PROTECTION
Critical Illness & Life Insurance
Financial protection for you and your family when it matters most.
Get a QuotePRIVATE CLIENTS
Protecting Your Family's Future
Life is unpredictable, but your family's financial security doesn't have to be. Our life and critical illness policies provide a tax-free lump sum if you're diagnosed with a serious illness or pass away. We search the whole of market to find the best terms, and can arrange policies with high sum assured values, trust arrangements for inheritance tax planning, and income protection to replace your earnings.
What's Included
Life Cover
Tax-free lump sum paid to your family, with level or decreasing term options available.
Critical Illness
Lump sum payment on diagnosis of specified serious illnesses including cancer and heart disease.
Income Protection
Replace your income if you're unable to work due to illness or injury.
Trust Arrangements
Policies written in trust to avoid inheritance tax and ensure fast payment to beneficiaries.
High Sum Assured
Cover for high-value requirements with specialist underwriters who understand HNW needs.
Whole of Market
We compare policies from all leading insurers to find the best cover and premiums for you.
Why Life & Critical Illness Cover Is Non-Negotiable
High Sum Assured
We arrange cover up to £10 million for life insurance and £5 million for critical illness — with access to specialist underwriters for non-standard risks and complex medical histories.
Trust Planning
We set up your policy within a trust so benefits are paid directly to beneficiaries without going through probate. This can save months of delay and significant inheritance tax.
Income Protection
If illness or injury prevents you from working, income protection replaces up to 70% of your earnings until you recover or retire — covering mortgages, school fees, and living costs.
How We Arrange Your Protection
1. Financial Review
We assess your income, liabilities, dependants, and existing cover to calculate exactly how much protection you need — not just for today, but for the years ahead.
2. Whole of Market Search
We search the entire UK market including specialist providers for high net worth individuals. For complex medical histories, we use our relationships to negotiate the best possible terms.
3. Trust & Nomination Setup
We arrange the appropriate trust structure, complete nominations, and ensure your policy documentation is stored securely — so if a claim arises, settlement is fast and tax-efficient.
Frequently Asked Questions
This depends on your circumstances — mortgage, dependants, lifestyle costs. Your broker will help you calculate the right level of cover.
Most policies cover 40+ conditions including cancer, heart attack, stroke, and multiple sclerosis. We'll explain exactly what's included.
Yes, relevant life policies and key person cover can be arranged through your business, often with tax advantages.
Speak to a private broker
Get the right cover for Critical Illness & Life Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover