1. Assesment

We aim to understand the situation, needs and requirements of the clients to find them the best insurance policy within their budget.

  • Age and Gender
  • Health & Lifestyle
  • Medical History
  • Family & Dependents
  • Budget

2. Quotation

We help you find the most appropriate cover for your own circumstances from a wide range of competing insurance policies.

  • Liverpool Victoria
  • Aviva, AIG
  • Friendslife
  • MetLife
  • Zurich, Old Mutual


We help arrange & place the cover with the chosen insurer and provide technical advice that are useful if you need to make a claim.

  • Terms & Conditions
  • Benefits
  • Exclusions
  • Costs
  • Claims

4. Policy Cover

Our job continues even after your policy is in place. We provide assistance with compliance, and help you when submitting claims and receiving benefits.

  • Keep you up to date
  • Liaise with insurer
  • Negotiate premiums
  • Advice Risks
  • Others


Pays out a lump sum or a regular income if you die during the term of the plan.

Pays out a lump sum on the diagnosis of certain debilitating illnesses.

Pays out if you were sick or accidentally injured and unable to work.

Accident & Hospital

Pays out in the event of short term and long term sickness & injury to cover your lost earnings.

Mortgage Cover

Pays out to cover the cost of your mortgage payments if you become unwell .

Whole Life Cover

Pays out guaranteed lump sum to your loved ones when you die.

Personal Sickpay

Pays out a monthly tax-free benefit in the event of short term and long term sickness and injury.

Family Income Cover

Pays out a regular tax-free income until the end of the policy term.

We work within the strict guidelines of FCA to ensure that the products we recommend are truly appropriate for your needs and personal circumstances.
Our advisers are fully-trained to assess you and your family’s circumstances and guarantee that the level of protection they recommend truly meet your needs.