Life Insurance
Protect the people you love with the right life cover at the right price, arranged by a whole of market adviser.
Life insurance is one of the most important things you’ll ever arrange and one of the easiest to get wrong if you buy it off the shelf. As a whole of market adviser with over 20 years of experience, I help families across Essex and the UK put the right level of cover in place, with the right provider, for the right price.
Life Cover That Actually Fits Your Life
Mortgage, children, partner, business — the reasons to have life insurance are personal. I take the time to understand your circumstances and recommend the type and amount of cover that genuinely protects the people and commitments that matter to you. Because I’m not tied to any one insurer, I compare the whole market to make sure you get value as well as peace of mind.
What to Expect
- Free initial chat to work out what you actually need to protect
- Clear explanation of level term, decreasing term, and whole of life options
- Whole of market comparison across a wide panel of major UK insurers
- Advice on writing your policy in trust to speed up payouts and reduce tax
- Support with medical underwriting if you have health conditions
- Honest recommendations that balance cover, cost, and quality
- Full paperwork and application management through to policy in force
FAQs
How much life insurance do I actually need?
A common starting point is enough to clear the mortgage, cover dependants, and replace a few years of income. I’ll work through your mortgage, debts, children, and lifestyle to land on a figure that genuinely protects your family.
What's the difference between level and decreasing term?
Decreasing term is designed to match a repayment mortgage, so the cover reduces in line with the debt. Level term keeps the same payout throughout the policy, which is usually better for family protection or interest only mortgages.
Do I need a medical exam to get life insurance?
Most policies are accepted on the basis of a detailed health questionnaire, without a medical. If the insurer wants more information, they’ll usually ask your GP directly. I’ll guide you through exactly what to disclose.
Should I write my life insurance in trust?
In almost all cases, yes. Writing your policy in trust means the payout goes directly to your chosen beneficiaries, avoids delays from probate, and usually keeps the money outside your estate for inheritance tax. I arrange this at no extra cost.
Can I get life insurance if I have a pre-existing condition?
Often yes. Insurers take different views on health conditions, and a decline from one doesn’t mean a decline from all. I know which providers are more sympathetic to which conditions, so your application goes to the right place.