Independent insurance experts.
We help clients protect their families and businesses from accidents, illnesses and death. Safeguard your loved ones against unforeseen circumstances.
Build a safety net for your financial future.
While 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’ll help you identify your needs and priorities, plan the right mix of cover, and scour the market for the most suitable providers.
Insurance is often overlooked because people assume it won’t happen to them.
The TRUTH about insurance
Protect the plan. Protect the people.
Insure what would break you; absorb what wouldn't+
Insurance isn't built for minor inconveniences. It is for the events that would force a family to sell the home or start over. Absorb small costs from savings, and pass life-altering risks to an insurer.
Premiums of the many pay for disasters of the few+
Insurance is a shared pool. Many pay a small, known cost so the few who suffer a large loss are made whole. You don't buy it expecting to claim. You buy it because you couldn't afford to be one of the few.
Most people insure the car, not the person+
The house, the car, even the watch are insured without a second thought. Your ability to earn, the asset that pays for all of them, is often left with no cover at all. Most people are over-insured on the cheap risks and naked on the expensive ones.
Insurance buys time and options+
Wealth held in property or a business isn't always cash when you need it. Income protection and critical illness cover pay out while you're alive, so a family can focus on recovery, not on selling assets at the wrong time.
You are more likely to be ill than to die young+
Most people buy life insurance first because it is easy to grasp. During your working years, a long illness or injury is the likelier threat to your income. Plan for both.
Work backwards from the shortfall+
Don't pick a round number. Add up debts, living costs, childcare and how many years support is needed, then deduct what your assets and other income would cover.
Check what you already own before buying more+
Death-in-service, group sick pay and older policies may already cover part of the need. Check their limits, and what happens if you change jobs, so you only pay to fill real gaps.
Cash buys time while a claim is paid+
An emergency fund isn't an alternative to insurance, it's the bridge. It covers the agreed waiting period before a policy pays, and the costs no policy covers.
Do not take your insurability for granted+
You pay for insurance with money, but you buy it with your health. A change in health can make cover dearer, restricted or unavailable, so arrange it while your options are open.
A policy is only as solid as the honesty on the application+
Leaving out health or lifestyle details to lower a premium gives an insurer grounds to refuse a claim later. Careful, complete answers, and knowing what the policy covers, are what make it pay.
Make sure the money reaches the right hands+
A payout alone doesn't appoint guardians or avoid delays. Policies written in trust, alongside up-to-date wills and powers of attorney, help the money reach the right people quickly and, where possible, outside your estate.
A policy set years ago was for a life you no longer live+
A bigger mortgage, a new child, a pay rise or a new business changes your risk. So does growing wealth, which can mean you need less cover. Review it whenever life moves.
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 tailored to your individual needs.
Income protection.
Life cover and mortgage protection.
Critical illness cover.
Private medical insurance.
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.
Shareholder protection.
Key person cover.
Business loan protection.
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, you could end up paying over the odds, or with cover that’s unsuitable for you.
As part of our insurance review service, we can assess whether you’re paying too much for your existing plans and check the small but important details of your existing cover.
Ask us to review your cover
What clients ask us first.
Something not covered here? Ask Warren Robins or Tony Hammond, our insurance specialists. We will reply within one working day.
How much life cover do I need?+
Enough to clear your debts and replace the income your family would lose, for as long as they would need it. We work it out from your plan, not a multiple of salary.
My employer pays sick pay. Do I still need income protection?+
Employer sick pay often stops after a few months. Income protection can pay until you return to work or retire, so we check what your employer covers and fill the gap.
Should my policies be written in trust?+
Usually, yes. A trust can get the money to your family faster, outside probate, and keep it out of your estate for inheritance tax.
Will a health condition stop me getting cover?+
Not necessarily. Insurers treat conditions very differently, so we approach the ones most likely to offer fair terms. Full disclosure on the application matters.
Do I need cover through my business too?+
If you own or co-own a company, often yes. Shareholder protection and key person cover keep the business running and put control where you want it.
Should I cancel my old policies?+
Not before new cover is in place. Older policies can carry better terms than you would get today, so we review them before recommending any change.
Is your cover still
the right fit?
We’ll review every policy you hold, tell you honestly where the gaps are, and whether you’re paying too much.