Find an Insurance Specialist – Life and Health Insurance

Your Life Protected is a small, dedicated Insurance Brokerage, which offers advice and guidance on Life Insurance, Critical Illness Cover and Income Protection to clients with pre-existing medical conditions. We take time to understand each individuals medical situation, before assessing the market and offering advice on the best available options. And, as peoples medical situations change, we review policies to ensure customers have continuous access to the most competitive products. All our services are offered with no fees or hidden costs.

A business is its people. Take away the premises, the equipment and the website and you are left with the most important asset: its people. Business Protected is an independent brokerage helping SMEs across the UK understand and protect the risks associated with losing members of their workforce.

Business Protected specialises in individual and group risk throughout the business cycle, be it tax efficient personal protection for small businesses, key person and shareholder protection for more established firms or group schemes such as death in service and private medical insurance for those looking to provide their staff with benefits.

Business Protected has a client-centric process to ensure clients understand their risks and what they can do to mitigate them in the most relatable and jargon free way possible. Our business is your people.

The Mortgage Force Organisation takes time with you to ascertain your existing circumstances, ascertain your future preferences so that we provide advice to you to find the most suitable product for you, whether this be for a Life Assurance, or polices that include Critical Illness cover, Income Protection, Accident Sickness and Redundancy Cover to protect your Mortgage repayments, or provide simple, affordable and valued Property and/or Contents Insurance for your Home or Landlord Buy-to-Let properties.

We focus on you the Consumer, acting in your Interest, help you to avoid foreseeable harm, and help you to achieve your financial goals. We are regulated by the Financial Conduct Authority so the regulated protections that come with that apply. Our service is personal, and we want to help you to protect your future. We value your business you place with us.

Our experienced team have been providing protection advice since 2011 and have an excellent understanding of unusual underwriting requirements. Since our inception, we have arranged in excess of £4 billion of life insurance, critical illness and income protection cover for our clients.

We are advisers, not salespeople. You and your family come first and are at the heart of any advice that we provide. We like to think that we are friendly, approachable and professional! But don’t take our word for it, have a look at what our clients say about us.

SPF Private Clients – established in London in 1997 – is recognised as one of the UK’s leading financial services intermediaries. We cover all areas of mortgage advice, insurance broking and wealth and protection advice. We are a national brokerage employing over 230 people, with offices in six locations across the UK and Channel Islands. In 2022 we were acquired by Howden, the global insurance broker.

Our team of protection experts can help you understand the financial protection options available to you. From parents wishing to ensure their children are fully protected in the event of their premature death, to businesses looking to safeguard their futures by protecting key employees, we can assist. Our goal is to help you navigate through the maze of protection options and based on a thorough understanding of your circumstances and requirements, recommend a bespoke solution to protect you, your family and your business.

Our aim is to provide you with clear, transparent advice. We pride ourselves on our Excellent customer service and are rated 5 star Excellent on Trustpilot.

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.

Founded in 1998, award-winning LifeSearch specialises in providing free, independent advice on life, critical illness and income protection policies. Our 200+ advisers are trained to be experts in protection insurance, helping clients arrange cover for themselves, their families and their businesses. We help people from all walks of life, many of whom have found it difficult to arrange cover elsewhere. We provide advice over the phone so can help clients wherever they live in the UK, and make buying cover as easy as possible. As a respected source of honest, unbiased advice, LifeSearch is recommended by some of the biggest household names such as Which?, comparethemarket.com, moneysupermarket.com and Money Saving Expert.

Lightblue is a small specialist team. We focus on providing free and independent advice for the provision of an income when one is not available. This may be due to an accident or illness, or the untimely death of a partner. We help our clients navigate all the options, finding the cover that is right for them and their family at an affordable rate. Once they are happy that we have selected the best and most affordable policy to meet their needs we then help fill in an online application. Simple, and all done over the phone or via email. Longer-term our aim is to build lasting relationships - providing a professional and personal service with clear and on-going guidance. This informs our clients when making important protection decisions as their circumstance change.

From offices in Brighton and London, Drewberry provide independent, whole of market telephone-based advice on life insurance, income protection, critical illness cover, health insurance and business protection insurance to clients across the UK. Drewberry’s ethos is to educate their clients on their options so they can make a truly informed decision. Drewberry is frequently quoted in the national and trade press as experts in the protection industry and has amassed over 1,500 five-star client reviews on Reviews.co.uk.

L&C is well known for our expert mortgage advice but we also provide award winning protection advice to our customers whether they are taking a mortgage through us or not. Our protection advice is available to customers across the UK and offers a genuine whole of market service, covering Life Insurance, Critical Illness cover and Income Protection options. This allows us to help customers find the best protection solution for their needs, including those with existing health conditions or unusual occupations. Our expert advisers are available on the phone 7 days a week and until 8pm most evenings or customers can request a callback online, at a time to suit them.

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.

Towergate Health & Protection is one of the UK’s leading independent, specialist health and protection intermediaries. Our award-winning team of specialist consultants offer expert, tailored advice on a range of health, protection, and wellbeing products, both in the UK and internationally.

As industry leaders, we will provide you with impartial and innovative guidance, and work with you to help you understand and navigate the various programmes and cost options available to you.

Customer satisfaction is extremely important to us, and we constantly strive to improve our customer experience. We are proud to have been recognised by Investor in Customers who have awarded us with gold status due to our helpful, efficient, and professional customer service.

Howden Life & Health is an specialist insurance broker, providing access to a wide range of life and health insurance policies. Committed to delivering personalised and impartial advice, Howden simplifies the process of finding the right cover by comparing options across the market.

With over 170,000 clients, Howden understands that every individual has unique needs. Their team of experienced advisers is dedicated to offering tailored solutions that reflect each client’s specific circumstances, budget, and lifestyle, providing guidance every step of the way to ensure clarity and confidence in their choices.

Essential Insurance provide independent, telephone-based advice on life insurance, income protection, critical illness cover and business protection insurance to its customers. We’re one of the UK’s largest life insurance brokers offering first-class service and no obligation, no nonsense advice and policies to suit all budgets.

We search and compare policies from our specially selected panel of UK insurers, handpicked to ensure we get the right policy for our customers’ needs.

Our first-class customer service is evidenced by the consistently high customer satisfaction scores we are awarded – we’ve over 2000 reviews and a current average rating of 4.9/5 through the independent service rating and review platform, Feefo.

Pure Protect is an insurance broker specialising in life insurance, critical illness cover and income protection, as well as private medical and general insurance.

We are dedicated to creating a meaningful, long-term relationship with our clients that is based on understanding, clarity and integrity.

Our expert advisers realise that the financial side of life can be complex, which is why we work hard to get to know you and your aspirations through careful and detailed consultations. This enables us to provide quality advice services and practical pathways to help you find the right policies for your circumstances.

Pure Protect is part of the MSS Group, which specialises in surveying, risk management, auctions, estate agency and property management, in addition to financial services.

Radcliffe & Co IFA have over 60 years of history providing informed, impartial and independent advice to both individual and corporate clients focusing on providing a personal service.

We offer advice in all areas of personal and corporate protection including life insurance, critical illness and income protection. We also work with businesses to put in place employee (group) schemes or to replace work place benefits when an employee leaves their employer. We do not charge any fees for our protection advice and have access to all mainstream providers in the UK.

Our aim is to make insurance accessible to all with a client friendly approach and breaking down the barriers by using clear and easy to understand language. By giving our clients comprehensive advice, they are able to make a fully informed decision on the policies that are right for them. We can also offer further financial advice to all with our specialist areas being the Armed Forces, Aviation (pilots and aircrew) and Teachers.

One Stop Mortgage Shop was established in 1997 and is now one of Northern Ireland's leading mortgage and insurance brokers. We are part of the Sesame Mortgage Network which means that we are not tied to any single lender or insurance company and so can offer our clients a range of options to best meet their needs.

All of our offices are located in easily accessible locations, many of which are in busy shopping centres with flexible opening hours. We feel strongly that our clients should be adequately protected when buying their home. We aim to provide tailored insurance advice to all of our clients to ensure that they have the right protection to meet their developing needs.