Helping families find the protection they need by encouraging insurers and intermediaries to deliver better consumer outcomes

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Our Vision

The Protection Distributors Group (PDG) want to build trust within the insurance industry. We see a future where empathy, honesty and transparency are the core drivers to insurer and intermediary care.

Our Mission

Helping families find the protection they need by encouraging insurers and intermediaries to deliver better consumer outcomes. To find out more about the Claims Charter, Funeral Pledge and Access to insurance please see our campaigns page.

Our Members

Assured Futures Limited is a leading Life and Health Insurance intermediary, specialising in producing bespoke solutions for customers, partner companies and comparison websites. Wholly owned by the prestigious A-Plan Insurance group and with a history dating back over 50 years, Assured Futures now helps thousands of clients a year. Having launched the UK’s first full panel Medical Insurance, Income Protection and Over 50’s Life Insurance online comparison services, Assured Futures continue to excel in their specialist areas of Life Insurance, Private Medical Insurance, Income Protection, Accident Sickness and Unemployment cover. Combining great technology with a team of passionate, qualified and professional advisers, Assured Futures has an unblemished compliance record and a first class reputation amongst insurers, partners and clients alike.

Ian Sawyer has been leading Assured Futures for over 20 years and has 30 years experience dedicated to protection. A passionate advocate of Private Medical Insurance, Guaranteed Acceptance Plans, Income Protection and Unemployment Cover as well as Life Insurance.

Ian Sawyer DipPFS
PDG: Member/Website Development
Commercial Director of Assured Futures

Drewberry are a fast-growing UK financial adviser with offices in London and Brighton. They specialise in offering financial advice to both individuals and small businesses on everything from life, health and income protection insurance to pensions, investments, tax and legacy planning. Drewberry are a team of passionate individuals who through technology and fanatical service simply want to help educate the world on how to make the most of their finances and protect them accordingly along the way. Drewberry were nominated for Protection Intermediary of the Year at the Protection Review Awards in 2013, 2014 and 2015 and the Cover Excellence Awards in 2015 and 2016.

Tom Conner co-founded Drewberry and has been a director there for over 10 years. Tom is passionate about providing the highest standards of protection advice and is a serial advocate of income protection insurance.

Tom Conner BSc MPhil
Director at Drewberry

Future Proof is an award winning Independent firm which provides advice on all aspects of Life Insurance, Critical Illness and Income Protection Insurance for individuals as well as businesses. We’re committed to providing clear and expert advice as well as outstanding customer service. We specialize in helping people with chronic and acute medical conditions obtain cover and are proud of our many success stories; we have frequently helped people who have previously had an application declined. Life is uncertain and our aim is to provide people with the peace of mind and financial security in times of need.

David has worked in the financial services industry since 2000. He founded Future Proof in 2011, which has gone on to become one of the UK’s leading protection intermediaries and has been recognised with several industry awards over the last few years. Future Proof was acquired by St. James’s Place Wealth Management in November 2018 and now also provides a specialist protection advice service for St. James’s Place partners and their clients.

David Mead

Highclere Financial Services Ltd specialises in protection planning with an emphasis on critical illness insurance. Director Alan Lakey also runs the CIExpert knowledgeable which provides the industry with impartial analysis on current and historic critical illness policies. Highclere also advises on mortgages and equity release.

Alan Lakey has run Highclere Financial Services since 1991 and has accumulated 20 awards for his advice in protection, mortgages and equity release. He was formerly a council member of APFA, the advisers trade body as well as Adviser Alliance and the IFA Defence Union.

As a music fan he authored the book Growing Old Disgracefully, a biography of seminal rock band The Pretty Things, as well as a career retrospective, Idiocy in Commercial Life: Practical Ways to Navigate through Nonsense. He is also a founding director of CIExpert, the UK’s foremost critical illness comparison tool.

Alan Lakey

Alan Lakey

LifeSearch are trained to be absolute experts in protection, to always do right by our customers, and to take pride in offering the best service available in the UK. As a respected source of honest, unbiased advice, LifeSearch is recommended as an independent Adviser by the biggest household names. They choose only the best policies from the best insurers and as the UK's leading independent protection insurance Adviser, they promise you the best value and best service too.

LightBlue Online are an independent team of dedicated specialists set up in 2010 by LightBlue UK - a Finance and Wealth Management company. The team now helps over 800 clients each year meet their protection needs. We give the best possible service by taking our time to understand exactly who our clients are and what they need, whilst minimising the administration involved in finding and setting up protection policies. Our aim is to build long term relationships by providing a professional and personal service and to provide clear and on-going guidance in order that our clients are fully informed when making important protection decisions.

Mark has been providing financial advice since 1983 and has significant experience of training and management. He is therefore perfectly placed to organise the day-to-day running of LightBlue, with a belief that first-class customer service is crucial to the business’s success. Mark joined LightBlue UK in 2000 and quickly set to work implementing all of the necessary compliance systems. He was instrumental in the company’s successful transition to direct authorisation in 2005 and keeps other staff members up-to-date with regulatory changes.  Mark specialises in giving financial advice to individuals and small businesses and is skilled in simplifying complicated situations for clients and providing straightforward solutions.

LightBlue Online was set up in 2010 by LightBlue UK – a Finance and Wealth Management company – to provide free specialist help to people unsure how to go about choosing from the many Protection products available.  We take our time to understand exactly who you are and what you need, whilst minimising the administration involved in finding and setting up your protection policies, to get you protected as soon as possible.

Mark Dennison

London & Country is the UK ‘s leading fee free mortgage broker, offering a fully advised service on both mortgage and protection. We currently have around 350 advisers working from our Bath head office, Newcastle sales office, and central London office with a total of nearly 600 staff across the business. We ensure all of our clients are put in an educated position and understand their protection options, so we can live up to our aim of being always for the homeowner and provide a service which goes beyond bricks and mortar.

Lucy joined L&C in 2000 as a mortgage and protection adviser and has held a variety of roles prior to appointment as Head of Protection in 2013. She manages the strategic development of protection for L&C as well as working with the wider industry to develop products and processes that deliver better protection outcomes for customers.

Lucy Brown
Head of Protection

Roxburgh Financial Management offers individual and corporate advice across the full range of Financial Services. From General Insurance and Protection, through Mortgages, and Investment & Pensions, Roxburgh provides clear financial planning advice delivered over the phone or face to face. Established 11 years ago and now with a team of vastly experienced consultants, we have a clear mission to provide clients with the advice and products they need to protect themselves and their families. Once the foundation of financial planning is in place through suitable protection products, we then help clients to plan for a better financial future through appropriate savings, pension and investment vehicles.

After graduating with a dual honors degree in Economics and Business from Sheffield University, Damian was selected for graduate training with Friends Provident and started his Financial Services career in 1997. In 2006 Damian founded Roxburgh and continues to lead the organisation as its Managing Director. Along the way Damian helped launch Lightblue Online LLP and more recently Enduralife in to the market and continues to serve those companies as a Partner and Director respectively. Damian is a founder member of the Protection Distribution Group, whose aim is to improve the protection market for the consumer. In addition to this, Damian is a regular commentator on all matters relating to the industry and continues to ask for and drive positive change within the whole of Financial Services. Damian lives in Hampshire with his wife and two sons.

Damian O'Connor BA(Hons) DipFA
Managing Director: Roxburgh Financial Management
Partner: Lightblue Online
Director: Enduralife

Cavendish Ware is a dynamic financial planning firm based in the heart of London, which began in 2003. It advises holistically on both individual and corporate subjects including protection, investments, pensions and mortgages. Based in London it mainly looks after media related companies on the corporate side and is heavily involved in Auto Enrolment and believes in the 'natural' link to protection which that can result in. Its main protection influencer is Roy Mcloughlin. He is a regular commentator in both industry and national media as well attending think tanks and round tables. He sits on the executive of the Income Protection Task force and was integral in bringing 7 families to the market with a particular passion for the raising of adviser awareness. He is regularly approached by a variety of insurers for commentary and new product design.

Roy has been an adviser for 30 years and is active in both the individual and corporate markets. He was one of the original architects of the highly influential 7 families campaign and is co chair of the Income Protection Task Force.

Roy Mcloughlin
Associate Director

As part of Sesame Bankhall Group, one of the UK’s largest mortgage and protection distributors, Sesame can offer you a breadth of advice, support and knowledge, which we believe is unrivalled anywhere else in the market. Bringing together over 800 advisers from across the country, we specialise in mortgages, protection and general insurance. The support offered by Sesame is underpinned by our commitment to ensuring that every client receives advice and guidance that is tailored to their requirements. This means our clients can enjoy confidence and comfort in knowing that they will receive the outcome that’s right for them.

Jeff Woods is Campaigns and Proposition Director for Sesame Bankhall Group and is responsible, amongst other things for the Group Protection Proposition. Jeff has been in the industry for 30 years and has held a number of senior positions across Life Providers, Networks, Advisory Firms and corporate estate agency. Jeff's financial services background has a strong protection focus and he is passionate about trying to make a difference to the end consumer, and advisers alike, to raise the profile and need for protection. 

Jeff Woods
Campaigns and Proposition Director

Cura is a family run multi award-winning insurance brokerage, with advisers specifically trained to find insurance for people with special risks, including health conditions, high risk occupations, travel and pastimes. We offer advice on life insurance, critical illness cover and income protection, both for individuals and companies. We do not charge any fees for our services and we are able to offer advice to UK residents and many non UK residents with connections to the UK. Cura are experts at finding cover for people who have been declined insurance previously. Our approach is to treat everybody as an individual, to listen to your story with an empathetic ear, and find an insurer that is going to suit you best.

Alan Knowles joined the insurance industry as a web programmer in 2005 and progressed to being a protection insurance adviser in 2006. Shortly after he became a manager and spent 6 years managing an insurance intermediary firm. He joined the PDG in June 2018 and has been the Chair since September 2018. In 2012 Alan set up his own intermediary firm and within a year had built Cura, with his wife Kathryn. Alan is known for challenging mindsets within the industry and for pushing boundaries on what insurers define as a risk. He is interested in technology and underwriting. keenly watching to see how these develop and how a human touch can be a part of our industry. Away from work, Alan enjoys spending time with his three young sons, usually in some kind of mass wrestling match. He enjoys running, kickboxing and listening to audiobook biographies, when he gets a chance!

Alan Knowles
Managing Director

Essential Insurance is an independent broker that specialises in life insurance, income protection and critical illness cover and is dedicated to putting its customers first. Since launching in 2015, Essential Insurance has earnt a reputation for offering first-class customer service and is already one of the UK’s largest protection insurance brokers. They’ve invested heavily in their operating systems and their advisors to provide an experience that is truly appreciated by its customers – in a short period of time they’ve created a genuinely customer-centric fully advised service. Essential Insurance are committed to providing no nonsense, straightforward advice, ensuring quality of service and building long-lasting relationships with their customers. They have one of the most intensive and prolific advisor training courses and their exceptional levels of customer service is evidenced by their consistently high customer outcome satisfaction scores.

Rob White has built over 20 years experience within insurance, banking and wider financial services. With a strong belief in putting the customer first he is passionate about developing products and processes that ensure the best outcomes for customers.

Rob White
Managing Director of Essential Insurance Services

St. James’s Place is a FTSE 100 company offering face-to-face, personalised wealth management advice through their expert advisory arm. Established in 1991 they are the largest company within the sector, offering financial, investment and tax planning advice specifically designed for clients’ lifestyle goals and stage of life. Adopting a distinct and effective approach to investment management, St. James’s Place carefully hand select the best managers from the global investment market, recognising that no single investment house has a monopoly on investment expertise. This approach enables their clients to achieve the objective of generating superior investment results over the medium to long term. St. James’s Place has been awarded ‘Wealth Management Company of the Year – City of London Wealth Management Awards’ three years running as well as ‘Best Wealth Manager – Shares Awards’ in 2017 and 2018 along with a host of other awards and recognition.


Direct Life and Pension Services Ltd (DLPS) is a leading provider of Protection services in both the intermediated and direct channels. We believe that too many people in the UK lack the insurance they need to protect them from devastating life events. So our ambition is to make Protection easy to buy and easy to sell. That’s why we’ve been offering advisers our portal, comprehensive administrative and new business support since 2001 under the award winning LifeQuote brand. In the direct market we provide the digital capability to make it easy to distribute life products online, in addition to supporting outbound sales. They pioneered comparative underwriting in 2013, introducing the first “Buy Now” capability from aggregator services in 2014.