Family Protection
More than Life Insurance
A flexible mix of covers that adapts to your family’s setup. From illness to income gaps, it’s built around the people who rely on you most.
More About Family Protection 👪
Life’s unpredictable - but your family’s financial security doesn’t have to be. Personal Protection from Waddle brings together the right cover, the right advice, and the right people to make sure your loved ones are safe, whatever comes their way.
Most people don’t come looking for a product. They come with a moment. Start with yours.
Keep the roof over their heads if the worst happens.
Somebody small now depends on you. Let’s make that feel safe.
No sick pay, no safety net. Your payslip’s backup plan.
A diagnosis changes everything. Money shouldn’t be one of the worries.
Pass on more of what you’ve built, and spare them the bill.
Life moves on. Policies don’t. We’ll check yours for free and tell you honestly if it still fits.
Book a Policy Check 🤒Insurance isn’t about ticking boxes - it’s about real people, real futures, and real peace of mind. At Waddle, we don’t do one-size-fits-all. We look at your whole situation, talk through what matters to you, and build a plan that’s clear, simple, and genuinely useful.
What you can expect from us:
And if you’re not sure where to start, don’t stress - our friendly advisers will work around you, on your time, to make getting cover easy.
Seven kinds of cover. You’ll probably need one or two. We’ll tell you which.
More than Life Insurance
A flexible mix of covers that adapts to your family’s setup. From illness to income gaps, it’s built around the people who rely on you most.
More About Family Protection 👪A safety net for life’s biggest “what if”
A tax-free lump sum if you pass away, to cover the mortgage, bills, and give your family breathing space when they need it most.
More About Life Cover 🐧
Your payslip’s backup plan
If illness or injury stops you from working, this cover replaces part of your income so essentials stay covered and you can focus on getting better.
More About Income Protection 💰
Keep the roof over their heads
Pays off or reduces your mortgage if you pass away or become critically ill, protecting your family’s home and stability.
More About Mortgage Protection 🏫
Financial support when health takes a hit
A lump sum if you’re diagnosed with a major illness like cancer or suffer from a heart attack or stroke. It’s about recovery first, money second.
More About Critical Illness 🧑⚕️
One last act of care
Helps cover funeral costs - from services to flowers - easing the burden on your family at the toughest of times.
More About Funeral Cover 🧡
Pass on more of what you’ve built
Helps manage inheritance tax liabilities so more of your wealth goes to your loved ones, not the taxman.
More About Legacy Cover 🌸
What it pays, who it pays, and who it’s for. A quick guide to the shape of each cover - the full detail is on each product page.
| Cover | What it pays | Who gets the payout | Good for |
|---|---|---|---|
| Life Insurance | A lump sum if you pass away | Your family | Anyone whose family would struggle with the bills without them |
| Income Protection | A monthly income if illness or injury stops you working | You | Anyone who couldn’t get by for long without their pay |
| Critical Illness Cover | A lump sum if you’re diagnosed with one of the serious conditions it covers | You | Giving yourself room to recover without money worries |
| Mortgage Protection | Helps pay off your mortgage if you pass away or become seriously ill | You or your family, towards the mortgage | Homeowners with a mortgage and people who rely on them |
| Funeral Cover | A fixed lump sum when you pass away | Whoever you choose - a loved one or the funeral provider | Helping your family with the cost of a funeral |
| Legacy (IHT) Cover | A lump sum when you pass away, kept out of your estate if placed in trust | Your loved ones, to help with the Inheritance Tax bill | People whose estate is likely to face Inheritance Tax |
Family Protection brings several of these together in one plan. Payouts are usually tax-free when the policy is set up correctly - we’ll talk you through it before anything is set up.
Advice is easy to promise. Here’s what happened when our clients needed theirs in 2025.
Graham came to us for a second opinion on his protection. We uncovered a 17-year-old policy with unbeatable cover - one worth holding onto. Two years later, after a stroke, that legacy policy paid out £75,000 when he needed it most. The right advice. At the right time. For all the right reasons.
Read Graham’s Story ⛳It’s a mix of insurance types - Life Cover, Critical Illness, Income Protection and more - designed to work together so your family’s finances stay steady, whatever happens.
Not at all. Some people only need Life Cover, others might need a mix. We’ll look at your situation and recommend what’s right for you. There’s no one-size-fits-all.
Enough to keep your household running if income stops. We’ll help balance your outgoings, lifestyle, and future plans to find the right level.
Life Insurance is one policy. Family Protection combines different covers (like Life, Income, and Critical Illness) into one plan that adapts as your family grows.
We’ll review them for free with our Policy Check service. If they’re solid, we’ll say so. If there are gaps or risks, we’ll explain them clearly and give you honest options.
Life changes. A new baby, new home, or new job can leave gaps in cover. A free Policy Check makes sure your protection still fits your needs.
Yes. In the UK, over 95% of protection claims are paid every year. We also step in to manage the process, so you’re not left chasing paperwork.
We’ll chat about your needs, check what cover fits best, and handle the setup for you. No jargon, no pressure. Just straight, FCA-regulated advice.
Our advice is fully regulated and comes at no cost to you. We’re paid by insurers if you take out a policy, and we’ll always explain this clearly up front.
We care properly. That means honest advice, clear communication, and sticking with you long after the policy is set up - especially if you ever need to claim.
We’ll review your cover with you. Whether it’s a new home, new job, or new family member, we’ll make sure your protection still fits.
Sadly, no (they’re hard to house-train). But you will get smart advice, no-nonsense support, and the warm feeling of being properly protected.
Already have protection in place? We believe your cover should grow with you. Our Policy Check service reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working at its best for you.
Your business is more than work - it’s your livelihood, your team’s future, and sometimes your family’s too. Business Protection keeps things steady if illness, injury, or worse gets in the way, covering key people, income, and shareholders.
Explore Business Protection 💼
