Insurance

Life Insurance

Protect Your Family's Financial Future

Life insurance pays out a lump sum if you pass away during the policy term. It provides reassurance that your family can:

• Pay off the mortgage
• Cover essential living costs
• Maintain financial stability at a difficult time

We help you choose between level term, decreasing term and family-income benefit, and ensure your cover is set up tax-efficiently where appropriate.

Critical Illness Cover

Financial Support During Serious Illness

Critical illness cover pays out a lump sum if you're diagnosed with a serious medical condition such as cancer, heart attack or stroke. Your payout can be used to:

• Reduce or clear your mortgage
• Replace lost income
• Pay for medical treatment
• Support family expenses

We help you compare insurer definitions so you choose cover that offers strong, reliable protection.

Income Protection Insurance

A Safety Net for Your Monthly Income

Income protection replaces part of your salary if illness or injury stops you working. It can support:

• Mortgage payments
• Household bills
• Everyday living expenses

We help set up a plan that complements any employer sick pay and ensures long-term financial resilience.

Self-Employed Income Protection

Specialist Cover for Business Owners and Freelancers

Self-employed income protection is designed for individuals without access to employer sick pay.

It provides a monthly income if you're unable to work due to illness or injury. It is ideal for:

• Sole traders
• Freelancers
• Limited company directors

We compare policies that allow flexible benefit levels, shorter waiting periods and long-term payout options, ensuring your income is protected even when your business can't operate.

Relevant Life Insurance

Tax-Efficient Cover for Directors and Employees

Relevant life cover allows a business to pay for an employee's or director's life insurance in a tax-efficient way. It's ideal for:

• Limited company directors
• High-earning employees
• Business owners wanting cost-effective protection

We ensure the policy is structured correctly so you benefit fully from potential tax advantages.

Home Insurance

Protect Your Home and Belongings

Home insurance protects your property and possessions against a wide range of risks such as fire, theft, flood, accidental damage and more. There are two main types:

• Buildings insurance – Covers the structure of your home and is usually a mortgage requirement
• Contents insurance – Protects your personal belongings inside the home

We help you find comprehensive, competitively priced cover and advise on optional extras such as accidental damage or home emergency protection.

Private Medical Insurance (PMI)

Fast Access to Private Healthcare

Private medical insurance covers the cost of private healthcare, allowing you to skip NHS waiting lists and access consultations, tests and treatment quickly. It offers benefits such as:

• Faster diagnosis and treatment
• Choice of hospitals and specialists
• Access to therapies and mental-health services
• Private hospital rooms

We compare insurers and help you select a plan that suits your budget, lifestyle and health requirements.