From life insurance and critical illness cover to income protection and business protection, we help you prepare for the financial impact of life’s unexpected events.
Whether you’re protecting your family, your income or your business, we’ll help you understand the options available and put appropriate cover in place with confidence.
Directly authorised & independent
Access to a wide range of leading insurers
Personal and business protection solutions
Advice based on your circumstances
Appointments in person or remotely to suit you
Supporting clients nationwide
We provide independent protection advice across the market, without being restricted to a panel of insurers.
As directly authorised advisers, we assess the market and recommend cover based on your income, financial commitments and responsibilities, whether personal or business-related.
The focus is simple: recommend what you need and avoid what you don’t.
As with all insurance policies, terms, conditions and exclusions will apply.
Many people rely on their income to meet ongoing financial commitments such as mortgage payments, household bills and family living costs.
Protection policies are designed to provide financial support if illness, injury or death prevents you from maintaining that income. The appropriate level of cover will depend on your circumstances, responsibilities and existing financial safety net.
Statutory Sick Pay provides a limited level of income for a fixed period and is often significantly lower than most people’s regular earnings.
For many households, SSP alone may not be sufficient to meet mortgage payments and other essential commitments.
Income protection policies are designed to provide a higher proportion of your income for a longer period, subject to the terms of the policy, helping to maintain financial stability if you are unable to work.
Income protection is typically most relevant if you rely on employed or self-employed income to meet your financial commitments.
If your income were to stop due to illness or injury, it could affect your ability to maintain mortgage payments and other essential expenses.
Arranging cover while you are healthy and actively working generally provides access to wider options and more competitive terms.
Mortgage protection insurance is designed to help cover your mortgage payments if you are unable to work due to illness or injury.
Depending on the policy, some plans may also include unemployment cover, although this is subject to specific terms and conditions.
The level of cover, waiting period and benefit duration will vary, so it’s important to ensure the policy aligns with your income and commitments.
In many cases, yes.
Insurers typically charge higher premiums for applicants who are classed as smokers, as smoking is associated with increased health risks.
Each insurer defines “smoker” differently, and premiums are also influenced by factors such as age, medical history, BMI and lifestyle.
Businesses often rely heavily on key individuals. If a director, shareholder or key employee were unable to work or were to pass away, the financial impact could be significant.
Business protection can provide access to funds to:
Cover loss of profit
Support ongoing salary commitments
Recruit or replace key staff
Facilitate share purchase arrangements between shareholders
The objective is to protect the continuity, stability and ownership structure of the business.
Updates, guidance and commentary across mortgages, protection and commercial lending.
