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
Life insurance can provide a financial payment if you die during the policy term. We help you consider an appropriate amount of cover, policy term and structure based on your circumstances and budget.
- Level or decreasing cover may be available
- Single or joint policies may be considered
- Whole-of-life cover may be suitable in some circumstances
- Trust options can be discussed where appropriate
Critical Illness Cover
Critical illness cover can pay a lump sum if you are diagnosed with an illness that meets the policy's definition. The illnesses covered, definitions, exclusions and children's benefits vary between insurers and policies.
- Standalone or combined cover may be available
- Policy definitions and the illnesses covered vary
- Children's cover may be available on some policies
- Premium options depend on the insurer and product
Income Protection
Income protection can provide a monthly benefit if illness or injury prevents you from working and your claim meets the policy terms. The amount, payment period, deferred period, occupational definition, exclusions and premium vary by policy.
- Short-term and long-term benefit periods may be available
- The maximum benefit depends on income and insurer rules
- Different occupational definitions may be available
- Deferred periods can be selected to reflect sick pay and savings
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 may be significantly lower than your normal income and may not cover your regular commitments. Employer sick pay, savings and state support vary, so it is important to assess your own potential income gap.
What it costs depends on your circumstances
The cost of protection depends on factors such as your age, health, occupation, smoking status, the amount of cover and the policy term. We compare suitable options and explain the cost before you decide whether to apply.
We review it every year
We offer regular protection reviews so your cover can be reassessed when your circumstances change.
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 the costs and benefits of each set out clearly.
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?
Life insurance may be worth considering if someone depends on you financially, if you have debts or a mortgage, or if you want to provide financial support after your death. Whether it is suitable, and how much cover may be appropriate, depends on your individual circumstances.
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?
The right amount depends on your income, debts, mortgage, dependants and any cover you already have. Maximum benefit levels vary by insurer and product. We assess what may be appropriate for your circumstances before making a recommendation.
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?
The cost of protection depends on factors such as your age, health, occupation, smoking status, the amount of cover and the policy term. We compare suitable options and explain the cost before you decide whether to apply.
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.
