Independent
insurance experts.
We help clients protect their families and businesses from accidents, illnesses and death. Secure your financial wellbeing and ensure you and your loved ones are safeguarded against unforeseen circumstances.

Build a safety net for your financial future.
Whilst nobody can predict the future, insurance is often the easiest and most cost-effective way to prepare for it. It should be the foundation of any financial plan. We will help you identify your needs and priorities, plan the right mix of cover and then scour the market for the most suitable providers.
We all want to look after our loved ones, but making sure that they can cope if we fall ill or die is something that can easily be put to one side. Insurance is often overlooked because people assume that it won’t happen to them and often don’t want to contemplate death and ill health. Ironically, once complete, you can largely set aside this aspect of your financial plan, returning to it only when your circumstances change.
Protecting your family.
One of the cornerstones of financial planning is protecting your family and dependents in the event of serious illness, injury or untimely death. We can work with you to establish a family protection plan that is tailored to your individual needs and requirements.
Income Protection
Your potential future earnings are likely to be one of your family’s most valuable assets. Income protection can provide you with replacement income should you become incapacitated or ill and thus unable to continue work.
Life Cover and Mortgage Protection
Life cover and mortgage protection can provide a lump sum on death within an agreed term. They are an efficient and cost-effective way of protecting the financial security of your family
Critical Illness Cover
Critical illness policies pay a lump in the event of you being diagnosed with one of a number of specified illnesses. If you want the peace of mind of paying off your major debts or just an emergency fund if you suffer a serious illness, this type of cover should be considered.
Protect Families (Relevant Life Plans)
Relevant life insurance allows you to take out life cover via your limited company. The premiums are paid by your company, making it more tax efficient and cost effective.
Protecting your business.
Smaller businesses are particularly vulnerable to the death or illness of key staff members and shareholders. Insurance can provide business owners with peace of mind. Different types of policy can help in different ways.
Protect Ownership (Shareholder Protection)
Without protection, the surviving owners could lose control of the business to the affected individual’s family, which is usually an undesirable outcome for both parties.
Protect Profit (Key person Cover)
If a business loses an individual that plays a key role in generating profit, then certain insurance plans can give a company a cash injection - offering stability whilst a replacement is found.
Protect Loans (Business Loan Protection)
Certain plans can be used to insure loans or other debt against the loss of a key person. Without this cash injection, investors and creditors may lose confidence and call in debts prematurely.

Review your existing cover.
In recent years, premium rates have been reducing, largely due to fierce competition between product providers. If you buy cover directly from an insurance company, then you could end up paying over the odds for the protection you need. You might also end up with cover that is unsuitable for you.
As part of our wider financial review service, we can assess whether you are paying too much for your existing plans. We can also check the small but important details of your existing cover.
If you are unsure of the cover you need, then call us for more help and guidance.
See how we can help you live your best life.
Take our free financial health check or book a free initial meeting to see how we can help you get the most out of life.
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