [row] 0333 200 1478 Looking after you while you look after them. Start a new quote [/row] [row] [span12] [row] [span12] [/span12] [/row] [row] [/row] Get The Best Deal See how we compare to other companies [clear] Essential £13.12 Tesco £17.93 Direct Line
- [Update v1 Test](https://essentialinsurance.co.uk/update-v1-test/)
- [Request A Callback - Home Team](https://essentialinsurance.co.uk/request-a-callback-home-team/) - [spacer] Talk To Our Home Insurance Team Today Tell us your contact details and we'll be in touch as soon as possible.
- [Request A Callback - Business](https://essentialinsurance.co.uk/request-a-callback-business/) - Talk To A Business Protection Specialist Today Business protection insurance will give your company an extra degree of long-term stability and reassurance by safeguarding your organisation against unforeseen challenges to its future success. As protection specialists, we’ll give you advice and recommend the most suitable cover for your business needs and budget, from a range
- [Thank You For Your Callback Request - Business](https://essentialinsurance.co.uk/thank-you-for-your-callback-request-business/) - Thank you - we'll be in touch shortly One of our business protection team specialists will contact you as soon as possible. If you do not hear from us soon enough, please feel free to call us on 0800 612 80050333 200 0806. In the meantime, here are answers to some of our most frequently
- [5 Tips To Guarantee You’ll Save Money On Life Insurance](https://essentialinsurance.co.uk/5-tips-to-guarantee-youll-save-money-on-life-insurance/) - [insert_php] session_start(); $_SESSION['refcode'] = $_GET['refcode']; echo ''; echo $_SESSION['refcode']; echo $_GET['refcode']; echo ''; [/insert_php] [clear] Advertorial 5 Tips To Guarantee You'll Save Money On Life Insurance Life insurance should be one of the cheapest (policies are available from around £1 a week) and easiest ways to protect your family’s future from financial crisis should the
- [IP Promo](https://essentialinsurance.co.uk/ip-promo/) - [spacer] Get a £50 M&S gift card** when you buy income protection cover Before you take out income protection cover, we'll need a brief chat to make sure you get the right policy for your needs. It won't take too long, simply fill in your contact details and we'll call you as soon as possible.
- [update](https://essentialinsurance.co.uk/update/) - [insert_php] date_default_timezone_set('Europe/London'); $userip = $_SERVER['REMOTE_ADDR']; $useremail = $_GET['EMAIL']; $wpdb->query( "DELETE FROM wp_forms_sent WHERE date_form_sent < DATE_SUB(NOW(), INTERVAL 1 DAY)" ); $isindb = $wpdb->get_results($wpdb->prepare(("SELECT * FROM wp_forms_sent WHERE user_ip = '" . $userip . "'"), ARRAY_N )); if (empty($isindb)) { $wpdb->insert( 'wp_forms_sent', array( 'user_ip' => $userip, 'user_email' => $useremail, ) ); $record_id = $wpdb->insert_id; $filename =
- [September 2017 Existing Customer ‘Income Protection Promotion’ Terms and Conditions](https://essentialinsurance.co.uk/september-2017-existing-customer-income-protection-promotion-terms-and-conditions/) - September 2017 Existing Customer ‘Income Protection Promotion’ Terms and Conditions This offer will only be made to Essential Insurance Customers who are a UK resident and over 18 and only applies to customers who purchase a new income protection policy through Essential Insurance during the promotional period: 11th September 2017 to 31st October 2017. To
- [Update v1](https://essentialinsurance.co.uk/update-v1/)
- [Request A Callback - Affiliates](https://essentialinsurance.co.uk/request-a-callback-affiliates/) - Talk To Us Today We work with several partners and online affiliates who are offered highly competitive and flexible remuneration options. Partner packages include provision of regular management information and staff training to ensure we both make the most of the opportunity.To find our more call us on 0800 612 80050333 200 0806 or email
- [Partners Old](https://essentialinsurance.co.uk/partners-old/) - Your cover What type of life insurance do you need? LevelDecreasing ??Level – This type of policy will pay out a lump sum in the event of death or critical illness (if added to your policy). The benefit amount is fixed so will not decrease during the policy term. Decreasing – The benefit amount decreases
- [FAQs](https://essentialinsurance.co.uk/faqs/)
- [Thank you for your request to contact your customer](https://essentialinsurance.co.uk/thank-you-partner/) - Thank you! One of our experienced advisors will be in touch with your customer at the time/day requested.
- [Press Releases](https://essentialinsurance.co.uk/press-releases/)
- [Request A Callback](https://essentialinsurance.co.uk/request-a-callback/) - [spacer] Talk To An Advisor Today Tell us your contact details and we'll be in touch as soon as possible.
- [update partners](https://essentialinsurance.co.uk/update-partners/) - [insert_php] $filename = "essential" . str_replace("-","", date("Y-m-d h:i:s")); $filename = str_replace(":","", $filename); $filename = str_replace(" ","", $filename) . ".xml"; echo $filename; //Connect to the FTP server $ftpstream = @ftp_connect('www.eos-server.co.uk'); //Login to the FTP server $login = @ftp_login($ftpstream, 'essential', 'Inboundlead5'); if($login) { //We are now connected to FTP server. //Create a temporary file $COV_TYPE_STR = $_GET['COV_TYPE']
- [June 2016 New Customer Promotion](https://essentialinsurance.co.uk/june-2016-new-customer-promotion/) - June/July 2016 New Customer Promotion Terms and Conditions This offer will only be made to an Essential Insurance Customer who is a UK resident and over 18 and only applies to customers who purchase a new life, critical illness or income protection policy through Essential Insurance. Employees of Essential Insurance and its associated companies are
- [Terms And Conditions Email Facebook Cineworld Promotion](https://essentialinsurance.co.uk/terms-and-conditions-email-facebook-cineworld-promotion/) - Terms And Conditions Email Facebook Cineworld Promotion Acceptance of these terms and conditions is a condition of entry. The entry instructions form part of these terms and conditions. By entering into the competition, you agree to be bound by these terms and conditions. The Promoter reserves the right, as its sole discretion, to exclude you
- [Request A Quote](https://essentialinsurance.co.uk/request-a-quote/) - [spacer] Request a Quote
- [Facebook 500 Likes Promo](https://essentialinsurance.co.uk/facebook-500-likes-promo/) - Terms and Conditions Facebook Likes Promotion Acceptance of these terms and conditions is a condition of entry. The entry instructions form part of these terms and conditions. By entering into the competition, you agree to be bound by these terms and conditions. The Promoter reserves the right, as its sole discretion, to exclude you from
- [Mother's Day 2016 Facebook Promotion](https://essentialinsurance.co.uk/mothers-day-2016-facebook-promotion/) - *Terms and Conditions Mother’s Day Promotion Acceptance of these terms and conditions is a condition of entry. The entry instructions form part of these terms and conditions. By entering into the competition, you agree to be bound by these terms and conditions. The Promoter reserves the right, as its sole discretion, to exclude you from
- [Enquiry Submission](https://essentialinsurance.co.uk/enquiry-submission/) - Please provide the details of the customer you would like us to contact below About Them What is their title? --- Mr Mrs Ms Miss First Name Last Name Their date of birth Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
- [New Year New Customer Promotion Terms and Conditions](https://essentialinsurance.co.uk/new-year-new-customer-promotion-terms-and-conditions/) - New Year New Customer Promotion Terms and Conditions This offer will only be made to an Essential Insurance Customer who is a UK resident and over 18 and only applies to customers who purchase a new life, critical illness or income protection policy through Essential Insurance. Employees of Essential Insurance and its associated companies are
- [Terms and Conditions Email Facebook Spa Day Promotion](https://essentialinsurance.co.uk/terms-and-conditions-email-facebook-spa-day-promotion/) - *Terms and Conditions Email Facebook Spa Day Promotion Acceptance of these terms and conditions is a condition of entry. The entry instructions form part of these terms and conditions. By entering into the competition, you agree to be bound by these terms and conditions. The Promoter reserves the right, as its sole discretion, to exclude
- [Win a Spa Day For Two Terms And Conditions](https://essentialinsurance.co.uk/win-a-spa-day-for-two-terms-and-conditions/) - *Terms and Conditions Facebook Spa Day Promotion Acceptance of these terms and conditions is a condition of entry. The entry instructions form part of these terms and conditions. By entering into the competition, you agree to be bound by these terms and conditions. The Promoter reserves the right, as its sole discretion, to exclude
- [quickcontact](https://essentialinsurance.co.uk/quickcontact/) - [insert_php] $name = $_POST["your-fullname"]; // required $telephone = $_POST["your-fullnumber"]; // required $EmailTo = "outboundteam@essentialinsurance.co.uk"; $Subject = "Call Back Request From $name"; /// Add a subject $Body = ""; $Body .= "Name: $name \n\n"; $Body .= "Telephone: $telephone \n\n"; $success = mail($EmailTo, $Subject, $Body, "From: "); $headers .= 'Bcc: mal@330.media \r\n'; if (!headers_sent($success)) { header("Location:https://essentialinsurance.co.uk/thank-you"); exit;
- [Winston's Wish](https://essentialinsurance.co.uk/winstons-wish/) - [spacer][row][span8] Here at Essential Insurance, we are proud to be supporting Winston’s Wish, the leading childhood bereavement charity in the UK. Every 22 minutes a child in Britain is bereaved of a parent. This is one of the most fundamental losses a child will ever face, and these children need support to make sense of
- [Lost Password](https://essentialinsurance.co.uk/lost-password/)
- [Login](https://essentialinsurance.co.uk/login/)
- [Types Of Cover](https://essentialinsurance.co.uk/types-of-cover/)

## Logos

- [Beagle Street](https://essentialinsurance.co.uk/blog/logos/beagle-street/)
- [Scottish Widows](https://essentialinsurance.co.uk/blog/logos/scottish-widows/)
- [Zurich](https://essentialinsurance.co.uk/blog/logos/zurich/)
- [Legal & General](https://essentialinsurance.co.uk/blog/logos/legal-general/)
- [Canada Life](https://essentialinsurance.co.uk/blog/logos/canada-life/)
- [Holloway](https://essentialinsurance.co.uk/blog/logos/holloway/)
- [Guardian](https://essentialinsurance.co.uk/blog/logos/guardian/)
- [One Family](https://essentialinsurance.co.uk/blog/logos/one-family/)
- [Vitality](https://essentialinsurance.co.uk/blog/logos/vitality/)
- [AEG](https://essentialinsurance.co.uk/blog/logos/aeg/)
- [Royal London](https://essentialinsurance.co.uk/blog/logos/royal-london/)
- [partnership](https://essentialinsurance.co.uk/blog/logos/partnership/)
- [Liverpool Victoria](https://essentialinsurance.co.uk/blog/logos/liverpool-victoria/)
- [Aviva](https://essentialinsurance.co.uk/blog/logos/aviva/)
- [AIG](https://essentialinsurance.co.uk/blog/logos/aig/)

## FAQs

- [What is ‘whole of life assurance’?](https://essentialinsurance.co.uk/blog/faq/what-is-whole-of-life-assurance/) - Whole of life assurance does not expire after a fixed term, meaning your family will receive a pay out no matter when you die. Whole of life assurance is usually more expensive than a fixed term policy.
- [Is a life insurance payout taxable?](https://essentialinsurance.co.uk/blog/faq/is-a-life-insurance-pay-out-taxable/) - Life insurance pay outs are exempt from income and capital gains tax, but are subject to inheritance tax, Essential Insurance can help you place your policy into trust* FREE OF CHARGE, to help mitigate this risk. * The Financial Conduct Authority (FCA) does not regulate Trusts or Estate Planning
- [What is family income benefit?](https://essentialinsurance.co.uk/blog/faq/what-is-family-income-benefit/) - This type of policy normally pays a monthly or annual income to your family instead of a lump sum. Both one-off payments and family income benefit can be 'written into trust*’, this ensures the money goes to the right people at the right time and often mitigates the issue of inheritance tax. * The Financial
- [Is there a maximum age for cover?](https://essentialinsurance.co.uk/blog/faq/is-there-a-maximum-age-for-cover/) - At Essential Insurance we can provide cover for people up to 90 years of age. Although the cost of cover generally rises as you get older, we’ll find you the best deal we can.
- [Once I have a policy can I change my policy details?](https://essentialinsurance.co.uk/blog/faq/once-i-have-a-policy-can-i-change-my-policy-details/) - Yes. It is really important that your cover remains up-to-date. Your life insurance needs will change over time and we recommend that you should regularly review your policy to make sure your premiums are still competitive and that you still have the right amount of cover. Essential Insurance customers can contact us here at any time
- [What is ‘level term’ insurance?](https://essentialinsurance.co.uk/blog/faq/what-is-level-term-insurance/) - Level term insurance keeps you covered for a set period of time chosen by you when you take out the policy. It pays out a fixed amount if you die within the agreed term and is one of the most popular types of policy. Level term cover is usually best for people who want to
- [Will my life insurance premium increase over time?](https://essentialinsurance.co.uk/blog/faq/will-my-life-insurance-premium-increase-over-time/) - Many of our customers choose policies with fixed premiums, so they are guaranteed not to rise and you’ll know exactly where you stand. However, we can agree lower starting premiums with insurance providers through ‘reviewable premiums’. These types of premiums don’t suit everyone because they can go up when they are reviewed on the fifth
- [What is ‘decreasing term’ insurance?](https://essentialinsurance.co.uk/blog/faq/what-is-decreasing-term-insurance/) - With decreasing term insurance you are covered for a set period of time but the level of the cover decreases every month until it reaches zero at the end of the term. This policy is best for people who know their sum insured is decreasing. For example, if they have a repayment mortgage which is
- [If I already have life insurance is it worth switching?](https://essentialinsurance.co.uk/blog/faq/if-i-already-have-life-insurance-is-it-worth-switching/) - In the last few years, life insurance costs have really come down. The Money Advice Service has said that now is a good time to shop around to see if you can get a better premium. We may be able to find you a better deal and if you do decide to switch we can
- [What circumstances will the policy not pay out?](https://essentialinsurance.co.uk/blog/faq/what-circumstances-will-the-policy-not-pay-out/) - Our specially selected panel of insurers have been chosen for number of criteria, including their high pay out rates. That said, there will be certain exclusions listed in your policy booklet, such as death from drug or alcohol abuse.
- [Can I take out joint cover with my partner?](https://essentialinsurance.co.uk/blog/faq/can-i-take-out-joint-cover-with-my-partner/) - Yes. Many couples prefer to purchase joint insurance, which usually works out cheaper than purchasing two separate policies.

## Categories

- [Uncategorised](https://essentialinsurance.co.uk/blog/category/uncategorised/)
- [Critical Illness Insurance](https://essentialinsurance.co.uk/blog/category/critical-illness-insurance/)
- [Essential Insurance](https://essentialinsurance.co.uk/blog/category/essential-insurance/)
- [Income Protection](https://essentialinsurance.co.uk/blog/category/income-protection/)
- [Life Insurance](https://essentialinsurance.co.uk/blog/category/life-insurance/)
- [Press Releases](https://essentialinsurance.co.uk/blog/category/press-releases/)
- [Videos](https://essentialinsurance.co.uk/blog/category/videos/)
- [Business Protection](https://essentialinsurance.co.uk/blog/category/business-protection/)
- [Home Insurance](https://essentialinsurance.co.uk/blog/category/essential-insurance/home-insurance/)
- [Partners](https://essentialinsurance.co.uk/blog/category/essential-insurance/partners/)
- [Free Will](https://essentialinsurance.co.uk/blog/category/life-insurance/free-will/)

## Tags

- [cigarette](https://essentialinsurance.co.uk/blog/tag/cigarette/)
- [cover](https://essentialinsurance.co.uk/blog/tag/cover/)
- [critical](https://essentialinsurance.co.uk/blog/tag/critical/)
- [critical illness](https://essentialinsurance.co.uk/blog/tag/critical-illness/)
- [e-cig](https://essentialinsurance.co.uk/blog/tag/e-cig/)
- [e-cigarette](https://essentialinsurance.co.uk/blog/tag/e-cigarette/)
- [family](https://essentialinsurance.co.uk/blog/tag/family/)
- [hazardous](https://essentialinsurance.co.uk/blog/tag/hazardous/)
- [headache](https://essentialinsurance.co.uk/blog/tag/headache/)
- [headaches](https://essentialinsurance.co.uk/blog/tag/headaches/)
- [illness](https://essentialinsurance.co.uk/blog/tag/illness/)
- [insurance](https://essentialinsurance.co.uk/blog/tag/insurance/)
- [job](https://essentialinsurance.co.uk/blog/tag/job/)
- [jobs](https://essentialinsurance.co.uk/blog/tag/jobs/)
- [life](https://essentialinsurance.co.uk/blog/tag/life/)
- [life cover](https://essentialinsurance.co.uk/blog/tag/life-cover/)
- [life expectancy](https://essentialinsurance.co.uk/blog/tag/life-expectancy/)
- [life insurance](https://essentialinsurance.co.uk/blog/tag/life-insurance/)
- [medical history](https://essentialinsurance.co.uk/blog/tag/medical-history/)
- [migraines](https://essentialinsurance.co.uk/blog/tag/migraines/)
- [policy](https://essentialinsurance.co.uk/blog/tag/policy/)
- [tax](https://essentialinsurance.co.uk/blog/tag/tax/)
- [trust](https://essentialinsurance.co.uk/blog/tag/trust/)
- [work](https://essentialinsurance.co.uk/blog/tag/work/)
- [stay at home parent](https://essentialinsurance.co.uk/blog/tag/stay-at-home-parent/)
- [mother](https://essentialinsurance.co.uk/blog/tag/mother/)
- [children](https://essentialinsurance.co.uk/blog/tag/children/)
- [essential](https://essentialinsurance.co.uk/blog/tag/essential/)
- [press release](https://essentialinsurance.co.uk/blog/tag/press-release/)
- [press](https://essentialinsurance.co.uk/blog/tag/press/)
- [release](https://essentialinsurance.co.uk/blog/tag/release/)
- [launch](https://essentialinsurance.co.uk/blog/tag/launch/)
- [renew](https://essentialinsurance.co.uk/blog/tag/renew/)
- [checking cover](https://essentialinsurance.co.uk/blog/tag/checking-cover/)
- [to-do list](https://essentialinsurance.co.uk/blog/tag/to-do-list/)
- [to do](https://essentialinsurance.co.uk/blog/tag/to-do/)
- [death-in-service](https://essentialinsurance.co.uk/blog/tag/death-in-service/)
- [employer cover](https://essentialinsurance.co.uk/blog/tag/employer-cover/)
- [life protection](https://essentialinsurance.co.uk/blog/tag/life-protection/)
- [insurance through work](https://essentialinsurance.co.uk/blog/tag/insurance-through-work/)
- [inheritance tax](https://essentialinsurance.co.uk/blog/tag/inheritance-tax/)
- [insurance uk](https://essentialinsurance.co.uk/blog/tag/insurance-uk/)
- [employer insurance](https://essentialinsurance.co.uk/blog/tag/employer-insurance/)
- [employee cover uk](https://essentialinsurance.co.uk/blog/tag/employee-cover-uk/)
- [happy](https://essentialinsurance.co.uk/blog/tag/happy/)
- [life insurance uk](https://essentialinsurance.co.uk/blog/tag/life-insurance-uk/)
- [longevity](https://essentialinsurance.co.uk/blog/tag/longevity/)
- [doctor](https://essentialinsurance.co.uk/blog/tag/doctor/)
- [Google](https://essentialinsurance.co.uk/blog/tag/google/)
- [critical illness cover](https://essentialinsurance.co.uk/blog/tag/critical-illness-cover/)
- [shopping](https://essentialinsurance.co.uk/blog/tag/shopping/)
- [income protection](https://essentialinsurance.co.uk/blog/tag/income-protection/)
- [life assurance protection gap](https://essentialinsurance.co.uk/blog/tag/life-assurance-protection-gap/)
- [protection gap](https://essentialinsurance.co.uk/blog/tag/protection-gap/)
- [death](https://essentialinsurance.co.uk/blog/tag/death/)
- [office work](https://essentialinsurance.co.uk/blog/tag/office-work/)
- [wellbeing](https://essentialinsurance.co.uk/blog/tag/wellbeing/)
- [health](https://essentialinsurance.co.uk/blog/tag/health/)
- [mental health](https://essentialinsurance.co.uk/blog/tag/mental-health/)
- [age uk](https://essentialinsurance.co.uk/blog/tag/age-uk/)
- [exercise](https://essentialinsurance.co.uk/blog/tag/exercise/)
- [personal finance education](https://essentialinsurance.co.uk/blog/tag/personal-finance-education/)
- [lessons](https://essentialinsurance.co.uk/blog/tag/lessons/)
- [school](https://essentialinsurance.co.uk/blog/tag/school/)
- [education](https://essentialinsurance.co.uk/blog/tag/education/)
- [finance](https://essentialinsurance.co.uk/blog/tag/finance/)
- [learning](https://essentialinsurance.co.uk/blog/tag/learning/)
- [financial services](https://essentialinsurance.co.uk/blog/tag/financial-services/)
- [cheap life insurance](https://essentialinsurance.co.uk/blog/tag/cheap-life-insurance/)
- [survey](https://essentialinsurance.co.uk/blog/tag/survey/)
- [millenials](https://essentialinsurance.co.uk/blog/tag/millenials/)
- [over 55](https://essentialinsurance.co.uk/blog/tag/over-55/)
- [life insurance policies](https://essentialinsurance.co.uk/blog/tag/life-insurance-policies/)
- [help](https://essentialinsurance.co.uk/blog/tag/help/)
- [advice](https://essentialinsurance.co.uk/blog/tag/advice/)
- [insurance agent](https://essentialinsurance.co.uk/blog/tag/insurance-agent/)
- [future](https://essentialinsurance.co.uk/blog/tag/future/)
- [safeguard](https://essentialinsurance.co.uk/blog/tag/safeguard/)
- [UK](https://essentialinsurance.co.uk/blog/tag/uk/)
- [peace of mind](https://essentialinsurance.co.uk/blog/tag/peace-of-mind/)
- [family's future](https://essentialinsurance.co.uk/blog/tag/familys-future/)
- [back to school](https://essentialinsurance.co.uk/blog/tag/back-to-school/)
- [protect your children](https://essentialinsurance.co.uk/blog/tag/protect-your-children/)
- [Money Advice Service](https://essentialinsurance.co.uk/blog/tag/money-advice-service/)
- [Aviva](https://essentialinsurance.co.uk/blog/tag/aviva/)
- [advisors](https://essentialinsurance.co.uk/blog/tag/advisors/)
- [baby](https://essentialinsurance.co.uk/blog/tag/baby/)
- [newborn](https://essentialinsurance.co.uk/blog/tag/newborn/)
- [finances](https://essentialinsurance.co.uk/blog/tag/finances/)
- [planning](https://essentialinsurance.co.uk/blog/tag/planning/)
- [smoking](https://essentialinsurance.co.uk/blog/tag/smoking/)
- [Stoptober](https://essentialinsurance.co.uk/blog/tag/stoptober/)
- [quitting smoking](https://essentialinsurance.co.uk/blog/tag/quitting-smoking/)
- [divorce](https://essentialinsurance.co.uk/blog/tag/divorce/)
- [beneficiary](https://essentialinsurance.co.uk/blog/tag/beneficiary/)
- [advisor](https://essentialinsurance.co.uk/blog/tag/advisor/)
- [WHO](https://essentialinsurance.co.uk/blog/tag/who/)
- [processed meat](https://essentialinsurance.co.uk/blog/tag/processed-meat/)
- [cancer](https://essentialinsurance.co.uk/blog/tag/cancer/)
- [cost](https://essentialinsurance.co.uk/blog/tag/cost/)
- [world health organisation](https://essentialinsurance.co.uk/blog/tag/world-health-organisation/)
- [Trusts](https://essentialinsurance.co.uk/blog/tag/trusts/)
- [IHT](https://essentialinsurance.co.uk/blog/tag/iht/)
- [Wills](https://essentialinsurance.co.uk/blog/tag/wills/)
- [insurance quotes](https://essentialinsurance.co.uk/blog/tag/insurance-quotes/)
- [expert](https://essentialinsurance.co.uk/blog/tag/expert/)
- [specialist](https://essentialinsurance.co.uk/blog/tag/specialist/)
- [quote](https://essentialinsurance.co.uk/blog/tag/quote/)
- [broker](https://essentialinsurance.co.uk/blog/tag/broker/)
- [win](https://essentialinsurance.co.uk/blog/tag/win/)
- [Christmas](https://essentialinsurance.co.uk/blog/tag/christmas/)
- [competition](https://essentialinsurance.co.uk/blog/tag/competition/)
- [relax](https://essentialinsurance.co.uk/blog/tag/relax/)
- [giveaway](https://essentialinsurance.co.uk/blog/tag/giveaway/)
- [protection](https://essentialinsurance.co.uk/blog/tag/protection/)
- [resolutions](https://essentialinsurance.co.uk/blog/tag/resolutions/)
- [new year. top 5](https://essentialinsurance.co.uk/blog/tag/new-year-top-5/)
- [2016](https://essentialinsurance.co.uk/blog/tag/2016/)
- [funeral plans](https://essentialinsurance.co.uk/blog/tag/funeral-plans/)
- [premiums](https://essentialinsurance.co.uk/blog/tag/premiums/)
- [alcohol](https://essentialinsurance.co.uk/blog/tag/alcohol/)
- [increase](https://essentialinsurance.co.uk/blog/tag/increase/)
- [funeral](https://essentialinsurance.co.uk/blog/tag/funeral/)
- [burial](https://essentialinsurance.co.uk/blog/tag/burial/)
- [organ](https://essentialinsurance.co.uk/blog/tag/organ/)
- [donation](https://essentialinsurance.co.uk/blog/tag/donation/)
- [teenager](https://essentialinsurance.co.uk/blog/tag/teenager/)
- [teen](https://essentialinsurance.co.uk/blog/tag/teen/)
- [money](https://essentialinsurance.co.uk/blog/tag/money/)
- [arrangements](https://essentialinsurance.co.uk/blog/tag/arrangements/)
- [financial burden](https://essentialinsurance.co.uk/blog/tag/financial-burden/)
- [pregnancy](https://essentialinsurance.co.uk/blog/tag/pregnancy/)
- [customer service](https://essentialinsurance.co.uk/blog/tag/customer-service/)
- [award-winning](https://essentialinsurance.co.uk/blog/tag/award-winning/)
- [Legal & General](https://essentialinsurance.co.uk/blog/tag/legal-general/)
- [Business Quality](https://essentialinsurance.co.uk/blog/tag/business-quality/)
- [First-class](https://essentialinsurance.co.uk/blog/tag/first-class/)
- [gold](https://essentialinsurance.co.uk/blog/tag/gold/)
- [high standards](https://essentialinsurance.co.uk/blog/tag/high-standards/)
- [self-employed](https://essentialinsurance.co.uk/blog/tag/self-employed/)
- [Relevant Life Insurance](https://essentialinsurance.co.uk/blog/tag/relevant-life-insurance/)
- [Relevant Life Cover](https://essentialinsurance.co.uk/blog/tag/relevant-life-cover/)
- [Business](https://essentialinsurance.co.uk/blog/tag/business/)
- [business protection](https://essentialinsurance.co.uk/blog/tag/business-protection/)
- [key person cover](https://essentialinsurance.co.uk/blog/tag/key-person-cover/)
- [key person insurance](https://essentialinsurance.co.uk/blog/tag/key-person-insurance/)
- [protect business](https://essentialinsurance.co.uk/blog/tag/protect-business/)
- [home](https://essentialinsurance.co.uk/blog/tag/home/)
- [buildings](https://essentialinsurance.co.uk/blog/tag/buildings/)
- [contents](https://essentialinsurance.co.uk/blog/tag/contents/)
- [5 star rated](https://essentialinsurance.co.uk/blog/tag/5-star-rated/)
- [Budget 2018](https://essentialinsurance.co.uk/blog/tag/budget-2018/)
- [crowdfunding](https://essentialinsurance.co.uk/blog/tag/crowdfunding/)
- [feefo](https://essentialinsurance.co.uk/blog/tag/feefo/)
- [trusted](https://essentialinsurance.co.uk/blog/tag/trusted/)
- [survival](https://essentialinsurance.co.uk/blog/tag/survival/)
- [mortgage](https://essentialinsurance.co.uk/blog/tag/mortgage/)
- [mortgage broker](https://essentialinsurance.co.uk/blog/tag/mortgage-broker/)
- [intermediary](https://essentialinsurance.co.uk/blog/tag/intermediary/)
- [mortgage protection](https://essentialinsurance.co.uk/blog/tag/mortgage-protection/)
- [partners](https://essentialinsurance.co.uk/blog/tag/partners/)
- [wealth managers](https://essentialinsurance.co.uk/blog/tag/wealth-managers/)
- [coronavirus](https://essentialinsurance.co.uk/blog/tag/coronavirus/)
- [Covid-19](https://essentialinsurance.co.uk/blog/tag/covid-19/)
- [heart attack](https://essentialinsurance.co.uk/blog/tag/heart-attack/)
- [stroke](https://essentialinsurance.co.uk/blog/tag/stroke/)
- [NHS](https://essentialinsurance.co.uk/blog/tag/nhs/)
- [charity](https://essentialinsurance.co.uk/blog/tag/charity/)
- [Beechwood Cancer Care](https://essentialinsurance.co.uk/blog/tag/beechwood-cancer-care/)
- [Payroll](https://essentialinsurance.co.uk/blog/tag/payroll/)
- [Giving](https://essentialinsurance.co.uk/blog/tag/giving/)
- [Essential Employees](https://essentialinsurance.co.uk/blog/tag/essential-employees/)
- [grief](https://essentialinsurance.co.uk/blog/tag/grief/)
- [Gift](https://essentialinsurance.co.uk/blog/tag/gift/)
- [kindness](https://essentialinsurance.co.uk/blog/tag/kindness/)
- [love](https://essentialinsurance.co.uk/blog/tag/love/)
- [diabetes](https://essentialinsurance.co.uk/blog/tag/diabetes/)
- [budget 2024](https://essentialinsurance.co.uk/blog/tag/budget-2024/)
- [Estate Planning](https://essentialinsurance.co.uk/blog/tag/estate-planning/)