The right cover for your real life.
Everyone's circumstances are different. We do not sell a single policy off a shelf. We build a protection plan around your income, your family, your mortgage, and the gaps you actually have.
Four kinds of cover. One joined-up plan.
Life Insurance
Financial protection for your family if the worst happens. We find the right level of cover, the right term, and the right price for your circumstances.
- Level and decreasing term
- Joint and single options
- Whole of life where appropriate
- Written-in-trust guidance included
Critical Illness Cover
A lump sum payment if you are diagnosed with a serious illness. Covers mortgage, treatment, and lost income during recovery. Often combined with life cover for efficiency.
- 50+ critical conditions covered
- Children's cover often included
- Standalone or combined with life
- Guaranteed and reviewable premium options
Income Protection
A monthly income if you cannot work due to illness or injury. The most important protection most people do not have.
- Short and long term options
- Up to around 70% of your income
- Own-occupation definitions available
- Deferred periods explained properly
Buildings and Contents
Protect your home and what is in it. The right level of cover in place from day one of ownership, with the right exclusions understood up front.
- Combined and standalone policies
- Accidental damage options
- High value items
- Landlord cover where needed
Most people are underinsured.
People insure cars and phones without hesitation and leave their income and family completely unprotected. We help you close that gap, properly.
Your income is your biggest asset
If you cannot work, everything else stops. Income protection keeps the rest of your life moving.
State benefits are not enough
Statutory Sick Pay is around £116 per week and lasts up to 28 weeks. That will not cover a mortgage.
It costs less than you think
Life cover can start from as little as £5 per month at younger ages and healthy profiles. We find the right rate for your circumstances.
We review it every year
Your circumstances change. We check your cover annually so it still fits your life.
Four steps to the right cover.
Protection review
A conversation to understand your current cover, income, debts, and what you need to protect.
Needs analysis
We assess exactly what level of cover you need based on your income, outgoings, dependants, and goals.
Recommendation
We present the right products from across the market with clear costs and benefits explained in plain English.
Application and setup
We handle the application, liaise with the insurer, and make sure your cover starts on time.
Protection FAQs.
Do I really need life insurance?
If anyone depends on your income, a partner, children, or ageing parents, then yes. Life insurance ensures they are financially protected if you are no longer there.
What is the difference between life insurance and critical illness cover?
Life insurance pays out on death. Critical illness cover pays a lump sum if you are diagnosed with a serious condition such as cancer, heart attack, or stroke, while you are still alive.
How much cover do I need?
A general rule is around 10 times annual income for life cover, and up to 70% of monthly income for income protection. We calculate the right amount for your specific situation.
Can I get cover with a pre-existing condition?
Yes in most cases. Some conditions may be excluded or attract a higher premium, but we work with specialist insurers who consider a wide range of medical histories.
How much does protection cost?
Life cover can start from as little as £5 per month at younger ages and healthy profiles. We compare the whole market to find the right rate for your circumstances.
What happens if I miss a payment?
Most policies have a grace period. We advise clients to set up a direct debit and to contact us immediately if they are struggling, so we can explore options before the policy lapses.
