Life Cover01
Life Insurance
A lump sum to your family if the worst happens — clearing the mortgage and protecting their future.
Protection & Insurance
Protect what matters most.
The right cover gives your family financial stability when life takes an unexpected turn. We’ll match you to a policy that actually fits — and explain every word of it.
30 min
Featured Review
Your Family Protection Review
A no-cost, no-obligation review of every policy you already hold — employer benefits, existing cover, savings buffer — against what your household actually needs. The outcome is a clear, written recommendation. Often we find clients are over-paying for the wrong cover, or missing the one policy that would matter most.
- Step 1 — Map your household budget, debts and dependents.
- Step 2 — Audit existing cover and employer benefits.
- Step 3 — Quote the whole UK protection market.
- Step 4 — A written recommendation in plain English.
Cover types
Six core policies. One trusted advisor.
Every product explained in plain English — what it does, who it’s for, and how to know if it’s right for you.
Life Cover
Critical Illness02
Critical Illness Cover
A tax-free lump sum if you’re diagnosed with a serious illness — cancer, heart attack, stroke and more.
Income Protection03
Income Protection
A monthly income if illness or injury stops you working — for as long as you need it, up to retirement.
Accident & Sickness04
Accident, Sickness & Unemployment
Short-term cover that bridges the gap when life suddenly changes — redundancy, accident or short-term illness.
Home Insurance05
Buildings & Contents
The cover your lender requires — and the contents protection that protects everything inside.
Business Protection06
Business & Director Cover
Relevant Life, Key Person and Shareholder Protection — tax-efficient cover for limited company directors.
How we advise
Six principles. No exceptions.
01
Whole-of-market
We compare every major UK insurer — never tied to a single provider or panel.
02
Independent advice
Recommendations based on your needs and budget, not commission structures.
03
Plain English
No jargon, no scare tactics. You’ll understand what you’re buying and why.
04
Reviewed regularly
Life changes — new children, new home, new job. We review your cover so it keeps pace.
05
Claims support
If you ever need to claim, Marc is your first call — not a 0800 number.
06
Written in trust
Where appropriate, we set policies up in trust so payouts go directly to your family, free of inheritance tax.
FAQ
The questions we hear most.
Can’t see your question? Marc will reply personally — no call centres, no chatbots.
Do I really need protection if I’m young and healthy?+
Cover is cheapest when you’re young and healthy — and a mortgage is a long commitment. Locking in low premiums now protects you against future health changes that could make cover unaffordable later.
Isn’t my employer’s death-in-service enough?+
Death-in-service typically pays 2–4 times salary and only while you’re employed there. It usually doesn’t cover critical illness or long-term income loss, and disappears the day you change jobs. It’s a useful starting point, not a complete plan.
Should I buy protection from my mortgage lender?+
Lenders only offer their own policies. A broker compares the whole market — often finding better cover at a lower premium, with stronger definitions and more inclusive terms.
What happens if my health has changed since taking out cover?+
Existing policies are usually unaffected — once you’re accepted, your premium and terms are fixed. That’s why locking cover in early matters.
Are payouts taxed?+
Life and critical illness lump sums are tax-free. Income protection payments are also tax-free if you pay the premiums personally. Company-paid policies have different tax treatment, which Marc will explain.
Can I cancel if my circumstances change?+
Yes — protection policies have no minimum term. You can cancel or amend cover at any time, though it’s usually better to review and adjust rather than cancel outright.
Next step
Protect what matters most.
Independent protection advice tailored to your family and budget.