We all insure our cars, mobile phones and our pets, yet many of us neglect the one thing that makes everything possible – you.

We can advise you on all types of personal insurance products that protect your income, family, property, and lifestyle. Having fully identified your requirements during a no obligation initial meeting, we will review any existing arrangements you have in place and assess the market to provide the most appropriate solutions that match your current circumstances, whilst taking into account your future aspirations and your budget.

Our aim is to provide you with the peace of mind that your overall financial situation and that of your family are protected against the worst that life can throw at you. In fact we have a moral duty to make you aware that life can throw curve balls, but there are ways to make sure you and your family don’t suffer unnecessarily more than you have to.

As no one can predict the future, it’s important to know what options are available to ensure that you are always prepared.

How would your partner and family be able to survive should you die or be diagnosed with a terminal illness? Would they be able to keep the repayments on the mortgage and other everyday commitments without you and your income?

Life insurance would provide your beneficiaries with a lump sum to help them meet these commitments during what will already be a very stressful time for them. Other than being there for them throughout their lives, it’s the next best gift you could give them.

How would you maintain your mortgage repayments and other regular monthly commitments if you or your partner suffer from an accident or long-term illness?

How long would your employers really pay you for?  We always ask our clients to check how long they will get paid by their employers if they couldn’t work due to sickness or an accident. They often come back disappointed and surprised by the reply they receive and the lack of arrangements they actually have. The alternative is to rely on State benefits, but would they really allow you to maintain your lifestyle? The answer is probably no.

Income protection insurance will insure a percentage of your income for a term that is decided depending on your circumstances. It will give you peace of mind at a time that is likely to be stressful enough without the added burden of money worries.

Many more people now survive major illnesses due to advances in medical treatment but are often unable to return to their former employment, or perhaps don’t wish to.

With someone having a heart attack in the UK every seven minutes and thankfully 7/10 surviving, it has never been more important to look at this cover.

(sources: British Heart Foundation & Heart UK)

These videos really highlight the importance of having relevant cover in place. One is from one of our very own clients, who is thankfully still with us today and doing very well. The other is an independent video but says much more than we could ever say in words.

Are you protected for the consequences of loss or damage to your property or your belongings? Have you fully assessed the level of cover needed to replace all those everyday items, many of which we perhaps take for granted, but when lost would be expensive to replace?

1 in 5 homeowners in the UK are at risk of underinsurance, meaning the cost of repairs to their Home is not fully covered if the worst should happen.

(Source: Association of British Insurers)

Other Services

  • Retirement Planning
  • Estate Planning
  • Long Term Care
  • Investments
  • Wills
  • Funeral Plans

If your requirements fall outside our area of expertise we will be happy to introduce you to the appropriate professional to ensure you get the very best advice from a specialist in that field.

Looking for something else?


As you know a mortgage is likely to be the single largest commitment you are every likely to make.Whether you are a first time buyer, looking to move, re-mortgaging your current property or want to become an investor in the Buy to let market, we can guide you accordingly.

Equity Release

Equity release is a “Tax Free” way of “unlocking” or “releasing” capital tied up in the property you own and live in, these funds can be used as you wish. Learn more about what Equity Release is and why you may need it.

Retirement Planning

Many retirees are finding themselves unable to maintain the lifestyle they wish to as they simply don’t have the funds to do so. Equity Release may be an option to help provide and income for the over 55’s.

Call us today to discuss your needs or send us your enquiry

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