Statutory Sick Pay Has Changed But Would It Cover Your Bills

A man in his mid-30s sitting on a living room sofa with his leg in a cast, looking thoughtfully at a utility bill.

If you couldn’t work because of illness or injury, how long could you keep paying your mortgage and household bills? It’s a question that’s easy to put off. But with the rules around Statutory Sick Pay changing this year, it’s a good time to think about what financial support you would have if your income […]

Critical Illness vs. Income Protection: Which Do You Need?

Nobody wants to think about getting seriously ill. It’s the kind of conversation we’d all rather skip over, until life forces the issue. But here is the reality: I’ve known clients who have faced a cancer diagnosis, a stroke, or a heart attack. These are real people with mortgages, kids, and lives they carefully built. […]