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... Read More 
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... Read More
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... Read More
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... Read More
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... Read More
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... Read More
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... Read More
Essential information: why choose protection cover?
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... Read More
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... Read More
Life and critical illness cover aren’t 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... Read More