There's nothing more important in life than your loved ones. But if something happens to you, what happens to them?

Or, if you're single and have worked hard for the lifestyle you have, isn't it worth protecting financially? What if an accident or illness meant you could no longer work or you needed time to recover? How would you meet monthly commitments such as mortgage payments, food and utility bills?

It's not something any of us like to think about. In fact, many people choose not to think about the worst case scenario at all – up to 8.5 million* adults in the UK are thought to have no life, critical illness cover or income protection in place for such an event.

But can you afford to take the risk? Could you or your family expect the same standard of living without your income?

If you want to be prepared for the unexpected, that's where we can help. Our advisers are happy to chat through what you can do to put protection in place for you and your family.

Source:  Scottish Widows Protection Report Research, Nov 2013, show that only 17% of UK adults have financial protection. 2011 Census data shows 50.2m adults in the UK.

Although it’s important, many of us don’t have protection cover in place. Today we don’t think twice about insuring our house contents, pets or mobile phones, but we often don't think about protecting ourselves.

Protection for Life is a plan which aims to help you protect yourself against the unexpected. You can take out Life, Critical Illness and Income Protection cover within one plan. The plan is easy to set up and easy to pay for with only one monthly Direct Debit payment. What’s more you can apply to amend the type and level of cover as your needs change - for example when you buy a home or have children.

You can discuss your protection needs with an adviser who will help you create a plan to suit your individual needs and budget.