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ACIIDipCII (Life & Pensions)

Sarah Mitchell

Lead Editor, Life & Protection · 14 years' experience
Term lifeIncome protectionCritical illness
LinkedIn profile

About Mitchell

Sarah Mitchell spent eight years as a regulated protection adviser before moving into independent insurance journalism. She holds the Advanced Diploma in Insurance from the Chartered Insurance Institute and the DipCII Life & Pensions module. At InsuranceDico she leads our life and protection coverage, oversees underwriting accuracy, and reviews every guide in the category before publication.

Guides by Sarah

Public Liability Insurance for Small Businesses: A Practical Guide (2026)
Business

Public Liability Insurance for Small Businesses: A Practical Guide (2026)

Updated 1 May 2026 9 min
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Public Liability Insurance for Contractors: Coverage, Cost, and the Principal Contractor Rules Explained (2026)
Business

Public Liability Insurance for Contractors: Coverage, Cost, and the Principal Contractor Rules Explained (2026)

Updated 1 May 2026 9 min
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Public Liability Insurance Comparison: How to Evaluate Policies (2026)
Business

Public Liability Insurance Comparison: How to Evaluate Policies (2026)

Updated 1 May 2026 9 min
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How Much Life Insurance Do I Need? The Calculation Framework
Life

How Much Life Insurance Do I Need? The Calculation Framework

Updated 15 April 2026 9 min
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Term Life Insurance Cost: What Affects Your Premium in 2026
Life

Term Life Insurance Cost: What Affects Your Premium in 2026

Updated 15 April 2026 9 min
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Term Life Insurance Over 50: What Are Your Real Options?
Life

Term Life Insurance Over 50: What Are Your Real Options?

Updated 15 April 2026 9 min
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Life Insurance With a Mortgage: What You Need and What You Don't
Life

Life Insurance With a Mortgage: What You Need and What You Don't

Updated 15 April 2026 9 min
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Term Life Insurance vs Whole Life Insurance: Which Should You Choose?
Life

Term Life Insurance vs Whole Life Insurance: Which Should You Choose?

Updated 15 April 2026 9 min
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Getting Life Insurance With Pre-Existing Medical Conditions
Life

Getting Life Insurance With Pre-Existing Medical Conditions

Updated 15 April 2026 9 min
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Life Insurance for Smokers: Costs, Options, and How to Reduce Premiums
Life

Life Insurance for Smokers: Costs, Options, and How to Reduce Premiums

Updated 15 April 2026 9 min
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Life Insurance for Single Parents: Getting the Right Protection
Life

Life Insurance for Single Parents: Getting the Right Protection

Updated 15 April 2026 9 min
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What IS IT — Whole Of Life Insurance UK Guide (2026)
Life

What IS IT — Whole Of Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Cost — Whole Of Life Insurance UK Guide (2026)
Life

Cost — Whole Of Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Worth IT — Whole Of Life Insurance UK Guide (2026)
Life

Worth IT — Whole Of Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Inheritance Tax — Whole Of Life Insurance UK Guide (2026)
Life

Inheritance Tax — Whole Of Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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VS Over50s — Whole Of Life Insurance UK Guide (2026)
Life

VS Over50s — Whole Of Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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What IT Covers — Critical Illness Cover UK Guide (2026)
Life

What IT Covers — Critical Illness Cover UK Guide (2026)

Updated 15 April 2026 9 min
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Cost — Critical Illness Cover UK Guide (2026)
Life

Cost — Critical Illness Cover UK Guide (2026)

Updated 15 April 2026 9 min
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VS Income Protection — Critical Illness Cover UK Guide (2026)
Life

VS Income Protection — Critical Illness Cover UK Guide (2026)

Updated 15 April 2026 9 min
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With Life Insurance — Critical Illness Cover UK Guide (2026)
Life

With Life Insurance — Critical Illness Cover UK Guide (2026)

Updated 15 April 2026 9 min
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Claims Statistics — Critical Illness Cover UK Guide (2026)
Life

Claims Statistics — Critical Illness Cover UK Guide (2026)

Updated 15 April 2026 9 min
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Children — Critical Illness Cover UK Guide (2026)
Life

Children — Critical Illness Cover UK Guide (2026)

Updated 15 April 2026 9 min
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Pre Existing Conditions — Critical Illness Cover UK Guide (2026)
Life

Pre Existing Conditions — Critical Illness Cover UK Guide (2026)

Updated 15 April 2026 9 min
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What IT Covers — Income Protection Insurance UK Guide (2026)
Life

What IT Covers — Income Protection Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Cost — Income Protection Insurance UK Guide (2026)
Life

Cost — Income Protection Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Self Employed — Income Protection Insurance UK Guide (2026)
Life

Self Employed — Income Protection Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Waiting Period — Income Protection Insurance UK Guide (2026)
Life

Waiting Period — Income Protection Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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VS Payment Protection — Income Protection Insurance UK Guide (2026)
Life

VS Payment Protection — Income Protection Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Short Term — Income Protection Insurance UK Guide (2026)
Life

Short Term — Income Protection Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Claims Process — Income Protection Insurance UK Guide (2026)
Life

Claims Process — Income Protection Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Best Plans — Over-50S Life Insurance UK Guide (2026)
Life

Best Plans — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Cost — Over-50S Life Insurance UK Guide (2026)
Life

Cost — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Worth IT — Over-50S Life Insurance UK Guide (2026)
Life

Worth IT — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Comparison — Over-50S Life Insurance UK Guide (2026)
Life

Comparison — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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NO Medical — Over-50S Life Insurance UK Guide (2026)
Life

NO Medical — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Sunlife Review — Over-50S Life Insurance UK Guide (2026)
Life

Sunlife Review — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Legal General Review — Over-50S Life Insurance UK Guide (2026)
Life

Legal General Review — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Funeral Plan VS — Over-50S Life Insurance UK Guide (2026)
Life

Funeral Plan VS — Over-50S Life Insurance UK Guide (2026)

Updated 15 April 2026 9 min
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Key Person — Life Insurance For Business (Key Person) UK Guide (2026)
Life

Key Person — Life Insurance For Business (Key Person) UK Guide (2026)

Updated 15 April 2026 9 min
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Shareholder Protection — Life Insurance For Business (Key Person) UK Guide (2026)
Life

Shareholder Protection — Life Insurance For Business (Key Person) UK Guide (2026)

Updated 15 April 2026 9 min
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Relevant Life Policy — Life Insurance For Business (Key Person) UK Guide (2026)
Life

Relevant Life Policy — Life Insurance For Business (Key Person) UK Guide (2026)

Updated 15 April 2026 9 min
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Partnership Protection — Life Insurance For Business (Key Person) UK Guide (2026)
Life

Partnership Protection — Life Insurance For Business (Key Person) UK Guide (2026)

Updated 15 April 2026 9 min
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Excepted Group Life — Life Insurance For Business (Key Person) UK Guide (2026)
Life

Excepted Group Life — Life Insurance For Business (Key Person) UK Guide (2026)

Updated 15 April 2026 9 min
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Term vs Whole of Life: Which UK Policy Actually Wins?
Life

Term vs Whole of Life: Which UK Policy Actually Wins?

Updated 28 March 2026 11 min
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Published elsewhere

  • Why protection sales keep missing the middle market
    Money Marketing
  • Income protection: the underwriting gap nobody talks about
    Cover Magazine