Income protection
Your income pays for everything else, yet it is the thing most households leave unprotected. Income protection pays a regular monthly amount if illness or injury stops you working.
We tailor the deferred period, cover level and term to your sick pay and outgoings, so you only pay for the protection you actually need.
- Replaces up to around 60% of your gross income
- Pays until you return to work or the policy term ends
- Deferred periods matched to your employer’s sick pay
- Options for the self-employed and contractors
- Advice is free; the insurer pays us commission
Life insurance
Life insurance makes sure a mortgage is cleared and your family can stay in their home if the worst happens. It is often far cheaper than people expect.
We compare level, decreasing and family income benefit policies across leading UK insurers and help you write the policy in trust, so the money reaches the right hands quickly.
- Level and decreasing term cover compared side by side
- Cover shaped around your mortgage and family needs
- Joint or single policies, whichever suits you better
- Free help placing your policy in trust
- Existing policies reviewed, we only switch if it helps
Over 50s life insurance
If you are aged 50 to 85, an over 50s plan guarantees acceptance with no medical questions, paying a cash lump sum when you die that can help with funeral costs or be left as a gift.
We compare providers on premiums, payout levels and features such as funeral benefit options, and we are honest about when this type of plan is, and is not, the right answer.
- Guaranteed acceptance for UK residents aged 50 to 85
- No medical questions or examinations
- Fixed premiums that never rise
- Optional funeral benefit arrangements
- Straight-talking advice on whether it suits you
Critical illness cover
A serious diagnosis changes everything overnight. Critical illness cover pays a tax-free lump sum on diagnosis of a specified condition, giving you money to clear the mortgage, adapt your home or simply take time off.
Policies differ hugely in what they cover. We read the definitions so you do not have to, and recommend the policy whose small print actually stands up.
- Tax-free lump sum paid on diagnosis
- Cover for conditions such as cancer, heart attack and stroke
- Children’s cover included with many leading policies
- Can be combined with life cover to save money
- Definitions compared, not just headline prices
Buildings & contents insurance
Buildings insurance is a condition of every mortgage, and the right contents cover protects everything inside. We arrange both, matched to your rebuild cost rather than a guess.
From accidental damage to alternative accommodation, we make sure the policy would actually perform on the day you need it, and we review it at every renewal.
- Buildings cover that satisfies your mortgage lender
- Contents insured on a new-for-old basis
- Accidental damage and personal possessions options
- Landlord and tenant policies for buy-to-let owners
- Renewal reviews so you never drift onto a poor deal
Whole of life insurance
Unlike term insurance, whole of life cover is guaranteed to pay out whenever you die, making it a powerful tool for inheritance tax planning and leaving a certain legacy.
We model premiums against the guaranteed payout, explain how policies written in trust can sit outside your estate, and work alongside your solicitor or accountant where useful.
- A guaranteed payout, whenever the time comes
- Often used to meet an expected inheritance tax bill
- Premiums fixed or reviewable, both explained clearly
- Policies written in trust to keep proceeds outside the estate
- Coordinated with your wider estate planning
Documents you’ll need
Protection applications are simpler than mortgages, but having these to hand makes quotes faster and more accurate. We will confirm exactly what your chosen insurer needs.
- Photo ID (passport or driving licence)
- Proof of address (recent utility bill)
- Last 3 months’ payslips or 2 years’ accounts
- Last 3 months’ bank statements
- Proof of deposit or equity
- Details of loans, cards and commitments
Protection questions, answered
Young and healthy is exactly when cover is cheapest to buy and easiest to get. Premiums are locked in at your current age and health, so waiting almost always costs more.
Life insurance pays out when you die; critical illness cover pays a lump sum while you are alive, on diagnosis of a specified serious condition. Many clients combine the two in one policy.
Nothing. Our protection advice is free to you; we receive commission from the insurer when a policy starts, and we will always tell you what that is.
UK insurers pay the overwhelming majority of protection claims, and the main reasons for declined claims are inaccurate applications. We help you answer every question fully and honestly, which is the best protection of all.
A trust directs the payout to your chosen beneficiaries, usually faster and outside of your estate for inheritance tax. We help set this up at no extra cost.
Often, yes. Different insurers treat conditions such as diabetes, high blood pressure or a past illness very differently, and we know which are most understanding for your circumstances.
Protect what matters most
A short conversation is all it takes to see what the right cover costs. Advice is free and there is never any pressure.