Family Protection Cover

Family protection insurance is a combined set of policies designed to provide financial support to your loved ones if you're no longer able to, due to death, critical illness, or serious injury. It ensures that your partner, children or dependents can continue to manage household bills, mortgage payments, childcare costs and day-to-day living without added financial stress.

For many people, family protection is the most important insurance they’ll ever take out.

Life insurance

Pays a lump sum or monthly income if you pass away during the policy term. This can be used to repay a mortgage, cover everyday living costs, or secure your family’s future.

Critical illness cover

Pays out if you’re diagnosed with a serious illness (like cancer, stroke or heart attack) that meets the policy’s criteria. It helps cover lost income, treatment costs, or family needs while you recover.

Income protection

Provides a monthly income if you can’t work due to illness or injury. It helps your household stay afloat while you focus on getting better.

Family income benefit

Rather than a lump sum, this provides a regular income to your family if you pass away, similar to a salary, continuing for a set number of years. Ideal for families with young children.

Family protection is important for:

Couples or individuals with children or financial dependents
Homeowners who want to ensure the mortgage is covered if something happens
People whose household relies on a single or joint income
Parents who want ongoing support for their children if they’re no longer around
Anyone who wants to provide long-term financial security to their family

You don’t need to be married or a parent to apply; the key factor is that someone relies on your income or support. Cover can be set up as a joint or individual policy.

Your age and overall health

The type and amount of cover you choose

Whether the policy is for life insurance, critical illness, or income protection

Whether you’re a smoker or have pre-existing conditions

The length of the policy term

Whether the payout is a lump sum or a monthly income

It’s easy to compare policies online, but much harder to know if they’re fit for purpose. With so many terms, exclusions and cover limits, it’s not always clear what you’re actually buying.

That’s where we come in.

At Jigsaw, we:

Help you understand what you really need, based on your family and finances
Compare a wide range of trusted insurers, not just one provider
Tailor your protection to match your mortgage, income, and lifestyle
Review any existing cover you already have and identify potential gaps
Handle all the paperwork, quotes, and applications on your behalf

We know these conversations can feel sensitive, but we approach them with clarity, care and discretion.

How can we help you?

Know your budget

Get a quick estimate of your buying power based on your income and budget.

Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

Find out what you can afford in minutes

Understanding what you can realistically afford is the first step toward a stress-free homebuying journey. Our affordability tool gives you a quick and accurate estimate of how much you may be able to borrow based on your income, expenses, and deposit.

It’s completely free to use, doesn’t affect your credit score, and takes just a couple of minutes. Whether you’re a first-time buyer, moving up the ladder, or simply exploring your options, our tool can help you plan with confidence and avoid unwanted surprises later.

Rate match guarantee

You won't find a better deal anywhere else and if you do we will pay the difference!

What is family protection insurance?

What does it include?