Protection Solutions
Every policy we recommend is selected from the whole of market, tailored to your health, budget, and circumstances - and explained in plain English.
Protecting the people
who depend on you
Life assurance pays a tax-free lump sum to your loved ones if you die within the policy term. It is the foundation of any protection plan - and with whole-of-market access, we ensure you get the right level of cover at the right price, fully underwritten and placed correctly from the outset.
- Level term — fixed payout throughout the policy term
- Decreasing term — mirrors a repayment mortgage balance
- Whole-of-life — guaranteed payout whenever you die, commonly used for IHT planning
- Joint or single life options reviewed against your circumstances
- Written in trust to keep the payout outside of your estate
A lump sum when
you need it most
Critical illness cover pays a tax-free lump sum if you are diagnosed with a specified serious illness - such as cancer, heart attack, or stroke. It gives you financial breathing room to focus entirely on your recovery, rather than your mortgage or bills. Cover definitions vary significantly between insurers, which is why independent advice matters.
- Covers a wide range of conditions including cancer, heart attack and stroke
- Can be combined with life assurance on a single or dual basis
- Children's critical illness benefit often included
- We compare policy definitions — not just premiums — across the whole market
- Standalone or add-on to existing life cover
Your income protected
for as long as you need
Income protection pays a monthly tax-free income if you are unable to work due to illness or injury. Unlike critical illness cover, it is not limited to specific conditions - if you cannot do your job, it pays out. It is one of the most underused but most valuable protection products available, particularly for the self-employed.
- Pays a monthly benefit — typically up to 70% of pre-disability income
- Covers any illness or injury preventing you from working
- Deferred periods from day one to 52 weeks — aligned to your sick pay
- Short-term or long-term benefit payment periods
- Own occupation definition is the most comprehensive — we always seek this
Faster access to
world-class treatment
Private medical insurance (PMI) gives you access to private hospital treatment, specialist consultations, and diagnostics without the NHS waiting times. With NHS waiting lists at record levels, PMI is increasingly considered essential rather than a luxury - for individuals, families, and company directors alike.
- In-patient, day-patient and out-patient treatment options
- Choice of hospital and specialist at the time you need it
- Mental health cover and therapist access increasingly included
- Individual, family, and group/company schemes available
- Annual market review to ensure your policy remains competitive
Tax-efficient life cover
for directors
Relevant life insurance is a highly tax-efficient way for business owners and directors to arrange individual death-in-service benefits through their company. Premiums are paid by the business and treated as an allowable business expense - making it significantly cheaper than a personally funded policy for the same level of cover.
- Premiums are a corporation tax-deductible business expense
- Benefit paid to family via a discretionary trust — outside the director's estate
- No benefit-in-kind charge to the employee
- Suitable for directors, LLP members, and high earners
- Can include critical illness benefit on some policies
Protecting your business
against the loss of key talent
Key person insurance protects a business against the financial impact of losing an employee who is critical to its success - whether through death or serious illness. The policy pays directly to the company, providing funds to cover lost revenue, recruitment costs, and operational disruption while the business recovers.
- Policy owned and paid for by the business
- Proceeds paid directly to the company — not to the individual
- Can cover death only, or include critical illness
- Sum assured typically based on a multiple of salary or profit contribution
- Can be structured as a business expense depending on purpose
Keeping control of
your business
If a business owner or partner dies, their shares or partnership interest typically passes to their estate - which can mean an unwanted third party acquiring a stake in your business. Shareholder protection ensures surviving owners have the funds to purchase that interest quickly and at a fair value, preserving business continuity and control.
- Funds surviving shareholders to buy out the deceased's share
- Backed by a cross-option agreement drafted with a solicitor
- Prevents shares falling into the hands of unknown parties
- Applicable to limited companies, LLPs and partnerships
- Regular reviews to keep sum assured aligned to business valuation