Protection

We provide clear, personalised protection advice to help you safeguard what matters most. From choosing the right life cover to securing critical illness and income protection, our experts simplify every step — ensuring you and your family have complete peace of mind for the future.

Protect what matters most with the right insurance cover

We work with leading insurers to provide a full range of protection products tailored to your needs. Whether it’s life insurance, critical illness cover, or income protection, we’ll help you choose the right level of protection for you and your family.

Traditional Life Insurance

Traditional life insurance provides a simple, reliable way to protect your family’s financial future. It pays out a lump sum to your chosen beneficiaries if you pass away, helping cover essential costs such as mortgage payments, household expenses, funeral costs, or outstanding debts — giving your loved ones stability during an emotionally difficult time.

Our team works closely with a panel of trusted providers to help you find the right level of cover for your needs. Whether you require level term insurance, decreasing term cover, or something more tailored, we’ll guide you through your options clearly and confidently. With expert advice at every stage, you can secure the peace of mind that comes from knowing your family will be financially protected, whatever the future holds.

Income Protection Insurance

Your income is the foundation of your financial stability — and losing it due to illness or injury can have a significant impact on your life. Income Protection Insurance provides a vital safety net by paying a regular income if you’re unable to work, helping you stay on top of essential expenses such as mortgage payments, bills, and day-to-day living costs.

Our team works with a wide range of trusted providers to help you find the right level of cover for your needs and budget. Whether you’re looking for short-term support or long-term protection that lasts until retirement age, we’ll guide you through your options with clarity and confidence. With the right policy in place, you can safeguard your income and secure financial peace of mind — no matter what life brings.

Critical Illness Cover

A serious illness can turn life upside down — both emotionally and financially. Critical Illness Cover provides a tax-free lump sum if you’re diagnosed with a specified serious condition such as cancer, heart attack, or stroke. This payment can ease financial pressure by helping with medical costs, mortgage payments, household bills, or any lifestyle adjustments you may need while you focus on your recovery.

Choosing the right level of protection is important, and we’re here to guide you through every step. Working with a wide panel of trusted insurers, we’ll help you compare policies, understand what’s covered, and select the option that best supports your needs and budget. With the right cover in place, you and your family can feel confident knowing you’re financially protected during life’s most challenging moments.

Over 50s Life Insurance

As we get older, planning ahead becomes even more important — and Over 50s Life Insurance offers a simple way to give your loved ones financial support when it’s needed most. These policies provide a guaranteed payout on death, helping cover funeral costs, outstanding debts, or leaving a meaningful gift for family. With no medical checks required, it’s an accessible choice for those with existing health conditions.

Our team works with a wide range of insurers to help you find a policy that fits your needs and budget. With guaranteed acceptance, fixed premiums, and clear guidance throughout, we make it easy to secure the peace of mind that comes from knowing your family will have support in the future.

Whole of Life Insurance

Whole of Life Insurance provides lifelong protection, offering a guaranteed payout whenever you pass away. It’s an ideal option if you want to leave a lasting financial legacy, cover long-term commitments, or ensure your family has support no matter when the time comes. Unlike term insurance, this cover never expires as long as premiums are maintained.

We work with a panel of trusted insurers to help you find a whole-of-life policy that matches your needs, budget, and long-term goals. With clear guidance and flexible options, we’ll help you secure the right level of protection — giving you and your loved ones peace of mind that lasts a lifetime.

Building & Contents Insurance

Protecting your home and everything inside it is an important part of keeping your financial future secure. Building and Contents Insurance provides cover for both the structure of your property and your personal belongings, offering protection against risks such as fire, theft, accidental damage, and other unexpected events. Choosing a combined policy can often be more cost-effective while giving you comprehensive, all-round cover.

Our team works with a range of trusted insurers to help you find a policy that fits your needs and budget. We compare competitive quotes, explain your options clearly, and ensure you have the right level of protection for your home and valuables. With the right cover in place, you can feel confident knowing you’re prepared for whatever comes your way.

4 Simple Steps For Achieving Peace of Mind

Assess Your Needs

Start by scheduling a consultation with us. We’ll take time to understand your financial situation, goals, and any existing protection you already have. Together, we’ll identify the level of cover needed to protect your loved ones — considering factors like funeral costs, outstanding debts, education expenses, and ongoing living costs.

Explore Your Options

We’ll review your health, finances, and long-term plans to help determine the right type and amount of cover. Whether it’s income replacement, mortgage protection, or family support, we’ll guide you through the available options so you can make an informed decision with confidence.

Complete Your Application

One of our advisors will help you complete your application accurately and efficiently. We’ll make sure all personal and medical details are presented clearly, ensuring your policy is valid and provides the protection your family needs.

Approval & Coverage

We compare policies across multiple providers to find the one that best fits your circumstances. Once your application is approved, you’ll receive a welcome pack outlining your cover and next steps. Your insurer will also contact you to provide full details of your policy and premiums.

FAQs - Insurance

What types of protection insurance should I consider?

Common types of protection include life insurance, critical illness cover, income protection, and over 50s life insurance. Each offers a different type of financial support — from replacing lost income to covering serious illnesses or providing for loved ones after you pass away. The right mix depends on your needs, responsibilities, and long-term plans.

How much does protection insurance cost?

Costs vary depending on the type of cover, how much protection you need, your age, health, and lifestyle. Income protection and critical illness cover typically cost more for those with existing health conditions or higher risk factors. Premiums rise with age and the level of cover you choose.

What factors should I consider when choosing protection insurance?

Think about your health, lifestyle, financial commitments, and how much financial support your family would need if you could no longer work or passed away. It’s also important to check policy exclusions, benefit limits, and how each type of cover fits into your wider financial plan.

How do I prepare for a consultation about protection insurance?

Have information ready about your health, lifestyle, finances, and any existing policies. Be prepared to talk about your mortgage, dependents, monthly expenses, and what you’re looking to protect — whether it’s your income, your home, or your family’s future.

What questions should I ask during my protection insurance consultation?

Ask about the types of cover available, what each policy includes, how claims work, and any exclusions or conditions. It’s also helpful to ask whether you can adjust your cover in the future if your circumstances change.

How can I determine the right level of coverage?

Consider your financial responsibilities — such as debts, living expenses, childcare, or mortgage payments — and how much support your family would need if something unexpected happened. An advisor can help you calculate a realistic level of cover based on your personal situation.

Are there additional costs or fees with protection insurance?

Most policies are straightforward, but you may come across optional add-ons (riders), amendment fees, or administrative charges. It’s important to understand all costs upfront before committing to a policy.

What should I do if I need to make a claim?

Contact your insurer as soon as possible. They’ll explain the process and what documents you’ll need. Providing accurate details and supporting evidence will help ensure your claim is processed smoothly and without delays.