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Protect your income, your family and your home
Cover matched to your real budget, not the largest policy we can sell. We explain your options in plain English and help you protect what matters most.
Income protection
If illness or injury stopped you working, income protection pays you a regular income to help cover your bills. We help you choose the right level of cover, waiting period and term for your household.
- Cover a portion of your income if you cannot work
- Choose the waiting period that suits your savings
- Advice on employer sick pay and state support
Life insurance
Life insurance pays a lump sum or income to your family if you die during the policy term, helping them clear the mortgage and keep their standard of living. We match the cover to your mortgage and your family's needs.
- Cover to clear the mortgage and protect your family
- Level, decreasing or family income options
- Written in trust where appropriate
Over-50s life cover
Over-50s life cover offers guaranteed acceptance for UK residents in a set age range, paying a fixed sum to help with funeral costs or a small legacy. We explain clearly what it does and does not do.
- Guaranteed acceptance within the eligible age range
- A fixed cash sum for your family
- No medical questions to answer
Critical illness cover
Critical illness cover pays a tax-free lump sum if you are diagnosed with one of the serious conditions listed in the policy, giving you room to focus on recovery rather than money worries.
- A lump sum on diagnosis of a covered condition
- Can be combined with life cover
- Advice on which conditions are covered
Buildings & contents
Your home is likely your largest asset. Buildings and contents insurance protects the structure and your belongings against events such as fire, flood and theft. We help you avoid being under-insured.
- Cover for the structure and your possessions
- Guidance on rebuild cost and sums insured
- Optional accidental damage and away-from-home cover
Whole-of-life cover
Whole-of-life cover lasts for your lifetime rather than a fixed term, paying out whenever you die. It is often used for estate planning and to help meet a future inheritance tax bill.
- Cover that lasts your whole life
- Useful for estate and inheritance tax planning
- Written in trust to sit outside your estate
Advice built on trust
One qualified adviser, whole-of-market choice, and steady guidance from first call to completion.
- Whole-of-market mortgage advice, not tied to any single lender
- One adviser who stays with you from first call to completion
- Protection matched to your budget, explained in plain English
- Evening and weekend appointments around your working week
Let us find the right deal for you
Book a free, no-obligation consultation. We will talk through your options and there is never any pressure to proceed.