Insurance Advice for You, Your Family and Your Business

  • INSURANCE PROTECTION

    For Health, Wealth and Income
  • 1
Life Cover
Critical Illness Cover
Income Protection
Locum Cover
Accident Cover

Choose Flexible Insurance Plans + Protect Your Future

We help clients in sourcing and comparing a broad range of personal and commercial insurances, obtaining the most suitable quotes to meet requirements. Whether you currently have policies that need review or are looking start new cover, we have the experience and insurance industry relationships to guarantee the best possible terms at highly competitive prices.

Many customers now choose to source insurance through comparison sites. Whilst we wouldn’t disclaim this process, it’s well worth noting reasons why this may not be the best approach. Firstly, comparison sites make money via commission and so don't necessarily offer the best deals. Secondly, you receive no practical advice in the purchase process.

  • Are you planning to start or expand your family?
  • Have you recently changed jobs or become self-employed?
  • Do you think your premiums are too high?
  • Are you planning for your retirement?

Reviewing your insurance needs offers both savings and peace of mind. Contact us today for a NO OBLIGATION insurance consultation.

0345 3503655

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Life Cover

Types of Life Cover

  • Term Assurance: You are insured for the period of the term, generally, 10, 15, 20 or 30 years
  • Whole-of-Life Policies: An ongoing policy that pays out on death and also uses part of the premium as an investment.

Both policy types provide protection for settling debts such as a mortgage, and provide money for the family following the death of the policy holder.

Need Help?

When it comes to choosing the right life insurance cover every individual or family is different. We help clients find a term-based or whole-of-life policy that meets their needs.

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life cover for the family

Critical Illness Cover

Choosing the Right Cover

Critical illness cover can be added as part of life insurance or as a standalone policy and provides protection against the financial impact of critical illness on you and your family. We source policies that provide the best level of cover for the cost and include payment of a cash lump sum on diagnosis, cover for the whole family, and guaranteed premiums.

Need Help?

We'll discuss your needs and help find a policy that works for you and your family.

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Income Protection

Types of Income Protection

  • Long-term: Pays out until a fixed age, death or your return to work.
  • Short-term: Has a fixed maximum payout period of between one and five years.
  • Accident, sickness and unemployment (ASU) cover: In principal ASU policies cover unemployment, are generally cheaper than long and short term IP, but are not fully underwritten at the outset.

Need Help?

Find out how much should you expect to pay for income protection.

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Locum Cover

What Cover is Available?

Locum Insurance provides cover to reimburse costs should a Locum be required due to the unexpected absence of regular staff. We offer 'unbiased market comparison' for locum insurance and can offer discounts or 'special offers' we negotiate with insurance providers. Our policies typically include multiple deferred periods and cover the costs of employing a Locum due to sickness, accidents or events such as Jury service.

Need Help?

We are able to compare all locum plans on the market without 'bias'

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Accident Cover

Accident Cover Vs Life Insurance

While life insurance will provide for your family on your death or when facing a critical illness, accident cover provides financial help if you suffer a serious accident or injury. Typical cover would include lump sum payouts if you are:

  • Unable to work as a result of injuries sustained
  • Hospitalised as a result of an accident
  • Permanently disabled as a result of an accident

Need Help?

Self-employed? Choose Accident Cover and protect your income.

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