Clear advice on life insurance, critical illness cover and income protection,structured around your home, family, work and long-term plans.
Willow starts with the financial consequences you want to avoid, reviews the cover already available to you, and recommends a protection strategy that is relevant, affordable and properly understood.
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Choose the financial outcome you want to protect. We will show the questions to resolve and the cover types most likely to be relevant.
The right approach depends on whether the goal is to clear the loan, preserve the family home or keep repayments manageable during illness or incapacity.
Life cover, critical illness and income protection do different jobs. A robust plan defines the purpose of each policy and avoids unnecessary duplication.
A lump sum or regular family income following death, often used for debts, the mortgage, dependants and legacy planning.
A lump sum after a covered diagnosis, designed to create financial choice during treatment, recovery or a change in working life.
A continuing monthly benefit after the selected waiting period when illness or injury prevents you from working.
Family income benefit, relevant life, whole-of-life and business protection where the need extends beyond a standard policy.
Adjust the figures to see three separate needs: capital following death, a serious-illness reserve and monthly income resilience. The results are illustrative, not a recommendation or quotation.
Explore Willow guides, protection market context and case studies. Use the filters to narrow the library.
A policy is only useful when the need, terms and trade-offs are understood. The process keeps the recommendation anchored to your priorities and budget.
Map the home, income, family, debts, existing benefits and the consequences you want to avoid.
Agree the purpose, amount, term, ownership and monthly budget for each area of cover.
Compare suitable insurers, definitions, exclusions, flexibility, trusts and underwriting considerations.
Manage the application through underwriting, place the cover and review it when circumstances change.
A useful recommendation considers definitions, waiting periods, term, ownership, flexibility and affordability,not just the cheapest premium.
Willow will also review existing policies and employer benefits before recommending new cover, helping reduce duplication and expose any genuine gaps.
Arrange a protection reviewThe answers are general guidance. Eligibility, price, definitions and underwriting vary by insurer and personal circumstances.
Ask about your protection needsThere is no universal multiple. The review should consider debts, the mortgage, dependants, income replacement, future costs, existing cover, employer benefits, assets, term and affordability.
It is not generally a legal requirement, although a lender may require specific cover in some circumstances. The more important question is what would happen to the mortgage and household if a borrower died.
Life cover pays following death under the policy terms. Critical illness cover pays following diagnosis of a specified covered condition that meets the insurer's definition. They solve different financial problems.
It can pay a monthly benefit after a chosen waiting period if illness or injury prevents you from working, subject to the policy definition, benefit limits and underwriting.
Employer benefits can be valuable and should be included in the review. Their amount, definition, duration and portability matter, particularly if you change employment.
Possibly, but the outcome depends on the condition and insurer. Cover may be offered on standard terms, at a higher premium, with exclusions, postponed or declined.
A trust can affect who receives the benefit and how it is administered. It is not automatically appropriate, and legal or tax advice may be required for more complex arrangements.
Review after material changes such as a new mortgage, marriage, divorce, children, a job change, business borrowing, a substantial income change or the expiry of employer benefits.
Share a brief outline of your mortgage, family commitments, income and any cover already in place. A specialist adviser will help define the need, explain the realistic options and guide you through the next steps.
Sending documents
Please do not send medical records, identification, bank statements or other sensitive documents by ordinary email or WhatsApp. Your adviser will provide a secure way to share information when it is needed.
Important information
Willow Private Finance Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 588422.
Protection products are subject to eligibility, underwriting, policy definitions, exclusions and payment of premiums. If premiums are not maintained, cover may cease. This page and its calculator provide general information only and do not constitute a personal recommendation.
