The exact balance of protection cover needed will vary from person to person, and family to family. That’s why its important to get protection advice that’s right for you. Its also important to review your cover regularly as your circumstances are likely to change over time.

There are three main types of protection cover to consider:

Life Insurance

There can be a lot to think about when it comes to choosing the right life insurance policy.

  • How much cover do I need?
  • Is term insurance or whole of life the best option?
  • Am I paying a competitive premium?
  • Should I write the policy in trust?

Life insurance is a crucial safety net designed to protect your loved ones in case the worst happens. Receiving a payout from a life insurance policy can be the difference between your loved ones facing a financial struggle at a challenging time and being able to maintain their same standard of living

Income Protection

Income protection provides you with a tax-free income if you are unable to work due to injury or illness. At the end of your chosen deferred period, income protection steps in to make sure you and your loved ones don’t suffer undue financial hardship, allowing you to maintain normality and the same standard of living at a turbulent time. Payment will continue until you are able to return to work or the policy end date.


Critical illness cover

This type of policy pays out a lump sum if you are diagnosed with a particular illness set out by the terms of your cover. Critical illness cover can be an option under a life insurance policy or as a standalone policy.

The tax-free payment could help fund your medical treatment, childcare costs, or household bills, while allowing you to maintain your standard of living. It might also help towards making changes to your home should you require these.

Our short video explains more on this:

You can read more about Life Insurance in our topic guide:



Should you want to get in touch with us, please email or give us a call on 0333 222 4483. Or alternatively get in touch with your adviser.

Contact us today

At Tenet Financial Services you can rest assured that you will get financial advice that’s tailored to you, your individual needs, goals and aspirations for the years to come

If you’d like to find out more about us and the financial advice we provide, please call 0333 222 4483, email or complete our contact form below and we’ll get in touch with you.

NOTE: We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy or contact our Leeds office.

Contact Information

Tenet Financial Services
5 Lister Hill
LS18 5AZ


Phone: 0333 222 4483
PROVIDERS: This email address is not for provider use. If you are a product provider and do not have an email address for the adviser you need to contact, please call 0333 222 4483.