Our value
Protecting what matters most to you
Our Protection Services
A lump sum paid to your loved ones if you die during the policy term — the simplest, most affordable way to protect your family's future.
A tax-free lump sum if you're diagnosed with a specified serious illness, giving you breathing space to focus on recovery, not finances.
A regular income if you're unable to work due to accident or illness, so your bills keep getting paid even when your pay cheque doesn't.
Covers your mortgage repayments for a set period if you're unable to work, so you won't fall behind and risk losing your home.
Cover that lasts your entire life rather than a fixed term, often used for inheritance tax planning or funeral costs.
No two families are the same. We build a policy around your circumstances, not a generic package.
We compare providers across the market and recommend what’s right for you, not what pays us the most.
We’re here to help if you ever need to make a claim, not just when you take out the policy.
Frequently Asked Questions
It depends on your income, debts (like your mortgage), dependants, and existing savings. We'll work through your circumstances with you to find a figure that makes sense.
It's often more affordable than people expect — premiums depend on your age, health and the level of cover. We'll help you find a policy that fits your budget.
Life assurance pays out on death. Critical illness cover pays out while you're alive, if you're diagnosed with a specified serious illness. Many people choose to combine both.
Sometimes — it depends on your age, the level of cover, and your health history. Many applications only need a health questionnaire.
Often yes, though your options and premium may be affected. As a whole-of-market broker, we know which providers are more accommodating for specific conditions.
Contact us and we'll guide you through the claims process with your insurer, helping make a difficult time as straightforward as possible.
Yes — protection cover is about preparing for the unexpected, not about your current ability to work. You keep it in place for peace of mind, whether or not you ever need to claim.
Critical illness policies list specific covered conditions — they don't cover every possible illness. We'll make sure you understand exactly what's included before you take out a policy.
Yes, most policies can be adjusted or cancelled, though cancelling and starting a new policy later could mean higher premiums or new exclusions. We can talk through the impact before you decide.
It's still worth considering — income protection or critical illness cover can protect you if you're unable to work, regardless of whether you have dependants.
Yes, many providers offer combined policies, such as life assurance with critical illness cover, which can work out more cost-effective than separate policies.
Insurers look at your age, health, occupation, lifestyle (such as smoking), and the level and type of cover you choose. We'll help you find competitive terms across the market.
Need more help?
Buying, remortgaging or moving home? Speak to a whole-of-market mortgage adviser.
Want to protect your family, home or income? We'll help you find the right cover.
Not sure where to start? Get in touch and we'll point you in the right direction.