Partnered with FCA-Authorised Brokers - Free Expert Advice
Life insurance explained properly. No jargon. No guesswork.
We connect you with specialist FCA-authorised brokers who find the right life insurance and health cover for your situation - including medical conditions, hazardous jobs, or complex circumstances that comparison sites can't handle. Every policy placed in trust. Every quote free.
Protection that actually makes sense
We cover every type of life and health insurance available in the UK. Here's what each one does - in plain English.
Life Insurance
Cover that pays out a lump sum if you die within a set period. Protects your family, clears your mortgage, covers debts.
Level term, decreasing term, whole of life, over 50s, family income benefit
Learn moreCritical Illness Cover
A lump sum if you're diagnosed with a specified serious illness - cancer, heart attack, stroke and more. Often added to life insurance.
Standalone or combined with life insurance
Learn moreIncome Protection
Replaces up to 60-70% of your income if you can't work due to illness or injury. Pays monthly until you recover or retire.
Short-term and long-term options
Learn morePrivate Medical Insurance
Skip NHS waiting lists. Choose your consultant. Get treated in weeks, not months. Covers diagnostics, surgery, and aftercare.
Individual, family, and corporate plans
Learn moreGot a medical condition? You can probably still get cover.
Most people assume they'll be declined. Most people are wrong. We explain exactly what each insurer looks for, what affects your premium, and which insurer is best for your specific situation.
Your life insurance needs to be in a trust. Here's why.
This is the single most important thing most people don't know about life insurance. Without a trust, your payout goes into your estate. That means delays, tax, and your family waiting months for money they need now.
40% inheritance tax
Without a trust, your life insurance payout goes into your estate. If it exceeds the nil-rate band, your family could lose 40% to HMRC.
6-12 months in probate
Your family could wait months to access the payout while probate grinds through. The mortgage and bills won't wait that long.
Free to set up
Most insurers offer trusts at no cost. Our partner brokers set it up as part of the process. There is genuinely no reason not to do it.
Why a specialist broker matters
Comparison sites are fine for car insurance. Life insurance is different.
Medical conditions need human judgement
Every insurer underwrites differently. The insurer that declines you might be the wrong insurer - not the wrong person. Our partner brokers know which insurer is best for your specific condition.
Your trust gets set up properly
It takes about 2 minutes and it's free. Without it, your payout could be stuck in probate for months and hit with 40% inheritance tax. Online applications often skip this step entirely.
Income protection can't be done online properly
Deferred periods, benefit amounts, indexation, own occupation vs any occupation definitions - these choices matter enormously and need expert guidance.
The right insurer, not just the cheapest
The cheapest quote means nothing if the insurer excludes the very thing you need cover for. Our specialist brokers match your situation to the right underwriter.
Totally free, no obligation
Our partner brokers are paid commission by the insurer - the same amount whether you go through us or direct. You pay exactly the same premium either way. If they can't help, they'll tell you.
Everything explained, nothing assumed
No jargon, no rushing, no pressure. We explain what you're buying, why it matters, what the alternatives are, and what you should watch out for.
Get the right cover for your situation
Fill in your details and our specialist brokers will find the right insurer for your circumstances, explain everything in plain English, and set up your trust at no cost.
Get QuoteFree. No obligation. Takes 2 minutes.