Whole of market
Quoting across the UK's best insurers.
A small selection of the 23 providers we compare for every protection case, including the specialists who'll quote when others have declined.
A mortgage without protection is an unfinished arrangement. We quote across 23 insurers, including the specialists who'll cover health conditions others won't. No upselling, no scare tactics. Real advice, sensibly priced.
Protection isn't one product. It's a stack designed around your life. Here's how we typically build one.
Pays out a lump sum or income to your family if you die during the policy term. Decreasing or level cover available.
Get a quoteTax-free lump sum on diagnosis of a covered serious illness. Over 100 conditions on the best policies.
Get a quoteReplaces a portion of your income if you can't work due to illness or injury, until you recover or retire.
Get a quoteMonthly tax-free payments to your family if you die during the term. Practical, often cheaper than lump-sum life.
Get a quoteProtection for your home and possessions, including high-net-worth and non-standard construction.
Get a quoteRelevant Life, Key Person, and Shareholder Protection cover for limited companies and partnerships.
Get a quoteSome insurers exclude on a hint of difficulty. Others have whole specialist underwriting teams that look at the medical detail and price accordingly. We know which is which.
A small selection of the 23 providers we compare for every protection case, including the specialists who'll quote when others have declined.
If you have dependants (a partner who'd struggle without your income, children, or a mortgage) yes. Cover is cheapest when you're young and healthy; locking it in now means it's there when life gets more complicated. If you don't have dependants and your estate would cover any debts, you may not need it. We'll tell you straight.
For most people: income protection is the priority, critical illness is the bonus. Income protection covers a far broader range of situations (back pain, mental health, cancer, accidents) and pays out for years. Critical illness pays out a lump sum on diagnosis of specific listed conditions. Some clients take both. Some can only afford one. We'll model the trade-off.
Probably yes. Different insurers underwrite the same condition very differently. What's a "decline" at one insurer can be a "standard rate" at another. We have direct underwriting relationships with specialist insurers (e.g. The Exeter, AIG, Vitality) for health conditions including diabetes, mental health, cancer in remission, HIV and heart conditions.
Relevant Life is life cover paid for by your company, on your behalf, in a tax-efficient way. The premium is usually deductible as a business expense, the payout is tax-free to your family, and it's not a P11D benefit-in-kind. For limited-company directors, it's almost always cheaper than personal life cover. We'll quote both for comparison.
Most cover we recommend is "guaranteed premium": the premium you start on is the premium you pay until the policy ends, regardless of changes to your health, age or circumstances. Some products are "reviewable" (cheaper at outset, but premium can rise on review). We'll always make this trade-off explicit, in writing.
Insurers pay us a commission on each policy we arrange, typically a percentage of the first 24 months of premiums. The amount varies by insurer and product, and we'll always disclose the exact figure to you in writing before you proceed. We have no incentive to recommend one insurer over another beyond what's right for you.
No medical interviews, no scary brochures. Just a calm conversation about what's actually at risk in your life, and what to do about it.