Cover that quietly holds the plan together.

Your income pays for almost everything, yet it is the thing most households leave unprotected.

Income protection pays a regular, tax-free benefit if you cannot work because of illness or injury, usually until you recover, retire, or the policy ends. You choose a deferred period before payments start, which helps balance cover against cost.

How a claim is assessed depends on the definition you choose, such as your own occupation. Cover is subject to underwriting and the policy terms, and exclusions can apply.

If the worst happened, life insurance gives the people who depend on you room to cope.

We help you choose between level term cover, which stays the same, and decreasing term, which is often used alongside a repayment mortgage. Family income benefit can pay a regular amount instead of a lump sum, which some households find easier to plan around.

Writing a policy in trust can help the money reach the right people quickly and sit outside your estate for inheritance tax. We can explain how that works.

Over-50s plans offer a straightforward, fixed cash sum for later life, with acceptance that does not usually require medical questions.

Premiums are typically fixed and cover is guaranteed once the plan starts, which many people use to help with a funeral or leave a modest gift. There is usually a short initial period before the full sum is payable.

These plans are not a savings or investment product. Depending how long you live, you could pay in more than the plan pays out, so we will check it is the right fit before recommending one.

Critical illness cover pays a tax-free lump sum if you are diagnosed with one of the specific conditions the policy lists.

People use it to clear a mortgage, adapt a home, or simply take the pressure off while they recover. It is often arranged alongside life cover so both are in place together.

Not every condition is covered, and definitions differ between insurers, which is exactly where advice earns its place. We compare the wording, not just the price.

Your mortgage lender will require buildings insurance, and contents cover protects what is inside.

Buildings cover is based on the cost to rebuild your home, which is not the same as its market value, and getting that figure right matters. Contents cover should reflect what it would cost to replace your belongings, with the right limits for higher-value items.

We can help you set sensible sums insured so you are neither under-insured nor paying for cover you do not need.

Unlike term cover, a whole-of-life policy is designed to pay out whenever you die, provided premiums are maintained.

It is often used for estate planning, for example to help meet an expected inheritance tax bill, and can be written in trust so the money is available quickly. Premiums may be guaranteed or reviewable, and the difference matters over the long run.

Because cover is lifelong, it usually costs more than term insurance, so we make sure it is the right tool for the job before recommending it.