Build A Protection Plan Around The Life You've Built
Personal protection can help safeguard your family, income and financial commitments when life doesn't go according to plan.
Start AI Consultation Protect More Than Just Your Mortgage
Your financial life is connected, so your protection strategy should consider the people, income and commitments that matter most.
Family
Help provide financial support for the people who depend on you.
Income
Consider how your household finances could be affected if illness or injury prevented you from working.
Lifestyle
Help protect the lifestyle your income currently supports.
Future Plans
Build protection around your longer-term financial goals and responsibilities.
Three Core Ways To Protect What Matters
Explore the main types of personal protection and understand what each can be designed to do.
Life Insurance
Provides a financial payment to beneficiaries if you die during the policy term, subject to the policy terms and conditions.
Critical Illness Cover
Can provide a lump sum if you are diagnosed with a qualifying critical illness covered by the policy.
Income Protection
Can provide an income if illness or injury prevents you from working, subject to policy terms.
Your Protection Needs Can Change With You
Your financial life is connected, so your protection strategy should consider the people, income and commitments that matter most.
Starting Out
Protect your income and early financial commitments as you begin your career.
Buying A Home
Consider protection alongside your mortgage and household costs.
Starting A Family
Think about the financial impact of supporting children and dependents.
Growing Career
Review protection as your income and lifestyle develop.
Self-Employed
Consider how being self-employed could shape the protection you need.
Building Wealth
Review protection as assets, responsibilities and plans evolve.
Follow A Standard Employment Path Protection For People Who Don't
Contractors and self-employed professionals can have different income structures and protection considerations.
IR35 & Structure
Match your protection to your specific contracting setup and coverage gaps.
Day-Rate Protection
Look for cover that suits how you work, and check how a policy treats periods between contracts.
Self-Employed Cover
Consider how your income and household would be affected if illness or injury stopped you from working.
Relevant Life Plans
Life insurance paid for by your limited company, which can be tax-efficient, subject to HMRC rules.
Know What Your Policy Is Designed To Do
Understanding your policy can help you make more informed protection decisions.
Age
Age can be one factor considered when calculating premiums.
Health
Your health and medical history may be considered during underwriting.
Lifestyle
Lifestyle factors can influence underwriting and available cover.
Occupation
Your occupation can affect the assessment of certain types of protection.
Cover Level
The amount and type of cover you choose can affect the cost.
Policy Term
The length of the policy can influence the premium and available options.
How It Works
Simple Advice. Complete Protection.
Our advisers guide you through every step to ensure you receive suitable cover.
Free Consultation
A no-obligation call with your dedicated specialist adviser to understand your situation and goals.
Understand Your Needs
We take the time to evaluate your unique lifestyle, long-term goals, and budget.
Compare Options
We compare suitable options from the insurers we work with and explain the differences.
Choose Your Cover
Select the exact policy level you feel confident with, guided by clear advice.
You're Protected
Once you're happy, we help you put your cover in place, and we're here if your needs change.
WHY CLIENTS TRUST US
Protection Designed Around Your Lifestyle
Helping individuals, families and businesses protect what matters most.
Financial Security
Safeguard your hard-earned assets against unexpected life events.
Family Protection
Help your loved ones cope financially if the worst happens.
Income Replacement
Keep money coming in if illness or injury prevents you from working.
Property Security
Shield your home and personal valuables from unexpected damage or loss.
Business Continuity
Protect your company's revenue, key employees, and future operations.
Peace Of Mind
Your adviser can help you understand your options at every step.
Clear Advice
We explain what each policy covers, and what it doesn't, before you decide.
Regular Reviews
Your needs change over time, so it's worth reviewing your cover after big life events.
Make Your Protection Application Easier To Navigate
Having the right information available can help your advisor and insurer assess your application efficiently.
Identification
Valid identification such as passport or driving licence and personal contact details.
Income Information
Details about your employment and salary, such as payslips and your P60, or self-employed accounts and SA302s.
Medical Information
Relevant health history, GP surgery contact, and existing prescription details.
Financial Commitments
Details of mortgages, loans, hire purchases and other significant household expenses.
Existing Cover
Information about current workplace benefits, death-in-service and other insurance policies.
Occupation Details
Information about your specific job role, working arrangements and hazardous duties if applicable.
Not Sure Which Mortgage Is Right For You?
Our AI mortgage assistant analyses your situation and matches you with the right product and lender — before you speak to an adviser.
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Talk to our Mortgage Experts
Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
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Common Questions
What is life insurance?
Life insurance provides a financial payment to your chosen beneficiaries if you die during the policy term, subject to the terms and conditions of the policy.
How does life insurance work?
You choose a level of cover and a term, pay regular premiums, and if a valid claim is made during that term, a payment can be made to your beneficiaries.
What is critical illness cover?
Critical illness cover can pay a lump sum if you're diagnosed with a qualifying critical illness that's covered by your policy.
What is income protection?
Income protection can provide a regular income if you're unable to work due to illness or injury, subject to the terms of your policy.