Life insurance, critical illness cover and income protection

CoverLife arranges personal protection insurance for families, homeowners and self employed people. We are based near Romsey in Hampshire and are a trading name of CoverTrade Risk Management Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference number 1020148. Life insurance pays out if you die during the term of the policy. It is usually arranged to clear a mortgage or to leave enough behind for the people who depend on you. Critical illness cover pays a lump sum on diagnosis of one of the conditions listed in the policy, so that treatment and time away from work do not have to come out of savings. Income protection replaces part of your income if illness or injury stops you working. It matters most if you are self employed, or if statutory sick pay is all your employer provides. We are an intermediary rather than an insurer. We compare cover from a range of insurers and explain the differences that actually affect a claim, such as the definitions a policy uses and how long you wait before it starts paying. Office hours are Monday to Friday, 09:00 to 17:30.