None of us like to think about worst-case scenarios. But what would happen to your family if you couldn't work – or worse? The right protection gives you peace of mind that they'll be looked after, whatever life throws at you.
Difficult questions, but important ones. We help you find the right answers.
Could your family afford the mortgage, bills, and everyday costs without your income?
Critical illness affects 1 in 2 people. Would you cope financially with a cancer diagnosis?
Statutory sick pay is just £109/week. How long could you survive on that?
If you or your business partner died, could the business survive? Could you buy out their share?
Too little leaves your family struggling. Too much wastes money. We'll help you get it right.
We search the whole market to find you the best cover at the most competitive price.
When people think of life insurance, they think about dying. But actually, the bigger risk for most of us is being unable to work due to illness or injury.
Every year, thousands of families face financial hardship not because someone died, but because someone got sick and couldn't earn. Cancer, heart attacks, strokes, mental health issues – they don't just happen to other people.
The good news? With the right protection in place, you can ensure your family stays financially secure no matter what happens. And contrary to popular belief, it doesn't have to cost a fortune.
Life insurance for a healthy 30-year-old non-smoker costs around £10-15/month for £200,000 of cover. That's less than a couple of takeaway coffees a week to give your family complete financial security.
A lump sum paid to your family if you die during the policy term. Essential for anyone with dependents, a mortgage, or debts.
Best for: Paying off the mortgage, replacing lost income, covering funeral costs
A tax-free lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. Pays out while you're still alive.
Best for: Covering treatment costs, adapting your home, replacing income during recovery
Regular monthly income if you can't work due to illness or injury. Pays out until you return to work, retire, or the policy ends.
Best for: Self-employed, anyone without sick pay, sole breadwinners
Specialist cover for business owners, partners, and key employees to protect your company.
Best for: Business owners, partners, companies with key staff
Tax-efficient death-in-service benefit for company directors and employees, paid for by the business.
Best for: Company directors, small business employees, high earners
Guaranteed acceptance life insurance for ages 50-85, designed to cover funeral costs.
Best for: Covering funeral expenses, leaving a small legacy, those with health issues
Use this simple calculator to get a rough idea of how much life insurance you might need:
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This is a rough estimate. Book a free consultation for a detailed protection review.
At minimum, cover your mortgage so your family can stay in their home
10x your annual salary is a common rule of thumb for replacing income
Don't forget education costs, weddings, or other major future expenses
We search 100+ insurers to find you the best cover at the most competitive price. Comparison sites only show a fraction of what's available.
Got a medical condition? We know which insurers are most likely to accept you and can present your case in the best light to get you covered.
If the worst happens, we'll help your family navigate the claims process and make sure they get the payout they're entitled to.
Find out how much cover you need and how much it'll cost. We'll search the whole market to find you the best deal – and there's no obligation to buy.
Most quotes provided within 24 hours. No medical required for most applicants.
