insurance advice
Life is great, then suddenly it isn’t.
Accidents, illness, or loss can leave you and your loved ones feeling overwhelmed, having the right protection in place is key. We're here to help you make the right decisions to protect your family.
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Why choose us
We'll help protect everything you love.
Don't wait until it's too late to get life insurance, critical illness or income protection cover. Let us take care of everything from the insurance quote to application and everything in between.
Save Time
Don’t waste your valuable time researching insurance policies and completing lengthy application forms. We’ll take care of it for you.
Save Money
We'll offer recommendations for your specific needs and circumstances. This ensures you're not paying for unnecessary coverage.
Personalised Advice
By comparing plans from multiple insurance providers, we'll aim to find the right insurance quotes to keep your family protected.
Couldn’t have asked for better service!
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Thousands of people have trusted our expert protection advisors to help offer peace of mind when things wrong.
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How we can help
Life happens
This is where life insurance, critical illness cover, and income protection come in. These products provide financial support at times when you need it most—allowing you to focus on recovery, your family, or your emotional wellbeing without the added stress of financial uncertainty
Life Insurance
A life insurance policy ensures that, in the event of your passing, your loved ones receive a financial payout to cover funeral expenses, pay off debts, and maintain their standard of living. It’s a way to leave a legacy of protection and stability, even when you're no longer there.
Critical illness cover
Critical illness cover provides a lump-sum payment if you're diagnosed with a covered serious illness. This can be used to cover medical bills, lifestyle changes, or even time off work for treatment and recovery. It helps alleviate some of the financial strain and gives you the peace of mind to focus on getting better
Income protection
Income protection insurance provides a replacement income if you are unable to work due to illness or injury. This can be a lifesaver, especially if your illness is long-term. With income protection, you can maintain financial stability, paying for day-to-day expenses and keeping your home without relying on savings.
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Get peace of mind
Insurance policies can feel overwhelming. With so many options and confusing jargon, it’s easy to choose the wrong cover or leave yourself and your family underprotected.
Imagine facing a critical illness, the loss of income, or even a family tragedy, only to realise your policy doesn’t fully cover your needs. Without the right guidance, you risk leaving gaps in your protection that could burden your loved ones financially at the worst possible time.
A GHL Direct insurance adviser simplifies the process, offering tailored advice to help you choose the right cover for life insurance, critical illness, and income protection. They compare options to ensure you have the protection you need for peace of mind.
Whats it all about?
Your insurance questions
Life insurance is a financial safety net designed to provide financial support to your loved ones after you pass away. It works by paying out a lump sum, known as a death benefit, to your chosen beneficiaries if you die during the policy term.
The payout can be used to cover various expenses, such as:
- Household bills and living costs
- Mortgage repayments or other debts
- Childcare or education expenses
- Funeral costs
Critical illness cover is a type of insurance that provides a tax-free lump sum payment if you're diagnosed with a serious illness or medical condition listed in your policy. It’s designed to ease the financial burden during a challenging time, allowing you to focus on your recovery without worrying about money.
The payout can be used for:
- Covering lost income if you’re unable to work
- Paying for medical treatment or rehabilitation
- Covering household expenses or childcare
- Repaying debts or mortgages
Conditions commonly covered include cancer, heart attack, stroke, and multiple sclerosis, though the specifics vary by provider. It’s important to read the terms carefully to understand what is and isn’t covered.
Critical illness cover provides peace of mind, ensuring you have financial support if life takes an unexpected turn
Home insurance is a type of property insurance that protects your home and its contents against damage or loss caused by unexpected events.
You may also know this as Buildings & Contents insurance which covers the structure of your home and its contents.
Opting for cheap insurance or using comparison sites isn’t necessarily a mistake, but it can be risky if the policy doesn’t meet your needs or provide adequate coverage. Here are some points to consider:
Insufficient Cover: Low-cost policies may not provide enough protection for your circumstances, leaving you underinsured.
Limited Benefits: Certain events, conditions, or illnesses might be excluded, reducing the policy's value when you need it most.
Higher Out-of-Pocket Costs: Cheap policies may have higher excesses or fewer perks, leading to unexpected expenses when making a claim.
Unreliable Providers: Some low-cost insurers may have poor customer service or a history of slow claims processing.
Rather than focusing solely on cost, aim to strike a balance between affordability and quality. Compare policies, understand the terms, and consider using an insurance advisor to ensure you’re getting good value for money.
It’s better to invest slightly more in a policy that truly protects you and your loved ones than to risk being underprotected.