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Family Insurance

Key options for Parents

Here you can find all the information you need on protecting you, your family and your family home.

Below we set out the most popular insurance policies for parents looking to protect their families. It’s also worth checking out our Family Insurance Tool, which should help to identify the key areas of risk to protect and provide a helping hand in choosing the right policy options for your circumstances.

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Our Insurers - Aviva, LV, Friends Life, PruProtect, Ageas Bright Grey, Scottish Provident, Legal & General, Exeter Family Friendly

What happens if I get sick?

Income Protection

Income Protection is often cited as one of the most important types of cover. It provides a monthly replacement income should you be unable to work due to illness or injury.

Who should consider this cover?

If your family relies on your income to pay some or all of your essential outgoings then income protection can often be viewed essential.

Policies can payout for multiple years and therefore protect against the financial risk of both short and long-term illnesses.


What happens if I pass away?

Family Income Benefit

Family Income Benefit is a popular type of family life insurance. It is designed to payout a monthly or annual amount to your family if you pass away during the term of the policy.

Who should consider this cover?

If you have children under the age of 21 then this policy can ensure they are sufficiently provided for should you pass away.

The policy can run until your youngest child is 21 years old so they have finished education and are ready to stand on their own two feet.


Private Health Insurance

Health Insurance for your family would pay for the cost of healthcare in private facilities. Most policies cover major surgery but it is also possible to cover consultations and diagnostic tests.

Who should consider this cover?

If you want to ensure that your family receives prompt and quality healthcare it is worth considering this policy.

As the NHS is free at the point of use, it makes sense to prioritise life insurance and income protection before medical insurance if budget is tight.


Mortgage Life Insurance

Mortgage Life Insurance is very popular with home owning couples. It pays out a lump-sum so the mortgage can be repaid should either partner pass away.

Who should consider this cover?

If either partner wouldn’t be able to afford the monthly mortgage repayments on their own then this policy makes a lot of sense.

It is possible for the level of cover to decline over time so it remains just enough to cover the amount outstanding on a repayment loan.


Our Mission...

We are insurance experts passionate about educating our clients and providing a 5-star service.

We are here to help you understand the financial risks you face so that you can make informed decisions when it comes to protecting yourself, your family and your assets.

Changing the world one policy at a time!

The Family Insurance Tool...


We all know that protecting our family is important, it's often just a case of finding enough hours in the day to research all the options available, work out what types of cover are worthwhile and get those plans set-up.

In order to try and save you time we've built a family insurance tool to help you to understand the financial risks you face and suggest useful policies to cover those risks.

So what do families typically protect?

The three core areas to cover often include the following:


Income Protection Insurance
Mortgage Protection Insurance
Family Income Benefit
Protect Your Income
After all, it's your income that puts food on the table and pays your mortgage/rent and all your other bills.
Protect Your Home
Buying a home is often our biggest investment which makes it one of the most important things to protect.
Protect Your Family
They may cause a few more grey hairs but we all want to see them safely through to adulthood.

Based on the information you input, not only will the tool help to identify if these plans would be worthwhile for you, it will also provide some guidance on what specific policy options to select, such as how much you should look to cover.

Please remember that the tool only provides an indication of what might be suitable for you so it always makes sense to speak to an adviser to run through in more detail before taking out any cover.


Does your family rely on your income to pay the bills?
What do you contribute to your core outgoings including mortgage/rent?
Invalid format. per month
How many months would your employer provide sick pay?
months
How many months could you keep up with your bills using savings?
months
Do you have a mortgage you pay each month?
How much is your mortgage payment each month?
Invalid format. per month
What is the total amount outstanding on your mortgage?
Invalid format.
How long does your mortgage have left to run?
years
Is it a joint mortgage with your partner?
Do you have a repayment or interest only mortgage?
Do you have any children under the age of 21?
What is the age of your youngest child?
years old

Drewberry Insurance services are rated 4.9 / 5 based on 137 client reviews

Risk of Death Calculator



Although it’s not nice to think about, it does make sense to know your risks when deciding if life insurance products are worthwhile. As such, we’ve built a risk of death calculator to highlight that we’re unfortunately a little more mortal than many of us believe.

We have designed this calculator using data from the Office for National Statistics to help you understand the risk of death during the term of your mortgage. Simply enter your details below and find out...
Current Age
years Invalid format.
Length of Mortgage
years
Gender
 
 
 
 

Insurer Claims Statistics



When choosing our personal protection we want to know it is going to pay out when we need it to. By choosing a product or specific insurer from the menu below you will be able to view the claims payout rates for all of the main UK insurers for income protection, life insurance and critical illness insurance.


Frequently asked Family Insurance questions


I'm a barrister and want to know if I'm eligible for income insurance as I'm self-employed?
I wanted to know why I should consider an income protection plan, why is this type of cover important? I have some savings (maybe about 6 months worth of income) but wouldn't get much sick pay. Do I need income protection insurance? Would I not receive state incapacity support of I had an accident or became sick in any case?
I have a few loans and I am thinking of taking out payment protection to cover them and my other monthly expenses in case I am off work sick.
I’m looking for an insurance to pay me a salary if I suffer a minor disability, like a broken leg, does this exist?
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3. We are Human
We are real people with feelings who are here to help you.
4. We are truly Independent
We believe the best advice has to be completely unbiased.
5. We are here to Educate
We are here to educate you so you can make informed decisions.

We would love to hear from you, whether you are enquiring about our services, a career, or a business partnership.

  enquiries@drewberryltd.com
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Published by Andrew Jenkinson
Financial Services Authority