If you have people who rely on you financially, a mortgage, rent, or regular bills — protection insurance is one of the most important things you can put in place. It ensures you and your family are financially secure if life takes an unexpected turn.

Not at all. Many people are surprised at how affordable life insurance can be. The cost depends on your age, health, and the level of cover you choose, but we always work to find protection that fits your budget.

• Life insurance pays out if you pass away.

• Critical illness cover pays out if you are diagnosed with a serious illness such as cancer, heart attack, or stroke.

Many people choose to have both for complete protection.

Most policies can be arranged within a few days, depending on whether medical information is required. We handle the process and keep it simple for you.

In most cases, my advice costs you nothing. I’m paid by the insurer once your policy is in place, and the premium is usually the same whether you go direct or use an adviser — so you get personal, ongoing support at no extra cost.

Because protection isn’t just about the cheapest quote — it’s about getting the right cover for your life. I take the time to understand your situation, compare policies properly, explain everything in plain English, and stay with you for reviews and claims support.

And the best bit? It doesn’t cost you any extra. In most cases, you pay the same as going direct — but with personal, ongoing advice included.

It depends on your income, mortgage, family and lifestyle. There isn’t a one-size-fits-all answer — that’s exactly what I’ll work out personally with you, so you have the right level of protection for your situation.

And the best bit? It doesn’t cost you any extra. In most cases, you pay the same as going direct — but with personal, ongoing advice included.