Attention: Expecting & New UK Mums

Are you one of the 30% of British mums1 who don't have life insurance or critical illness cover?

If you are, you are in the clear minority.

After my health scare I'm passionate about helping families protect themselves.

It's a 30 second form and potentially the most important and loving thing you will ever do.

Lara xoxo

1 Less than a third of people in the UK (30%) have life insurance (Moneywise, 2018)

1 in 29 children will lose a parent before 162

1 in 2 brits get cancer or other critical illness3

2 1 in 29 children will lose a parent before 16 (Child Bereavement Network, 2015)

3 1 in 2 brits will get cancer or other critical illness (Cancer Research UK)

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My name is Lara, I'm a full-time working Mum...

...A stereotypical juggler of life and superhero to my two girls.

I’ve lived by the sea for ten years, never more than a few hundred metres away from a beach view.

It’s funny how complacent you become – life is too busy to stop and appreciate what we have around us.

That is, until life stops you.

I’d always kept going, running low on fuel, putting my kids and work first; me at the bottom of the list because, "I’ll be ok."

Somehow, surviving on no sleep and a combination of wine and coffee seemed a sensible solution because, "it will never happen to me..."

In summer of 2019 my life changed.

It was an ordinary Wednesday and I was at my desk feeling tired. An odd kind of tired. The wrong kind of feeling that made me want to write letters to my girls.

First to my eldest (eleven), reinforcing many life lessons, words of advice and love.

Second to my youngest (two), an apology for leaving her so soon and a thank you for the joy she had brought to my life in such a short space of time.

I had no idea why I had written these notes. All I knew is that I had to.

Two days later I awoke at midnight, uncontrollably shaking and feeling freezing cold but with a temperature of over forty degrees.

Next thing I was being wheeled into the Major Units ward at A&E.

I couldn’t possibly be really ill, could I? I needed to be out of the hospital in time to see my girls before school and nursery.

But when half a dozen nurses and doctors appeared, throwing needles and lines into my arms like I was a human pin-cushion, I realised I wasn’t going anywhere soon.

My immune system was attacking itself. I was told I had Sepsis – a disease that poisons the blood and causes untold damage to your internal organs. People die from this.

From my bed, I glimpsed the sea off in the distance, glistening and existing as it has done for my whole life. It had never seemed as far away as it did in that moment.

They say your life flashes before your eyes. I saw the ‘what-if’ of life without me, playing out with scary clarity in the theatre of my mind.

What was this alternative reality like for my girls? For my husband who had been managing the house, the kids, his job and managing to see me over the last few days? How would he comfort our girls and himself? How would my girls still have the life I’d dreamed for them?

I had some comfort knowing that my life insurance would mean the mortgage would be paid off, a roof over their heads.

I can’t tell you how much comfort that gave me, let alone knowing that my husband wouldn’t have the additional financial burden - I needed him strong, to continue to be their Dad and take my place whilst also dealing with his own grief.

For the first time in over one hundred checks, my temperature had dropped, my blood cultures were clear... there was progress. Things started to feel a little bit more normal.

I was discharged a few days later.

Life is unexpected – it does not give us notice.

Since my battle with sepsis, I have reassessed everything in my life and put all of my affairs in order.

I’ve amended my life insurance policy to not only pay off our mortgage, but to provide a lump sum for my family.

Money for the kids when they’re older – university tuition, their first car, a deposit on a house, a wedding... whatever they choose to do, they’ll have funds to do it.

I was "one of the lucky ones".

But you might not be.

Life insurance is so important – please don’t put it off.

Think insurance is a waste of money?

This is Heidi's story...

UK Mums Are Rushing To Get Up To £300,000 Life Cover From Only £10 Per Month4

As mums we want to protect our family from everything bad, including financial hardships, and provide stability for the future. However, as much as we want to believe we’re fully in control, sometimes life has other plans and there is no tomorrow for us, but our loved ones are left behind.

How would your family cope financially if you died unexpectedly?

Who will pay your mortgage, credit card debts and outstanding bills if you are no longer around to pay them?

Where will the money to pay for your funeral come from?

Life insurance pays out a tax free lump sum on your death, helping your family with everyday financial burdens and even providing a gift for them to continue pursuing their dreams. Insurance may actually be much cheaper than you think and could be an inexpensive way to protect your loved ones.

Protect Line is a free UK comparison service where mums can find the right protection plan to suit them and their needs. Many customers are pleasantly surprised when they receive their quotes because they’re often much cheaper than expected.

For example, a 30 year old with an ideal lifestyle could be covered for £300,000 over 30 years, for just £10 a month. You could pay as little as £5 for less cover, and most people don’t pay more than £25 a month, even if they’re significantly older or have pre-existing health conditions.

Life insurance isn’t for you, it’s for them – with just a simple process you can remove all financial stress for your family, allowing them to grieve without worry for the future. Getting a personalised quote has never been easier and could be the most selfless thing you do for your loved ones.

4 £10 per month pays for £300,000 of cover for 30 years for a 30 year old non-smoker, based on perfect health.

Typically, protection plans have no cash-in value and cover will cease at the end of the term, or if premiums are not maintained.