Cover for when life does not go to plan.

Why use a broker for protection?

Nobody enjoys thinking about death, serious illness or being unable to work. But understanding how your mortgage, bills and family would be supported can remove a great deal of uncertainty.

We look at the financial impact, then consider your savings, existing policies, workplace benefits and budget. The aim is to cover genuine gaps without recommending more than you need.

Insurers can assess the same medical condition very differently. The same disclosure might receive standard terms from one insurer, a higher premium or exclusion from another, and a decline elsewhere. We identify providers whose underwriting is more likely to suit your health and circumstances before applying.

• We compare prices, policy definitions and underwriting across a range of insurers
• We complete the application, manage the paperwork and liaise with the insurer
• We help with the insurer’s trust forms where appropriate
• We charge no separate fee for protection advice; if a policy starts, the insurer pays us commission

You will still need to answer the health and lifestyle questions fully and accurately. We make the process easier, explain anything unclear and keep the application moving.

Putting cover in trust.

A trust is not right for every policy or every family. Where it is suitable, it can allow the proceeds to reach your chosen beneficiaries without waiting for probate and will usually keep the payout outside your estate for Inheritance Tax purposes.

We can help with the insurer’s standard trust paperwork. Trusts can have legal and tax consequences, so specialist advice may be needed for more complex circumstances.

Check your workplace benefits first.

Many employers provide death-in-service cover based on a multiple of salary, while some also offer sick pay or income protection. We include these benefits when calculating how much personal cover you need.