Insurance for you and your family Return to all services
Whilst we all hope to lead a long and healthy life, it is a good idea to make sure that you and your family are protected in the event of a serious or critical illness, incapacity to work and also of course in the event of death.
Providers in the protection market are competitive and innovative with there being all sorts of different options available. Some providers offer a combined policy, including all the different protection elements you require. This can work out cheaper than separate policies. Some providers allow a second claim to be made on the same policy, for example a claim for critical illness and death. For regular keep fit enthusiasts, one provider offers a reduced price gym membership and a lower insurance premium if you use it regularly. There are lots of options!
Working out the right option for you is our job. To do this entails a good understanding of your needs and the protection market. This is where we can help. We offer a full advice service and will take the time to fully understand your circumstance and protection requirements. Following the completion of a medical questionnaire we will provide you with a range of underwritten quotes, so you know the actual premium you would have to pay.
It is worth bearing in mind that whilst comparison websites can be useful, unless you complete a full quote journey with the insurer you will not know for certain the actual premium payable. If you have a medical condition that rates you (i.e. the insurer requires a higher premium because they consider you to be a higher risk) you could find yourself repeatedly running quotes. Our services remove this hassle and can save you a lot of time, as well as provide you with a full advice service.
In terms of how we are paid, we do not charge our customers a fee for using our protection advice service. This is because we receive a commission payment from the protection provider.