Family Protection Insurance

A good question to ask yourself if you are thinking about buying life insurance is… does it cover me for a catastrophe that I cannot afford to fund from my own resources?

If you can comfortably fund the event from your own resources, or the event is not a catastrophe, then you probably don’t need it. Depending on your specific situation, we will work with you to identify any genuine need you may have for family protection insurance.

If we identify a need then we’ll work out how big it is, and help you put insurance in place to cover the risk as specifically as possible. We’ll recommend the lowest cost provider that offers a suitable product and help you through the process to completion.

We use specialist sourcing software to help you find the best deal from all the major UK providers of Life Insurance and related products. We do not charge you a fee for our advice.

Depending on your situation, you have four main options to protect yourself, your partner and your dependents.

Term Assurance

Provides a lump sum on death within your chosen term. Can be used to provide a lump sum legacy for your partner and dependents or to pay off a mortgage debt.

Family Income Benefit

Will pay an income to your partner or dependents if you die within your chosen term. If you are a single mum you could use this to provide an income for your children until they are 18 for example.

Critical Illness Insurance

Will provide you with a lump sum for your chosen term if you get seriously ill. You could use this cover to pay for the costs associated with modifying your home for disabled use for example.

Permanent Health Insurance

If you get seriously ill and are unable to do your job, then this cover will pay you an income for as long as you are unable to work, until you die, or until you reach normal retirement age. The cover is permanent in the sense that it may pay out on more than one event during your chosen term.

What others say about us

Mr Robinson is a well-mannered young man. His Knowledge and explanations of various insurance policies have always been clear and concise.

Davigdor Lodge Rest Home

I would advise any friends or family who need financial help to get in touch with you. Thanks for all your help.

Greg Hamon

I found Tina most helpful and very efficient. You’re lucky to have her!

Mrs S J Wheeler

I find the ladies on the phone extremely helpful. They should be congratulated on their level of service.

Lindsay Williams

We have found the service and the reassurance very satisfactory.

Toulson Jones Jewellers

I appreciate that Stuart didn’t try to sell me half a dozen other products. He came in, gave us a better price for our Health insurance and left. Such efficiency is important when you’re busy

Liquid Publications

Teresa Hastings deserves a special mention for her help, diligence and patience!

Mr B, Tunbridge Wells

Tina rang back when she said she would – very unusual these days – I get sick of chasing people.

I was impressed with Mr Swain’s knowledge and really felt he was working hard to get us the right deal.

I appreciate not having to do a lot of checking myself and for the whole process not to take too much of my time – Brief and business like

I thought Colin was excellent. He didn’t give me the hard sell. He was very good and gave me exactly what I wanted. Was a pleasure to do business with him.

Thank you for your focus and attention

Service excellent as usual

Amazing service – very nice man

Representative always courteous and no hard sell

Both Stuart and Tina have provided us with an excellent service

Thank your excellent team for all their good work in looking after our account

UK C.A.R.E.S

Thank you! – You are always business-like, to the point, friendly and timely

Domicile Design

Stuart always delivers the information and prices to us in an informal but professional manner, we cannot fault him in any way

Westgate Motors

Wonderful – a pleasure to deal with

K.Street

We have always found your service to be very efficient, offering the best plans for our business, with staff who are polite and easy to communicate with.

W J Arment & Son Ltd

We are very happy with the service provided

Mr & Mrs Jones

Extremely courteous and helpful. Has made the whole process very easy for myself and colleagues to comply with our obligations.

Mr Stringer of C H Goddard