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Cover types, in plain words

Four kinds of long-term insurance an adviser can talk to you about: what each one is, what it is not, and questions to ask an adviser. Information, not advice.

Disability cover, in plain wordsThe two kinds of disability cover, lump sum and income, how a policy defines disability, what it is not, and questions to ask an adviser. Information, not advice.Income protection, in plain wordsWhat income protection is, how the waiting period works, temporary and permanent benefits, what it is not, and questions to ask an adviser. Not advice.Life cover, in plain wordsWhat life cover is, who receives the money, what it is not, how insurers decide on cover, and questions to ask an adviser. Information, not advice.Severe illness cover, in plain wordsWhat severe illness (critical illness or dread disease) cover is, how conditions and severity levels work, what it is not, and questions to ask an adviser.

The words used on these pages are defined in the glossary.

Talk it through with an adviser

SortMyCover does not sell cover, give advice or quote premiums. It books a 30-minute call with an adviser from an FSCA-authorised financial services provider, who can talk about cover for your situation.

Book my adviser call

The call costs you nothing. Advisers pay SortMyCover a fee for the service. The fee does not depend on whether you buy anything. SortMyCover takes no commission and no share of any premium.

What happens when you book

  1. Answer two quick questions

    Your age band and a monthly budget band. Then your first name and mobile number.

  2. Pick a time

    You get your adviser’s name, practice and FSP number on WhatsApp, and choose a time that suits you.

  3. Talk to the adviser for 30 minutes

    By video, WhatsApp or phone. The adviser tells you how they are paid. You decide afterwards. The call costs you nothing.