Personal Protection
Protect what matters most.
Find a list of the different types of personal protection available to financially protect you and your loved ones in the event of illness, injury or death.
Life Insurance
The best way to make sure that your family is covered!
One of the most cost-effective and efficient ways to ensure that your family and their financial future is covered.
Pays out a Tax-Free cash lump sum or income to your family
Can provide cover during retirement or for shorter terms
Allows you to tailor the cover to suit your families needs
96.9% of claims paid to 53,105 individuals & families in 2022
Critical Illness Cover
Provides vital cover and financial security for your family if you are diagnosed with a critical illness.
Pays out a Tax-Free cash sum to your family
Can offer an extremely comprehensive level of cover
Provides cover against all major and a variety of other conditions
63.8% of claims were for cancer in 2022
Whole of Life
A Tax-efficient and cost-effective means of providing cover for IHT planning and Legacy planning
The latest Whole of Life policies can be some of the most cost-effective ways to invest money for your children’s future.
Guaranteed payout on death
Pays out a Tax-Free lump sum to your family
Extremely efficient savings vehicle
35% of the UK population had a life insurance policy in 2023
Income Protection
An extremely important type of cover for anyone that earns an income.
One of the most undervalued types of personal protection available and one of the most important! Provides vital financial relief if you are unable to work due to illness or injury.
Can cover up to 70% of your pre-Tax income
Can be taken out on a short term or long term basis
Helps to pay mortgage payments, outgoings and medical expenses
Policies sold in 2023 increased by 16%
Price Promise.
As an award-winning specialist Insurance Broker for those with medical conditions, high-risk occupations or participating in extreme sports we will never be beaten on price.
Existing Medical Conditions.
Pre-existing conditions - Speak to the experts
We aim to offer life insurance and travel insurance to cover you and your family regardless of your circumstances and medical history. We help hundreds of people and families every month to obtain cover who may otherwise have struggled or even been declined.
What if I have been declined in the past?
If you have a pre-existing medical condition or are classed as non-standard risk by insurers then it is important to speak to a specialist. Our team of experts deal with non-standard risks daily and are far better equipped to help those individuals that need our services.
How does having a pre-existing condition affect life insurance?
There is a range of factors that need to be considered when looking at life insurance for non-standard risks, such as: age, severity, diagnosis, treatment/medication, complications etc. This determines which provider we would approach for your cover and only an expert has the level of knowledge required to make that decision effectively.