I'm paying school/university fees — should that be protected?
Life insuranceCritical illness cover
The short answer
If keeping your children in education would matter to you after your death or serious illness, it may be worth factoring fees into your cover. Estimate the remaining cost and how long it runs, then check whether your life, critical illness or income protection cover would meet it alongside other family costs.
Matching the term
Cover could run until your youngest child finishes education.
Decreasing need
Fees reduce each year, so decreasing cover or a separate policy may suit.
Trusts
A trust can help make sure money is used for the purpose you intended.
Sources
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026