Protection that actually fits your life, not a template.
Life cover, critical illness, income protection, and home insurance. These are the products most people buy badly because no one ever explained them properly. We will, and the consultation is free.
WHAT WE ADVISE ON
The Right Cover For Your Situation.
Every life looks different. We build a protection plan around yours, not around a generic policy template.
Life Insurance
Financial protection for your family if the worst happens. We find the right level of cover at the right price for your age, health, and circumstances.
✓ Level and decreasing term options
✓ Joint and single policy options
✓ Whole of life cover available
✓ Written in trust guidance provided
Find out more →Critical Illness Cover
A lump sum payout if you are diagnosed with a serious illness. Covers mortgage payments, treatment costs, and lost income during recovery and beyond.
✓ Covers 50+ critical conditions
✓ Children's cover often included
✓ Standalone or combined with life cover
✓ Guaranteed and reviewable premium options
Find out more →Income Protection
A monthly income if you cannot work due to illness or injury. The most important protection most working adults do not have, but really should.
✓ Short and long term policies available
✓ Up to 50-65% of gross income
✓ Own occupation definition available
✓ Deferred period options explained clearly
Find out more →Buildings & Contents
Protect your home and everything in it. We make sure you have the right level of cover for your property and contents from day one of ownership.
✓ Combined and standalone policies
✓Accidental damage cover options
✓ High value items covered
✓ Landlord insurance available
Find out more →These are the cover types most people need. We also advise on Family Income Benefit (FIB)
and Accident and Sickness (A&S) cover. Whatever your situation, book a free review.
and Accident and Sickness (A&S) cover. Whatever your situation, book a free review.
50+
Critical conditions covered
Life Insurance from £5 per month
1 in 2 people get cancer in their lifetime
Most people have no income protection
Average UK sick pay lasts 28 weeks
State benefits rarely cover your lifestyle
Why Protection Matters
Most UK adults are underinsured.
People insure cars, phones, and laptops without hesitation. Most do not insure the one thing those purchases rely on: their income.
Your Income is Your Biggest Asset
Your income is your biggest asset
Body: If you cannot work, everything else stops. Income protection keeps your life on track when health does not.
State Benefits Are Not Enough
Statutory Sick Pay is £118.75 per week and lasts up to 28 weeks. It will not cover a London mortgage.
It Costs Less Than You Think
Life cover often starts from £5 to £10 per month depending on age and health. Income protection is also affordable.
We Review It Every Year
Your circumstances change. We check your cover annually so it keeps pace with life, not the other way round.
HOW IT WORKS
Three steps to the right cover.
1
Free first review
A short conversation to understand your income, family, current cover, and what genuinely needs protecting. No pressure.
2
Needs and market analysis
We assess the level of cover you actually need, then compare insurers across the whole market and bring you the right options.
3
Application and ongoing review
We handle the application, liaise with the insurer, and check your cover every year so it keeps pace with your life.
common Questions
Frequently Asked Questions
Straight answers to the most common
protection questions.
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 covered condition while you are still alive, for example cancer, heart attack, or stroke.
How much cover do I need?
It depends on your circumstances, not a rule of thumb. We typically assess outstanding mortgage debt, dependants' financial needs, and any other liabilities. For income protection, most policies cover between 50% and 65% of your gross income, or up to 70% of your net income, depending on the insurer.
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 health histories.
How much does protection cost?
Life cover can start from as little as £5 per month depending on your age and health. We compare the whole market to find the best rate for your circumstances.
What happens if I miss a payment?
Most policies have a grace period. We always advise clients to set up a direct debit and contact us immediately if they are struggling, so we can explore options before the policy lapses.
Protect What Matters Most
Ready to protect what matters?
Book a free, no-obligation protection review. We will tell you honestly what you need, what you do not, and what it should cost.
Book a Free Protection Review