I'm retiring: do I still need my protection?
Perhaps, depending on your circumstances. Income protection usually becomes less relevant once you stop earning. Life cover may still matter if you have a mortgage, a partner who relies on your pension, or you want to leave money for family or inheritance tax. Review what each policy does before cancelling.
Policies ending at retirement
Many income protection policies end at your planned retirement age. Check the end dates.
Pension death benefits
Your pension may pay benefits to a partner. Factor these in when deciding what cover you still need.
Whole-of-life cover
If you want to leave a lump sum regardless of when you die, whole-of-life cover may be relevant.
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