Simple, honest, start to finish.
Here’s exactly what happens when you get in touch. One adviser, one clear conversation, and help for as long as you hold the policy.
Get in touch
Use the form, call or text. Tell us how you’d like to be contacted and when suits you. No hard sell, ever.
We get to know you
A relaxed conversation about your family, home, work, health and budget. We check any cover you already have, including through your employer.
We research the market
We compare policies from leading UK insurers on the details that matter: definitions, exclusions and claims support, not just price.
You get a clear recommendation
We explain what we recommend and why, what it costs and what it won’t cover, in plain English. You decide, in your own time.
We set it up together
We handle the application with you, help with trust forms and keep you updated until your cover starts.
We stay in touch
Life changes. We’ll review your cover when it does, and help you if you ever need to claim.
What you can expect from us.
- No jargon. If we use a technical term, we’ll explain it.
- No pressure. Take the recommendation away and think about it.
- Transparency on cost. We’ll explain how we’re paid before you commit.
- The small print, up front. We’ll tell you what a policy doesn’t cover, not just what it does.
- A cooling-off period. Protection policies usually come with 30 days to change your mind.
- Help at claim time. Call us first and we’ll guide you through it.
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.
Can I talk to you outside office hours?
We’re a small team and try to fit around you. Tell us the best time to call when you get in touch, and we’ll do our best to make it work.
Do I need a medical?
Usually not. Most applications are completed over the phone with health and lifestyle questions. Sometimes insurers ask for a GP report or a short nurse screening, which they arrange and pay for.
What happens if I need to claim?
Call us first. We’ll help you contact the insurer, explain what they need and keep in touch until it’s settled. That’s part of having an adviser rather than buying online.
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.