---
title: "Life Insurance and Protection Advice | Phil Anderson Financial Services"
url: https://www.philandersonfinancial.co.uk/insurance/
description: "Independent advice on life insurance, critical illness cover, income protection and business protection, for the whole family, not just the main earner."
updated: 2026-11-04
publisher: Phil Anderson Financial Services (FCA 631218)
---

# Insurance and protection

We help you put cover in place so your family can pay the bills if you die, fall seriously ill or cannot work. We compare insurers for you and advise on the cover you actually need, not the most expensive policy.

- **Cover we advise on:** Life, critical illness, income protection, family income benefit, whole of life, business protection
- **Who it’s for:** Families, homeowners, the self-employed and business owners
- **Home insurance:** Introduced to Safe & Secure Insurance

## Why protect anyone other than the main earner?

Most people insure the person who brings home the money. Fewer insure the person who looks after the children and runs the house, and replacing that work costs far more than people expect.

We look at the whole household, so everyone who matters to the family budget is covered.

> “He consistently provides good advice, in a relaxed friendly manner. Nothing is too much trouble.” (Peter, Oldmeldrum)

## Which types of cover do you advise on?

### Personal cover

- Life assurance
- Critical illness cover
- Serious illness cover
- Income protection insurance
- Family income benefit
- Whole of life insurance
- Accident, sickness and unemployment cover

### Health and business

- Private medical insurance
- Health insurance
- Relevant life policies
- Business protection

## What about home insurance?

For buildings, contents and landlord insurance we introduce you to Safe & Secure Insurance, who work with five of the best-known UK home insurers. Ask us and we will put you in touch.

## Insurance and protection: your questions answered

### How much life insurance do I need?

It depends on your mortgage, your debts, your income and who relies on you. We work out the figure with you in your first meeting, so you are not over-insured or under-insured.

### What is the difference between life insurance and critical illness cover?

Life insurance pays out if you die during the policy term. Critical illness cover pays out if you are diagnosed with a serious illness listed in the policy. Many people combine the two.

### What is income protection?

Income protection pays you a monthly income if you cannot work because of illness or injury, until you return to work or the policy ends.

### Can you review a policy I already have?

Yes. We can check whether your existing cover still fits your life and whether it is still good value.

## Who will I speak to?

      [Louise Cormack Mortgage and Protection Adviser](/meet-our-team/#louise-cormack)[Phil Anderson Founder and Director](/meet-our-team/#phil-anderson)[Kevin Philip Financial Adviser, Mortgage Adviser and Equity Release Specialist](/meet-our-team/#kevin-philip)[Lewis Jackson Mortgage Adviser](/meet-our-team/#lewis-jackson)[Kayleigh Ross Financial Planner and Mortgage Adviser](/meet-our-team/#kayleigh-ross)

> “We were on a very tight deadline and Neil made it his priority to get our mortgage set up quickly and efficiently.” (Alana, Aberdeen)

      [Speak to an adviser](#enquiry)

Last reviewed November 2026

Financial protection policies typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.

    [Trusted since 2011 · read client stories](/testimonials/)

> “What you did for us took all the worry away and answered all the questions.” (Katrina, Orkney)