Personal Protection

Life doesn't always go to plan. Our personal protection advisers build bespoke insurance packages for individuals and families -- ensuring that if the unexpected happens, you and the people who depend on you are financially secure.

Types of personal protection

There are several types of personal protection, each designed to cover a different risk. The right combination depends on your circumstances, your dependants, and what you're trying to protect.

Life Insurance

Pays a lump sum or regular income to your loved ones if you die. Options include Level Term (fixed payout), Decreasing Term (reducing payout aligned with a repayment mortgage), Whole-of-Life (guaranteed to pay out whenever you die), and Family Income Benefit (regular tax-free income).

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Critical Illness Cover

Pays a tax-free lump sum if you're diagnosed with a specified serious illness during the policy term. Conditions typically include cancer, heart attack, stroke, and 40+ others. The money is yours to use however you choose -- mortgage, treatment, lost income, or anything else.

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Income Protection

Replaces up to 60-70% of your income if you're unable to work due to illness or injury. Unlike critical illness cover, it pays a regular monthly income for as long as you're unable to work -- potentially until retirement. Payments are tax-free.

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Private Medical Insurance

Covers the cost of private medical treatment -- faster access to consultants, shorter waiting times, choice of hospital, and more comfortable facilities. Available for individuals and families, with cover ranging from basic inpatient to comprehensive outpatient and dental/optical.

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Who needs personal protection?

Parents and families -- life insurance and critical illness cover ensure your family is financially secure if the worst happens
Homeowners with a mortgage -- protection ensures the mortgage is repaid if you die or become seriously ill
Self-employed and contractors -- income protection is essential when there's no employer sick pay to fall back on
Single-income households -- if the household depends on one income, protecting that income is critical
Anyone wanting faster healthcare -- PMI provides quicker access to treatment and greater choice

Typically no fee to you

We typically receive commission from the insurance provider for arranging personal protection, meaning there is often no direct fee to you. As independent advisers, we search the whole market to find the right cover at the right price -- our recommendation is based purely on what's best for your circumstances, not what pays us the most.

Life insurance, critical illness, income protection, and PMI are all usually arranged at no cost to you
We explain how we're paid before any work begins -- complete transparency
Specialist life insurance for those declined elsewhere is also usually commission-based

Frequently asked questions

Do I really need life insurance?

If anyone depends on your income -- a partner, children, or anyone you support financially -- then life insurance is essential. It ensures they can maintain their lifestyle, pay the mortgage, and cover living costs if you're no longer there. Even if you're single, it can cover debts and funeral costs so your family isn't left with a financial burden.

What's the difference between life insurance and critical illness cover?

Life insurance pays out when you die. Critical illness cover pays a tax-free lump sum if you're diagnosed with a specified serious illness (such as cancer, heart attack, or stroke) during the policy term. They protect against different risks. Many people have both, either as separate policies or combined into one.

What is income protection and how does it differ from critical illness?

Income protection replaces a proportion of your income (up to 60-70%) if you can't work due to any illness or injury. It pays a regular monthly income until you recover or retire. Critical illness cover pays a one-off lump sum for specific diagnosed conditions. Income protection is broader in scope and pays for longer.

Is private medical insurance worth it?

PMI gives you faster access to consultants, shorter waiting times, a choice of hospital, and more comfortable facilities. Whether it's worth it depends on your circumstances -- if speed of treatment, choice, and comfort matter to you, it can be very valuable. For businesses, it can reduce absenteeism and improve staff retention.

How much does personal protection cost?

Premiums depend on your age, health, smoking status, occupation, and the type and level of cover. We typically receive commission from the insurance provider, meaning there is often no direct fee to you for arranging the cover. We'll search the whole market to find the best balance of cover and cost.

Can I get cover if I have a pre-existing medical condition?

Often, yes. As independent advisers with access to the whole market, including specialist insurers, we can often find cover for people who have been declined elsewhere. Cover may be available at standard rates, with an increased premium, or with specific exclusions -- but meaningful protection is usually possible.

Protect what matters most

Book a free consultation and we'll build a bespoke protection package tailored to your circumstances.

Book a Free Consultation

Or call us: 0115 967 0888