Protection

The plan that runs in the background.

Protection isn't the headline product, but it's the one that quietly carries your family through illness, redundancy, or worse. We make sure the cover actually pays when it needs to.

01795 435094
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Our Protection Services

Expert Guidance for Every Situation

Choose the area you'd like to explore. Every recommendation starts with a no-obligation conversation.

Life Insurance

Term, whole-of-life and decreasing cover — sized to what your family would actually need.

  • Term, whole-of-life and decreasing cover comparison
  • Joint life vs separate lives modelling
  • Trust arrangement at no additional cost
  • Indexation and guaranteed insurability options
Explore life insurance

Critical Illness Cover

Pay attention to the definitions, not just the price.

  • Definition-level comparison across insurers
  • Child cover and partial payment structures
  • Combined or separate life-and-CI structures
  • Reviewable vs guaranteed premium analysis
Explore critical illness cover

Income Protection

A monthly payment to cover a portion of your lost salary when you can't work — for as long as you can't.

  • Own-occupation vs any-occupation cover comparison
  • Deferred period structured around your sick pay
  • Whole-of-career vs short-term policy choice
  • Premium guarantees and indexation
Explore income protection

Family Income Benefit

A tax-free monthly income for your family if the worst happens.

  • Term aligned to the youngest child's independence
  • Increasing benefit option to protect against inflation
  • Trust arrangement and beneficiary structure
Explore family income benefit

Mortgage Protection

Clear the mortgage if the worst happens, so your family keeps the home.

  • Decreasing term aligned to your mortgage balance
  • Joint or single-life structure
  • Combined with critical illness where it fits
Explore mortgage protection

Private Medical Insurance

Faster diagnosis and treatment, with the control you actually want.

  • Individual, couple and family policies
  • Underwriting type comparison (moratorium vs full medical)
  • Excess and outpatient limit structure
  • Hospital list and consultant-of-choice options
Explore private medical insurance

Private Medical Insurance is a referral service.

Trusts are not regulated by the Financial Conduct Authority.

How We Work

A simple, transparent process

1

Initial Consultation

We discuss your goals, circumstances and budget in a no-obligation meeting.

2

Market Search

We search across our panel of lenders and providers to find what genuinely fits your circumstances.

3

Clear Recommendation

We present options with full cost breakdowns and a written recommendation.

4

End-to-End Support

We handle paperwork and liaise with lenders, insurers and providers until completion.

Ready to talk protection?

No-obligation consultation with an FCA-regulated adviser.

Book a Consultation 01795 435094

Local protection advice

FCA-regulated protection advisers near you

Life insurance, critical illness and income protection — researched across a panel of providers by an adviser in your area.