how to build your policy so it won't let your family down
You're probably wasting money on your cover, and you don't even know it
Your payout probably wouldn’t cover half of what you think it would.
That’s not your fault, nobody ever showed you how to work it out properly.
This guide breaks it down step-by-step, so you’ll know exactly how much protection your family really needs and you finally get value for money.
Instant download | No spam | Zero doubt
What if the number you picked when your first got your policy isn’t even close to what your family needs now?
I see it all the time, a lump sum chosen but with no clear reason why. Families who lose an income but didn’t consider monthly lifestyle needs, or policies that expire years before kids reach independence. This guide gives you a clear, no-nonsense way to decide how much cover you should have and for how long, so it won’t let them down.
In 5 minutes, you’ll understand what most policyholders often don't get told.
Accommodation
Mortgage or service housing? Plan for either paying off the mortgage or buying a home if you live in military accommodation.
Lifestyle
Make sure you family can still meet the costs of living. Without your income, life probably isn’t looking all that great.
Funeral Costs
Make sure your family aren’t reaching for the credit card to pay for your funeral.
Kids Education
Have you got kids in private or boarding school? Can you afford to keep them there if you’ve lost an income?
Inheritance Creation
Leave a head start. Use cover to create a modest, purposeful legacy.
Choosing the Term
Match term to goals: until mortgage ends, until children are independent, to state pension age, or to the end of your military career. (Why layering policies can be smarter and better value).
I’ve built my reputation fixing these problems for serving personnel, veterans and their families.
Hi, I’m Stu, a regulated insurance broker and SIIAP-approved adviser.
For years, I’ve helped serving personnel, verterans and their families make sure their cover won’t let them down.
This guide shares what I wish every person understood before they ever bought a policy.
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Stag Protect is a trading style of Batsrock Financial Ltd (company number 11755118) which is an Appointed Representative of Andrews Risk Consulting. Andrews Risk Consulting is a trading style of Stuart Andrews who is authorised and regulated by the Financial Conduct Authority (FCA Number: 820518)