Life insurance
Pays a lump sum if you die or are diagnosed with a terminal illness, so your family can pay off debts, cover living costs and plan for the future.
Worth considering if others rely on your income, or you have a mortgage or other debts.
Personal insurance
Protection for the people who depend on you.
Protect your income, your home and your family. We help you understand your options and find cover that suits your circumstances and your budget.
Six kinds of cover, one plan that fits
Most people need a combination of these. We'll help you work out which ones matter for you, and how much cover makes sense.
Health insurance
Helps pay for private medical treatment, specialist consultations and surgery, so you can be treated sooner and with more choice.
Worth considering if you want faster access to treatment without relying on public waiting lists.
Trauma and critical illness
Pays a lump sum if you're diagnosed with a serious condition covered by your policy, such as some cancers, heart attack or stroke. You can use it however you need while you recover.
Worth considering if you'd want financial breathing room to focus on getting better.
Income and mortgage protection
Pays a monthly benefit if illness or injury stops you from working. Income protection covers up to an agreed portion of your income; mortgage protection is set to cover your mortgage or rent payments, so you can stay in your home.
Worth considering if your household depends on your pay to meet everyday costs, or you have a mortgage and limited savings to fall back on.
Total and permanent disability
Pays a lump sum if illness or injury means you're permanently unable to work again, helping to clear debts and fund future care. For some specialists and professionals, certain policies can assess a claim against your ability to work in your own occupation rather than any occupation. Whether this is available depends on the insurer, the policy definition, your occupation, the policy terms and the circumstances of the claim, so not every policy provides it.
Worth considering if you want a financial safety net if you could never return to work, or your income relies on specialist skills.
Redundancy cover
Pays a monthly benefit for a limited period, usually up to six months, if you're made involuntarily redundant. It gives you time to find your next job while keeping up with the mortgage or rent.
Worth considering if you're a full-time employee and want a buffer on top of your savings.
Why personal advice matters
Buying insurance online or through your bank means choosing on your own. With an adviser, you get someone who looks at your whole situation, compares options and explains the fine print.
Book a conversation
Choose a 30-minute time that suits you, or call or send a message. It's a chance to see whether we're the right fit for you.
Understand your situation
We talk through your goals, your budget, your existing cover and who depends on you.
Clear recommendations
You get advice in plain language, with each option and its costs clearly explained.
Put it in place and review
We help with the application and paperwork, and you can come back to review your cover as life changes.
Insurers we work with
Let's talk
Not sure what cover you need?
Book a time to talk it through with us. Bring your current policies if you have them, and we'll check whether they still fit your life.