020 8668 6080

Protection

Protection

Life assurance can provide a lump sum or regular benefit if you die during the policy term, helping your family manage the mortgage, household bills or other financial commitments. We explain the options, costs and exclusions so you can choose cover that fits your circumstances and budget.

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a lump sum if you die during the policy term.

A family spending time together at home
Protection advice that keeps what matters most to your family secure.

With term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.

Term assurance protects your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage or ensure your family is protected from having to repay debts after the main breadwinner has passed away.

Leading UK InsurersLife and protection policies compared
Protection TrustsHelp with standard provider trust forms
Bespoke AdviceCover built around your family and home

How it works

Starting your protection journey with us

Protection advice is about understanding what would need to be paid for, and making sure the right policy is in place to do it.

  1. 01

    Needs assessment

    We look at your family, income, mortgage and any cover you already hold, to work out what would need protecting, for how much and for how long.

    A clear picture of the cover you need
  2. 02

    Research appropriate insurers

    We compare policies from leading UK protection insurers, looking at the definitions, exclusions and options that matter for you as well as the premium.

    Suitable insurers shortlisted
  3. 03

    Recommendation and application

    We explain our recommendation in plain English, including what is and is not covered, and complete the application with you.

    Recommendation explained, application submitted
  4. 04

    Underwriting and cover on risk

    We deal with the insurer's underwriters, including any medical questions or reports, until the policy is accepted and your cover starts.

    Your cover is in force
  5. 05

    Policy trust forms and review

    Where appropriate, we can help you complete standard provider trust forms for a protection policy. We're not authorised to provide tax advice; you should speak to a tax professional. We can also review your cover when your circumstances change, such as a new home, a new baby or a new job.

    Cover kept in step with your life

Ready to take the first step?

Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.

020 8668 6080

Review your life cover

If you have a mortgage, children or financial dependants, it is worth checking whether your cover still fits.

Call us on 020 8668 6080