Term, health, and general cover arranged around your family’s real risks — protection kept firmly separate from investment.
One bad turn should never undo a lifetime of work. Done well, cover protects your family, your income, and your legacy long before anyone needs to think about it again.
Past a certain size, insurance stops being about replacing income and becomes a tool for the estate — for liquidity, for protection, and for a clean handover.
Every plan begins with a conversation about your goals — never a product. Tell us where you are, and we'll map the way in.
Talk to a specialistA large safety net for your family at a surprisingly small cost.
Proper cover for hospital and medical bills, with cashless treatment where possible.
Protection for your home, your vehicle, and your business assets.
We work out how much cover you genuinely need — no more, and no less — and compare across leading insurers.
You have people who depend on your income
You own or run a business
You’re planning the estate and its liquidity
You currently mix protection and investment in one product
Past a certain size, cover becomes a structuring tool.
Structured correctly, a policy can be ring-fenced for your family, beyond the reach of business creditors.
Protects the business against the loss of the person who holds it together, and funds a buyout cleanly.
Cover can provide ready cash exactly when an estate needs it, so heirs aren’t forced to sell in a hurry.
We favour clean term cover and separate investments over bundled products that do neither job well.
A common starting point is 10–15x annual income, adjusted for loans, dependents and existing assets. We size it to your actual picture.
We generally keep them separate: term for protection, dedicated investments for growth. It’s cheaper and clearer.
We arrange cover through leading insurers and explain each option in plain words. The aim is the right fit, not a particular product.
No obligation. Just clarity about your next step.
Arrange a private consultation