Insurance is about protecting yourself, your family and your assets including your business.

It's thinking about what you have, and whether it is protected.

For example- you have a mortgage of £145,000 that has 27 years left until it is paid off.

If you were to die, how would your surviving spouse pay that liability.

The main points to consider are:

- If you were to die what liabilities would be left and who would have to pay for that.

- If you were to get injured or seriously ill and you couldn't work/earn money, how would that shortfall be covered?

- If you weren't around how would your business survive?

If you aren't sure if you have the right protection in place, please do get in touch, we will have a chat with you about your lifestyle, look at your current plans, and provide a report as to what the ideal cover would be.

The cost of the above is nothing, we work on a free initial advice basis.

Comparison sites are quick, easy and convenient so a lot of people obtain insurance this way.

They can be a cheap option.

However, consider this:

When you go on to a comparison site, how many questions are you asked? 10 -15 maybe.

How can that automated system really understand you and your needs?

Insurance isn't one size fits all, and often that is what you get through comparison sites.

Through experience and a proven process, we can provide quotes on cover that meets your specific need.

Like comparison sites, you don't pay us anything to discuss your needs and to obtain a recommendation.

The only charge is your policies premiums, which will include the commision we receive directly from the recommended insurer.

If you'd prefer a tailor made solution, get in touch, we'd happily look at your needs and provide you with what we feel is the right cover for you, your family and your business.

In short- Yes.

A lot of employers provide Group Life and Group Critical Illness for their employees.

Group Life cover plays a role in attracting and retaining staff, as it clearly demonstrates a business's commitment and care to employees.

Generally premiums are affordable and are paid for by the business and therefore attract tax benefits.

If this is a benefit you are thinking of providing for your valued employees then get in touch and  we can explain how to put this place.

To review your protection with us there is no cost.

We will look at your current cover, and your personal circumstances, then present you with our recommendation.

The only cost to you is the premiums that you pay on any cover that you want to go ahead with.

We get paid directly from the insurance provider.

If you don't want to go ahead with our recommendation then there is no charge.

All you have got to lose is a bit of your time!  

Most people obtain things like life insurance to financially assist their surviving family if they were to die

We often speak to single clients who are of the opinion that they don't need insurance, because if they were to die then their liabilities would die with them.

We generally advise single clients to consider cover such as Income Protection.

How it works is this:

You have a mortgage and bills, and you can meet those expenses whilst you are working. If you were to become ill and unable to work, then how would you continue to pay those bills?

With income protection, you pay a premium each month. If you get ill or injured and you can't work, then you can claim on your Income Protection policy.

After a short period of time, this policy will pay you an income for the period of time that you need it.

If you think that you may need Income Protection, give us a call and we will happily discuss this with you.

You may have applied for insurance online and been declined because of health issues that you have.

We have access to insurance providers that will accept applications from clients with ongoing health issues.

We know which providers to approach and how your health condition may effect your monthly premiums.

It is worth a chat with us, the insurance market can be complicated and using our expertise can save you time searching for the right provider, let us do the leg work for you.

Even better, there is no cost to you for our initial research or the application.

We get paid directly from the insurance provider, so you can explore your insurance options without worrying about incurring a large charge!