A client review will sit here: a few lines on how clearly things were explained and how they felt afterwards.
Client name · Life insurance
Life · Illness · Income · Business protection
Protection foryour future,delivered personally.
At Elsby Life Solutions, we simplify the world of protection so you can focus on what matters most. Clear advice from a small, dedicated team. No jargon, no call centres.
One adviser, start to finish Plain English, always Part of The Openwork Partnership
Your future, secured with clarity and care
Welcome to Elsby Life Solutions: a small, dedicated team of industry experts with decades of experience. We’re here to help you secure your future with clear, straightforward advice that avoids confusing jargon and impersonal call centres.
Whether you need personal cover or protection for your business, we’re on hand to listen and help you make informed decisions.
Services at a glance
Cover for everyday life, and the business you’ve built.
We offer advice on a range of protection solutions. Pick a card to see what it does, who it’s for and the options we’ll talk through.
01
Life
Critical illness
Income
Mortgage
Life
insurance
Support for your loved ones if the unexpected happens.
Find out more 02Critical illness
cover
Financial help when life takes an unforeseen turn.
Find out more 03Income
protection
Keeping your finances steady if you’re unable to work due to illness or injury.
Find out more 04Mortgage
protection
Securing your home when life gets tough.
Find out more01
Key person
Relevant life
Shareholder
Business loan
Key person
cover
Protecting the business from the loss of the person it can’t do without.
Find out more 02Relevant life
cover
Death-in-service style life cover for directors and employees, paid by the business.
Find out more 03Shareholder
protection
Keeping control of the business with the people who built it.
Find out more 04Business loan
protection
Clearing business debts and personal guarantees if the worst happens.
Find out moreWhat happens if…
The questions nobody likes asking. We’ll help you answer them.
Pick a situation to see what changes without cover, and what the right protection would do instead.
If you died tomorrow, what would change at home?
Without cover
- The mortgage would still need paying
- Your income stops, but the bills and childcare don’t
- Your family may wait months for your estate to be sorted
With the right cover
- A lump sum could clear the mortgage
- A monthly income could replace your salary until the children are grown
- In trust, the money can reach your family quickly
Cover that helps here:
If you were diagnosed with a serious illness, how would you cope?
Without cover
- Time off for treatment can mean months without full pay
- Partners often take time off too
- Savings can go quickly on everyday costs and adaptations
With the right cover
- A tax-free lump sum on diagnosis of a covered condition
- Space to focus on recovery, not money
- Could clear or reduce the mortgage
Cover that helps here:
If illness or injury stopped you working, how long would the money last?
Without cover
- Statutory Sick Pay is a little over £100 a week
- Self-employed? There’s no sick pay at all
- Mortgage, rent and bills keep going out
With the right cover
- A monthly income, usually 50–70% of your earnings
- Starts after a waiting period matched to your sick pay
- Pays until you’re back at work, retire or the term ends
Cover that helps here:
If your business lost an owner or key person, what would happen next?
Without cover
- Profits and contracts can drop overnight
- Their shares could pass to family who don’t want them
- Lenders may call in loans and personal guarantees
With the right cover
- Money to replace them and steady the business
- Funds for the remaining owners to buy the shares
- Business debts cleared, not passed to families
Cover that helps here:
Free tools
How protected are you, really?
Most people have no idea whether their cover would be enough, or whether they have any at all. Two free tools give you a clear starting point before you speak to anyone.
Why choose us?
Advice from people, not a phone menu.
Comparison sites show you prices. Call centres read you scripts. We sit down, listen and explain, then stay with you for the life of the policy.
01
Personalised service
Every conversation is one-to-one, so you get advice that fits your unique situation.
02
Clear & honest
We use plain language: no confusing industry jargon, and no pressure to buy more than you need.
03
Expert guidance
With years of experience, we offer advice you can trust over big call centres and comparison sites.
| Elsby Life | Comparison site | Call centre | |
|---|---|---|---|
| Who you speak to | The same adviser, every time | Nobody, it’s a form | Whoever picks up |
| Cover matched to you | Built around your family, debts and income | You choose the amount yourself | Often a standard script |
| Policy detail explained | Definitions and exclusions, in plain English | Ranked mainly on price | Varies |
| Help with trust forms | Yes, we’ll walk you through | On your own | Sometimes |
| Support if you claim | We help you through it | Deal with the insurer directly | Deal with the insurer directly |
How it works
Four steps. No pressure.
From the first chat to the policy being in place, usually within a couple of weeks.
1
A quick chat
Tell us how you’d like to be contacted: phone, email or text. We’ll arrange a time that suits you.
About 15 minutes2
We listen
Your family, your home, your work and what worries you. We work out what you actually need.
One-to-one3
Clear options
We compare insurers and explain the choices in plain English, including what each one won’t cover.
No jargon4
Cover in place
We handle the application and trust forms with you, then stay on hand for reviews and claims.
For the life of the policyClient stories
In their own words.
These three slots are placeholders. The live site would show genuine reviews, for example from Google or Trustpilot.
Placeholder
Placeholder
Second review: ideally about income protection or a claim.
Client name · Income protection
Placeholder
Third review: a business owner on key person or shareholder cover.
Client name · Business cover
How do I know which cover is right for me?
Start with what would worry you most: leaving family short, a serious illness, or losing your income. Our two-minute quiz points you in the right direction, and a conversation with us fills in the detail. We’ll only suggest cover that fits your situation and budget.
Is your advice tailored to me?
Yes, every time. Every conversation is one-to-one, with a person rather than a script, so the advice fits your situation, your family and your budget.
How do I get started?
Fill in our short enquiry form, call us on 0161 884 9480, or pick how you’d like us to contact you: phone, email or text. We’ll arrange a time that suits you.
Does it cost anything to talk to you?
No. The first conversation is free and there’s no obligation. If you go ahead, we’re usually paid by commission from the insurer, and we’ll explain exactly how that works before you decide.
Do you search the whole market?
We compare policies from a panel of leading UK insurers through The Openwork Partnership. We’ll tell you which insurers we’ve looked at and why we’ve recommended one over another.
Get started
Ready to talk it through?
No call centres, no scripts. Just a real person who’ll listen, explain your options in plain English and help you decide.