Working with leading UK insurance providers
What is Non-Medical Insurance?
Non-medical Insurance policies provide a simple and accessible way to protect yourself and your family without the need for medical examinations, extensive health questionnaires, or GP reports. Allowing cover to be arranged quickly and efficiently.
Many non-medical policies, including selected MetLife & National Friendly products, provide protection against a range of unexpected life events, such as accidental injuries, fractures, hospital stays, serious illnesses, and pregnancy-related complications. As these plans do not require medical underwriting, pre-existing medical conditions are generally excluded from cover.
Depending on the policy selected, benefits may be paid as a cash lump sum or short-term income, helping to cover household bills, mortgage payments, childcare costs, or other unexpected expenses. Non-medical Insurance can provide valuable financial support and peace of mind, helping families manage the financial impact of life’s unforeseen events.
Benefits
A Financial Safety Net
Helps keep your finances on track during difficult times.
Guaranteed Acceptance
Guaranteed acceptance for eligible applicants, regardless of medical history.
Multiple Claims Allowed
Unlike many traditional policies, multiple claims are allowed.
Good to know
Additional Health & Wellbeing Support
Many policies include benefits such as unlimited virtual GP appointments, second medical opinions, and wellbeing support services for you and your family.
Cover Your Children Too
Give your family added protection by including your children on your policy.
Get Covered
Answer a few questions and arrange a FREE consultation with one of our experts.
We’ll find you a personalised list of policies to choose from.
MetLife: Everyday Protect
MetLife Everyday Protect is an affordable and highly customisable protection plan designed to help you handle the financial disruption of accidental injuries, hospital stays, or death. You can choose between 1 and 5 units of cover to scale your premium and benefits according to your personal monthly budget.
National Friendly: Friendly Shield
Friendly Shield offers short-term accident and sickness protection designed to be simple, quick to set up, and affordable. It features three core coverage tiers—Bronze, Silver, and Gold—with premiums clearly structured based on your entry age and whether you opt for accident-only or combined accident and sickness protection.
Over 8,000 families protected
Charlotte Grant
Milly was absolutely amazing throughout. Really friendly and knowledgable. I now have life insurance, critical illness cover, pregnancy cover and cover for the baby, for literally the equivalent of what I probably spend on coffee a month, or my phone contract! Can’t believe I didn’t sort this sooner, the process was really smooth and literally sorted in less than 24 hours. Also really worth looking into the world wide cancer cover options too. Thank you so much for all of your help. Charlotte
Jessica Groom
Karla was amazing !! She explained everything to me for me and my partners insurance, not only the dearest options but all available options with different pricing and different variation on what we could have covered. She made sure I had all of my questions answered and was super efficient when doing this. She has helped me and partner massively with needing life insurance, Plus also gave us guidance for home and context insurance too. I honestly could not reccomend her enough. Thank you so much for all your help Karla ! You have made this process so easy !
rebecca baxter
Highly recommend. The Protection Parent took me through all of my available options with a high degree of knowledge. Everyone I spoke to was approachable, provided assurance when needed and guided me through the process with ease.
Kiran S
Amazing service start to finish. Karla is brilliant, she’s very knowledgable and honest. Karla made us feel like family and there was no pressure to spend loads of money. Karla gave us so many options and we went through every single detail until we were happy. Thank you for helping protect my family and me with such excellent cover.
Kieran Feighery
Karla put the work into helping me understand the cover I actually needed, what the barriers were to getting it, and finding the right level of cover for me with my somewhat interesting medical history. I'm confident I've the right cover in place now and would highly recommend her to anyone.
Amy Barnett
After my Dr's been an absolute nightmare to release documents to the insurers I've finally got my life insurance sorted again 😁 All thanks to the lovely Karla Edwards at The Protection Parent very helpful and understanding. My hat goes off to her for the patience 🫶🏼 If anyone is thinking of getting life insurance i would highly recommend, its all down to you and what you want to pay, they have different covers what suits you best 👌🏻 just give them a message to see what they can offer you WILL be surprised! Thanks again to you and the gorgeous team 💕
lewis Dowson
I was recommended to Karla at The Protection Parent by a friend. I already had life insurance and critical illness policies in place, but I was also looking for income protection. I contacted Karla, and she was friendly and professional throughout. She found me a great policy and also reviewed my existing cover. Following the review, she managed to upgrade my policy so that I had much better cover at a cheaper rate. I would highly recommend Karla for your insurance needs.
Luke Rogers
We have used Karla for our life insurance needs for the last 2 and a half years and have recently changed our policy. Nothing is too much trouble including the endless questions. She knows the ins and outs of the products she is recommending. Communication is so easy, Would definitely recommend. Coral & Luke
Andrew Ainsworth
Karla was extremely knowledgable and went above and beyond in talking though policies and answering questions. She made the whole process really easy and straightforward, with great advice, support and communication throughout. It’s reassuring to know you have a good broker and advisor on your side to make sure policies are set up correctly. Many thanks for all your help and advice! Would highly recommend! 👏🏻👍🏻
Leanne Robson
Went above and beyond to support me with my Life Insurance which lasted awhile nothing due to her though she constantly checked in with me thank you so much!
How does it work?
Our process is quick and convenient; you can complete everything online or over the phone, wherever and whenever it works best for you. Simply fill out the contact form to get started, and we'll guide you through the next steps to help protect what matters most.
Answer a few questions
Fill out our simple online form so we can learn more about you.
Speak with an Adviser
One of our Advisers will call you to discuss your options.
Choose the right policy
We will recommend an insurance policy based on your needs.
Frequently asked questions
We’ve created a list of the most commonly asked questions regarding Non-medical Insurance. For more frequently asked questions, visit our help and support page.
Speak with an expert
Need further help? Speak with one of our Advisers.
No. Both MetLife Everyday Protect and National Friendly Shield allow you to apply and gain coverage in minutes with absolutely no medical questions to answer, health history forms to complete, or physical screenings required.
Any benefits paid out directly to you from plans like MetLife Everyday Protect are completely free from UK Income Tax and Capital Gains Tax. However, inheritance tax may potentially apply if a payout is distributed after the death of the policyholder.
Yes. MetLife offers an optional Child Cover add-on that protects your children from birth up to their 23rd birthday. National Friendly Shield allows you to easily add your spouse and children to the core policy with competitive pricing tiers.
For MetLife Everyday Protect, UK hospital admissions due to sickness or pregnancy-related complications are covered once you have held the policy for at least 12 months. For National Friendly Shield, the sickness-related income benefit can be accessed after a short 14-day waiting period.
About Us
Industry Leading Advice
The Protection Parent is an award-winning independent insurance broker dedicated to helping individuals and families across the UK find the right protection for their needs. By working with a wide panel of leading providers, we offer access to a broad range of policies and handle the research, comparison, and application process on our clients’ behalf.
Our goal is to ensure every family has the right level of protection in place, tailored specifically to their individual circumstances, priorities and budget. Taking the time to understand each client’s needs, concerns, and future plans allows us to guide you through every step of the process and ensure your loved ones are properly protected.
Proud to be a multi-award winning Protection firm
Help & Support
Discover our support guides and frequently asked questions for more information on choosing the right insurance.
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Need further help? Speak with one of our Advisers.
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