Protecting What Matters Most

Life can change in an instant, but with the right cover, you stay in control. Whether it's shielding your income through Income Protection if you're too ill to work, getting a lump sum after a serious diagnosis through Critical Illness Cover, or making sure loved ones are finacially secure if the worst happens, through Life Cover - Protection gives you peace of mind.At ProtectNext, we make it easy to underdstand your options and connect you with trusted advisers who can match you to the most suitable product - a tailored service, free of charge. We're focused on helping people under 35 make informed decisions early, while premiums are low and cover is easier to get. Going through a regulated adviser means you'll get personalised recommendations and FCA protection - something online forms can't offer.

Income Protection

Protect Your Paycheque

Your income is your foundation - and if you couldn't work due to illness or injury, how would you cover your rent, bills or lifestyle? Income Protection pays you a monthly income if you're too ill to work, helping you stay financially stable while you recover. It's especially important if you're under 35 and building your future - because sick pay doesn't last long, and savings only stretch so far. Getting cover early means lower premiums and better terms, and going through an adviser ensures it's the right policy for you.

Critical illness cover

One Lump Sum Payout, One Less Worry

A serious illness doesn't just impact your health - it can derail your finances, career and future plans. Critical Illness Cover pays out a tax-free lump sum if you're diagnosed with a life changing condition. That money can help clear debts, cover treatment costs, or simply give you breathing room during recovery. For under 35s, it's an affordable way to protect your lifestyle and avoid relying on family or loans if the worst happens. An adviser can help you with the right level of cover, no jargon, no pressure, just clarity.

Life cover

Leave Stability,
Not stress

No one likes to think about it - but if you died unexpectedly, would your partner, children, or family be financially secure? Could they afford to grieve properly? Life Cover pays out a lump sum to the people you choose, helping them manage things like rent or mortgage payments, childcare, or day-to-day living costs. For under 35s, it's a low-cost way to make a big difference, and secure your families financial wellbeing should the worst happen.

reassuring and straightforward

Not Sure What You Need?

ProtectNext is here to educate you on Protection Insurance, and our trusted advisers are here to support and guide you into selecting the best cover for your situation. For under 35s especially, getting the right cover early can make all the difference. An adviser helps you figure out what matters, explain things simply, and finds the cover that suuits you, leaving you complete peace of mind. The younger and healthier you seek cover, the more affordable it is.

3 Simple Steps to get insured

Step 1 - Drop us an email
Send a message to [email protected] with the following:
- Full Name
- Age and Occupation
-Mobile Number
-Preferred time to call
You can also include any contact preferences (e.g. text first, evening calls only) and we'll stick to them.

Step 2 - We do the work
We'll match you with a trusted, FCA-regulated adviser who specialises in helping people under 35. No Comparison sites, no forms, no chasing - your adviser will handle the application process for you.Step 3 - Get a call, talk it through
Your adviser will reach out to you through your preferred method of contact and walk you through your options and explain what cover makes sense for you. No pressure, no jargon - just clear, helpful advise to help you decide what's next.Not quite ready? That's fine too - feel free to ask a question instead, and you can decide whether to move forward later.

GIOs - Cover That Grows With You

Life changes fast - new job, new home, or maybe a new family. Guaranteed Insurability Options (GIOs) let you increase your cover when major life events happen without needing to answer new medical questions (no further underwriting). It means cover can keep up to date with your life, even if your health changes.For under 35s building their future, this flexibility is key - and advisers can help you make sure your policy includes it from day one. This is vital, as it means future increases will still be based on your current health - even if your circumstances change. Without a GIO or policy at all, getting cover at a later date could mean much higher prices if your health deterioates. Starting early locks in your options, for life.

The Sooner, The Smarter

Cover is cheapest when you're young. Protection is one of the only things you can lock in early - and benefit from for decades. The younger and healthier you are, the lower the cost and the better the terms. Even if you don't feel like you need it now, your future self will thank you for getting in early.An adviser can help you build in flexibility, so your cover grows with your life, regardless of what comes next. Lock in better prices while you can - and adjust it later when things cahnge.

Where ProtectNext Fits In

We're not the adviser, we just help connect you to one. ProtectNext isn't here to sell you anything. We're here to make it easy to understand your options and connect you to a qualified, regulated financial adviser, all free of charge, who can get your policy on risk, as hassle free as it comes.We focus on the stuff that matters for under 35s - Income Protection, Critical Illness Cover, Life Cover -and make sure you know why they're worth considering. From there, it's your choice. We'll match you with someone who can guide you through it, pressure-free and free of charge.

What Next?

Free, simple, and on your terms. If any of this has made you stop and think - even for a second - taking the next step doesn't have to be a big deal. ProtectNext can help connect you with a trusted adviser who is regulated and qualified. They'll walk you through your options, explain what is worth considering and what isn't, and help you build protection that fits your life, with flexibility for the future. No pressure. No obligation. Just clarity, confidence and control.Prefer to look elsehwere? That's completely fine too - what matters is getting valuable and correct advice and getting the right level of cover, not where you get it from. We help eliminate the need to scan the markert, we have done the leg work for you.

Income protection stats

When Paycheques Pause, Income Protection Pays

- 2.8 Million UK adults are currently out of work due to long-term sickness or injury, yet under 17% have cover. (actuarialpost.co.uk)
- 71% of adults in the UK have never explored income protection, with 19% saying they have never heard of it. (aviva.com)
- 1 in 4 workers under 35 have experienced a long-term illness or injury that keeps them off work for 4+ weeks.
- On average, young adults claim income protection for about 22 weeks.

Critical illness stats

Serious Illnesses Happen. Luckily, So Do Serious Payouts

- 1 in 2 people in the UK will be diagnosed with a critical illness by age 70. (British Heart Foundation, Cancer Research)
- Young Adults (18-34) represent 22% of critical illness claimants. (Eleos Protection Insight Report 2024)
- Critical Illness claims increased by 13% in the last few years. (Association of British Insuers, ABI Protection Report 2023)

Life cover stats

Gone but Not Broke

- 21% of UK adults aged 16-24 have life cover - the highest of any age group.
- £3.92 billion paid out in Life cover to 48,782 policyholders in 2023.
- 97% of new life insurance claims get paid, with an average payout of £80,403
- Without Life Cover, 1 in 3 families face severe financial hardships within a year of a breadwinners death. (Money Advice Service)

How we get paid

Keeping it transparent

ProtectNext is completely free to use.If you choose to speak to a protection adviser we refer you to, and you go ahead with a policy, we may recieve a small referral fee - paid directly by the adviser, not by you.This does NOT increase the cost of your premiums. You'll never pay more by going through us than you would direct.We only work with qualified, regulated advisers who offer advice with your best interest at mind.