Badly mis-sold…

Having made arrangements via another broker (no longer trading), a lady contacted us for help.  She’d been diagnosed with cancer and approached her insurer to discuss claiming on her Income Protection. IssueOn checking, the broker had actually arranged Critical...

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Occupation mis-represented…

A gentleman who works over 6 months of the year at sea in a moderately dangerous job  approached us to arrange Income Protection. Having spoken to many insurers, we were unable to find one that would consider cover.  The job wasn’t the issue, the issue was the...

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Flawed Income Protection…

We were asked to review an Income Protection policy to identify if it represented good value.  At first glance the premium was competitive, but small print revealed claims would only be payable for up to one year.  When we explained this to the customer,...

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Critical information missing…

A gentleman contacted us having very recently arranged Life Insurance elsewhere.  He explained how he’d provided his broker with very detailed and sensitive medical information, but, when he read through his application form, there was no mention of the medical...

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Hobby mis-represented…

We were asked to arrange Income Protection for a gentleman who enjoys rock climbing, abseiling, bouldering, scrambling, mountaineering and ice climbing at an advanced level.  From an insurers perspective, these activities are unsurprisingly termed “hazardous”. Some...

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£5pm cost £595k Life Insurance

Having been notified by an insurer that a direct debit for a policy we’d arranged had been cancelled, we called the customer see if we could help. They explained another broker had recommended new policies, “superior” to the cover we had arranged around a year...

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Pricing

How much do you charge?

No fee’s or charges – ever.

How do you make your money?

Insurers pay us commission, the cost of which is included in the premiums we quote.

Does the commission you are paid increase my premiums?

It's unlikely there will be much difference between premiums we quote, versus dealing directly with an insurer or comparison website. And, as we have access to insurers not available to the public, you can be assured we will find you the right deal.

Will it be expensive to obtain the cover I need?

Like anything... it depends. Talk to us, we'll always respect your budget and priorities. For a good idea of cost click "Get a Quote". If you have a little time to chat, we'll factor in your height/weight (BMI), medical information and job to identify the best deals, tailored to you.

Can you work within a monthly budget I set?

Absolutely, just let us know what's affordable to you.

Our Process

Let's talk

Your insurance, our expertise - lets chat...

We research

Using specialist tools to seek out the best deals.

Discuss ideas

A plain English discussion about your options.

Peace of mind

Relax... with the cover you need.

Application processed

We proactively manage your application.

Application made

We do the paperwork... so you don't have to.

Let's Talk

Your insurance, our expertise - lets chat...

We research

Using specialist tools to seek out the best deals.

Discuss ideas

A plain English discussion about your options.

Application made

We do the paperwork... so you don't have to.

Application processed

We proactively manage your application.

Peace of mind

Relax... with the cover you need.

Proud to be different! We...

  • ONLY arrange policies that protect people and families.
  • Have 30+ years experience.
  • Receive lots of positive reviews and testimonials.
  • Easily compete with online and "insurer direct" prices.
  • Effectively manage claims, FREE of charge.
  • Provide a friendly, personal service - NO call centres.
  • Write Life Insurance benefits into trust, FREE of charge.
  • Are Directly Authorised by the FCA (details in footer).

Our customers views and reviews

In less than 3 minutes we can help you decide if our service is for you. 

No sales, no pressure, no nonsense.

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If you're already a customer, you know we love to chat...   

In less than 3 minutes we can help you decide if our service is for you. 

No sales, no pressure, no nonsense.

}


If you're already a customer, you know we love to chat...   

In less than 3 minutes we can help you decide if our service is for you. 

No sales, no pressure, no nonsense.

}


If you're already a customer, you know we love to chat...   

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