True Protect

"So what actually is Family Income Benefit?"

It's one of those protection products that many people haven't heard of, but often makes perfect sense once it's explained.

Unlike traditional life insurance, which typically pays out a lump sum, Family Income Benefit can provide your loved ones with a regular monthly income if you pass away during the policy term.

For some families, that regular income can feel more like replacing a salary than receiving a one-off payment.

It's designed to help cover the everyday things that don't stop when life changes:

🏠 Housing costs
🛒 Food shopping
⚡ Household bills
👨‍👩‍👧 Family expenses

Every family's situation is different, which is why it's important to understand the options available.

Had you heard of Family Income Benefit before today? 👇

When people hear "critical illness cover", they often think of medical bills.

But that's not usually what recovery looks like.

Recovery might mean:

🏠 Extra travel costs
💷 Reduced income
🛏️ More time away from work
👨‍👩‍👧 Family members helping with care
🚗 Adapting daily routines

The financial impact of a serious illness often goes far beyond treatment.

Critical illness cover is designed to provide a lump sum if you're diagnosed with a covered condition, helping you focus on recovery rather than money worries.

Because getting better should be the priority.

School holidays are here. ☀️

For many business owners, that means juggling client calls, childcare, annual leave and trying to remember what day it is.

Running a business often means you're the planner, problem solver and chief tea maker all at once.

But if you're the person keeping everything moving, what happens if illness suddenly takes you out of the picture?

Business protection can help create breathing space when it's needed most.

Not because you're planning for disaster.

But because good businesses plan for disruption.

Even during the summer holiday chaos.

Every business has that person.

The one who knows where everything is, the one clients ask for by name, the one who fixes problems before anyone else even notices them and the one whose annual leave request is met with...

"Great! Enjoy your holiday."

Followed immediately by...

"Oh no. What are we going to do while you're away?"

If your business relies heavily on one person's suburb skills, knowledge or relationships, it's worth asking a bigger question:

What would happen if they were unable to work for a much longer period due to serious illness or injury?

That's where Key Person Insurance can help.

Because some people are more than employees.

They're a huge part of what keeps a business moving.

We’ve been thinking recently about how we, as a people, absolutely love procrastinating important admin!

There’s always a reason: the weather’s nice, work’s busy, the kids are off soon, you’ll “sort it this weekend”.

Then suddenly it’s October and you’re still avoiding the same life admin task you meant to do in March.

A truly British talent, honestly 🇬🇧

But in all seriousness, keeping your financial admin up to date matters more than most people realise.

Old addresses, outdated beneficiaries, forgotten workplace cover, policies you haven’t reviewed in years…

Future-you will be VERY grateful you sorted it sooner rather than later ✨