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Frequently Asked Questions
Answers to the most common questions about UK protection insurance.
What does life insurance cover?
Life insurance pays out a lump sum or regular income to your family if you die during the policy term. It can help cover mortgage repayments, replace lost income, or maintain your family's standard of living. Some policies also include a terminal illness benefit, paying out early if you're diagnosed with a condition expected to end your life within 12 months.
Do I need a medical for cover?
Not necessarily. Most standard life insurance policies are offered without a medical, especially for younger applicants or lower levels of cover. If you have pre-existing health conditions or are applying for a higher sum, the insurer may request a GP report or medical examination. Your adviser will guide you through what's needed.
What happens when a claim is made?
When a claim is made, your insurer will ask for relevant documentation — such as a death certificate or medical evidence. Claims are assessed by the insurer, not MatchedRight. Your adviser will be able to guide your family through the process if needed.
How is my premium calculated?
Insurers calculate your premium based on several factors, including your age, health history, smoker status, lifestyle, and the level and length of cover you need. Generally, the younger and healthier you are when you take out a policy, the lower your premium will be. Getting covered sooner rather than later is almost always better value.
How long does it take to get covered?
In many cases, you can be covered within days of applying — sometimes even the same day. The timeline depends on whether additional medical information is needed. If your application is straightforward, your policy can be in force quickly after you accept your terms and make your first premium payment.
Why use an introducer instead of going direct to an insurer?
As an introducer, MatchedRight searches across the market to match you with the right adviser for your circumstances — not just one provider's products. Going direct ties you to a single insurer's range. Using an introducer costs you nothing extra and can save you time, money, and the stress of researching the market yourself.
MatchedRight is an introducer only and is not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice. We introduce clients to independent FCA-authorised financial advisers. Any advice given will be by the adviser, not MatchedRight. Our introduction service is provided at no cost to you. © 2026 MatchedRight Protection. All rights reserved.