Frequently asked questions.

We help UK residents working in the UK or abroad, across all kinds of occupations. You do not need to work offshore or in a higher-risk role — we also arrange cover for people in everyday jobs, from office workers and teachers to shop staff and business owners.

We can arrange cover for 95% of occupations without an occupation-related premium increase. Your price will still depend on your health, age and the cover you choose.

Yes, options are available. We’ll check where you work, your duties and how long you spend abroad to find suitable cover.

It provides money for your loved ones if you die during the policy term. This could help clear the mortgage, pay household bills and protect your family’s future.

It pays a lump sum if you meet the policy’s definition of a covered serious illness. The money can help ease financial pressure while you focus on recovery.

It pays a regular income if illness or injury stops you working, following an agreed waiting period. It helps keep essential bills covered.

PMI helps pay for eligible private consultations, tests and treatment. It gives you more choice over your care, subject to the plan’s benefits, limits and exclusions.

You may be able to. Depending on the product and your medical history, an insurer may offer standard terms, charge more, apply exclusions or decline cover.

Enough to protect what matters to you. We’ll look at your mortgage, family commitments, income, existing benefits and budget to help you choose.

If your job, income or family circumstances have changed, a review can identify gaps. We’ll check what you have before recommending any changes.