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Home insurance provides you with some financial protection if things go wrong at home. This includes things such as theft and fire. If you have accidental damage cover, which can often be added at an additional cost, it’ll even cover you from damage caused by things like drinks or food spilled on the carpet.

There are two main types of home insurance which are buildings insurance and contents insurance. Buildings insurance looks after the structure of your house – walls, ceilings, fixtures and fittings. Contents insurance protects the things inside like your TV, furniture and valuables.

You can choose to have both buildings and contents insurance, or pick the one that’s most suitable for you.

Life insurance, which is also known as life assurance, is a way of financially helping your loved ones if you die or are diagnosed with a terminal illness while covered by the policy.

You’ll need to choose a policy that matches your needs. When you apply for life insurance, you’ll have to decide how much you want it to pay out. This could be enough to pay off the mortgage or leave your family with an inheritance.

This is an optional form of insurance that can be added at an additional cost when you take out life insurance.

Critical illness cover helps to support you and your loved ones financially if you’re diagnosed with a critical illness that’s covered by the policy.

This type of insurance will pay out a lump sum to help cover the cost of your treatment or to pay the bills.

Critical illness cover can pay out for a wide range of medical conditions, including strokes, heart attacks, certain types of cancer. You’ll need to check your policy to see everything that’s covered.

Over 50s Fixed Life Insurance offers guaranteed acceptance for UK residents aged 50 – 80. And, could be an affordable way to support your loved ones, if you pass away. Providing a cash lump sum, which could be used to help settle unpaid bills, contribute towards funeral costs or as a small gift to those who matter most.