The Protection Guy

The Protection Guy Covering Life Insurance, Critical Illness Cover, Income protection, Business Protection, and so much more.

Think of your protection more like a puzzle, and we're here to help you put all the pieces together.

The second thing I won't stop talking about as an Insurance Broker: Indexation 🗣️I promise I’m not trying to bore you, b...
05/12/2025

The second thing I won't stop talking about as an Insurance Broker: Indexation 🗣️

I promise I’m not trying to bore you, but this is one of the most vital, and most overlooked, details of your policy!

Here’s the simple truth: Inflation is silently draining the power of your cover. We've all felt the pinch, whether it's the cost of the weekly shop or seeing the Energy Price Cap jump (it recently went up 2% for October to December). If the cost of living keeps climbing, but your policy stays static, your cover is worth less every single year.

That's why Indexation is non-negotiable.

It's the smart mechanism that automatically increases the amount of cover you have annually. This means the benefit you receive 10 or 20 years down the line maintains its real-world purchasing power, ensuring you can actually pay the bills then, not just the bills from now.

The worst policy is the one that's not enough when you need it most.

👉 Swipe to see why Indexation is the secret to inflation-proofing.

Ready to check if your policy is keeping up with today's costs?

🔗 Use our FREE Protection Questionnaire in the link in my bio to determine your true protection needs.



⚠️ Important Notice & Compliance Statement: This post discusses features of insurance policies. The suitability and cost of Indexation will vary based on individual policy terms and circumstances. Choosing to increase cover may lead to an increase in premium. Please use the calculator to assess your current needs and consult with us to discuss the options available for your specific situation. Terms, conditions, and exclusions apply to all insurance policies.

"Peace of mind is exactly what he gave!" 😌That’s the goal of everything I do. Dealing with "the not so nice things" shou...
27/11/2025

"Peace of mind is exactly what he gave!" 😌

That’s the goal of everything I do. Dealing with "the not so nice things" should never be stressful. It should feel supportive and personal. Thank you, Rebecca!

Head over to Trustpilot to read more client stories like this one: https://www.trustpilot.com/review/theprotectionguy.co.uk

Most clients I speak to already have a Shareholder Agreement. They feel secure. But when I ask the crucial question: “Wh...
12/11/2025

Most clients I speak to already have a Shareholder Agreement. They feel secure. But when I ask the crucial question: “What is your FUNDING mechanism?” they often realise their robust legal document is actually sitting on a massive financial vulnerability.

A legal agreement is just a promise until you put the cash behind it.

If a business owner dies or is seriously ill, the agreement mandates that their shares must be bought out. But where does the surviving partner suddenly find hundreds of thousands of pounds?

That's the gap I close. I listen to your business goals and then put the financial engine (Share Protection Insurance) in place to make sure that legal promise actually works when you need it most.

This isn't about ticking a box; it's about protecting the value you've spent years building.

In my latest blog, I unpack why your Shareholder Agreement is fundamentally UNFUNDED, and the simple steps you can take to fix it.

🔗 Read the full guide over on our site.

Important Note: Shareholder Protection is an insurance policy. Tax treatment depends on individual circumstances and is subject to change. Always seek independent financial and legal advice specific to your business from a qualified professional. Terms and conditions apply.

“We paid £40 a month for 15 years, and they wouldn't pay out.”That is a tough call I never want to receive. The client d...
10/11/2025

“We paid £40 a month for 15 years, and they wouldn't pay out.”

That is a tough call I never want to receive. The client did the right thing: they bought Critical Illness Cover. But when life hit, they found their policy was effectively worth £0 because of a tiny piece of jargon they didn’t understand.

The most expensive policy is the one that doesn't pay out.

If you’re shopping for protection, remember this: the cheapest quote often means the weakest coverage. You save a few quid now, but you risk everything later because the insurer’s definition of 'Critical Illness' is too narrow for your situation.

My job isn't to sell you the first policy I find. It’s to listen to your life, family, and medical history first, and then find the provider with the broadest, most robust definitions that match your risk.

I read the small print so you never waste a single penny on an “almost-right” policy.

👉 DM me to book a 15-minute Policy Review. Zero obligation, just straight, honest clarity.

Note: Critical Illness Cover is an insurance policy. It pays out a lump sum benefit only if the diagnosed condition meets the policy's specific definitions. Premiums are based on the risk and scope of cover. Terms, conditions, and exclusions apply. Always seek professional advice.

“Always super friendly & helpful.”That’s what Hannah said, and I really appreciate it.For me, being helpful isn’t about ...
07/11/2025

“Always super friendly & helpful.”

That’s what Hannah said, and I really appreciate it.

For me, being helpful isn’t about quick fixes or ticking boxes. It’s about taking the time to understand what people actually need and making the whole process feel easy.

That’s what I try to do for every client.

👉 You can read Hannah’s full review, and others, over on Trustpilot.

And if we’ve helped you recently, leaving a quick review on Google or Trustpilot really helps others find us too.

When planning for your family’s future or buying your first home, you think about the mortgage, nursery, even the garden...
05/11/2025

When planning for your family’s future or buying your first home, you think about the mortgage, nursery, even the garden furniture… but what about the unexpected?

Two terms often come up: Income Protection and Critical Illness Cover. They sound similar, but they protect you in very different ways. Understanding the difference is the first step to feeling truly secure.

In my latest blog, I break down what each one does, and which one your family really needs.

🔗 Head over to my site to read: “Protecting Your Future: Income Protection vs. Critical Illness Cover"

Many people think Critical Illness Protection is a blanket safety net for any serious health issue, but that’s not quite...
17/10/2025

Many people think Critical Illness Protection is a blanket safety net for any serious health issue, but that’s not quite how it works.

Each policy is different, and the details matter. Knowing what’s covered (and what isn’t) can make a huge difference when life takes an unexpected turn.

Here we unpack:

✅ What Critical Illness Protection actually is
✅ What’s typically covered
✅ What’s not
✅ And how to make sure you’re properly protected

This isn’t about scaring you, it’s about helping you make confident, informed decisions for yourself and your family.

Not sure where to start? Book a free 15-minute call with me: no jargon, just clear, simple guidance tailored to you and your family.
Prefer email tips? Join the newsletter → theprotectionguy.co.uk/newsletter

Meet Sarah. She’d worked hard, built a six-figure career, and wanted to protect her income. But when she went to the big...
15/10/2025

Meet Sarah. She’d worked hard, built a six-figure career, and wanted to protect her income. But when she went to the big names, she didn’t feel listened to. Instead, she felt nervous, like she’d pay a lot of money for something that wasn’t right for her.

That’s when she came to me.

Two ears, one mouth. I listened first. I understood her goals, her worries, and her “what ifs.” Then we built the right cover for her life, not for a spreadsheet.

Now Sarah has peace of mind, knowing her family and income are protected properly.

If you’ve ever worried you’re paying for the wrong protection, or not getting advice that fits you, let’s talk. I’ll listen, and give you the right advice.

Protection is rising up the agenda in 2025:51% of advisers expect demand for income protection to grow44% predict growth...
02/10/2025

Protection is rising up the agenda in 2025:

51% of advisers expect demand for income protection to grow
44% predict growth in life insurance

(Source: Simpli Financial Solutions)

But here’s the reality:

💡 Only 1 in 11 people in the UK have income protection
💡 Most think it costs ~£60/month…but it can actually start anywhere from £20/month.

(Source: Drewberry Insurance)

Protection isn’t just for “later.” Learn why it’s essential now and how to get started → https://www.theprotectionguy.co.uk/post/income-protection-in-2025-why-more-people-are-finally-paying-attention

“Old school.” That was the word a recent client used about me, and honestly, I’ll take it.For them, it meant I did somet...
30/09/2025

“Old school.” That was the word a recent client used about me, and honestly, I’ll take it.

For them, it meant I did something simple but often overlooked: listened first, understood their needs, and then found the right providers to fit their situation. Even with health issues making cover harder to secure, we got there together.

For me, that’s what this job is all about. Not chasing the cheapest policy, but finding the right policy, one that works for real people with real challenges.

👉 Read the full review, and more, over on Trustpilot: https://www.trustpilot.com/review/theprotectionguy.co.uk

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