Protection advice across Kent
Protect the life you are building.
We compare life insurance, critical illness cover and income protection from a panel of eight providers to find cover that suits your needs and budget. We explain our recommendation and handle your application, helping you protect your income, your home and the people who depend on you.
A useful protection conversation starts with what matters to you.
How we work ↗Plan around real life
Cover should make sense for your household.
The right protection depends on who relies on your income, what cover you already have and the commitments you would need to meet if circumstances changed. Your cover should reflect your own circumstances and priorities.
We will help you understand the purpose of each option, the level of cover, the cost and the important policy terms before you decide.
Types of protection
Different cover for different risks.
These policies do different jobs. We can help you decide which, if any, fit your needs and budget.
Life insurance
Can provide a lump sum or regular payments if you die while the policy is in force. It may help those who depend on you meet a mortgage or other living costs.
Critical illness cover
Can pay a lump sum if you are diagnosed with a condition covered by the policy and meet its definition. Covered conditions and exclusions differ between insurers.
Income protection
Can replace part of your income if illness or injury prevents you from working, usually after an agreed waiting period and subject to the policy terms.
Buildings & contents
Buildings cover protects the structure of your home; contents cover protects belongings. Mortgage lenders usually require buildings cover, while contents cover is optional.
Our protection panel
Eight providers. Cover chosen around you.
We compare protection from eight providers to recommend cover that suits your needs and budget. Each has different policy features, ways of assessing applications and additional support services. We look at those differences alongside the cost, so our recommendation is built around what matters to you.
Select a logo to see what each provider offers.
AvivaView detailsHide details
Cover optionsLife insurance, critical illness cover and income protection, with options to combine life and critical illness cover.
Children’s coverChildren’s critical illness cover is included with Critical Illness+ and combined life and critical illness policies. Broader children’s benefits are available at extra cost.
Useful featuresEligible policies include DigiCare+, giving access to digital GP appointments, mental health support and nutritional guidance, without needing to make an insurance claim.
GuardianView detailsHide details
Cover optionsLife insurance, critical illness cover and income protection, with Essentials and Protection options for life and critical illness cover.
Children’s coverEssentials critical illness policies include basic children’s cover. Broader Children’s Critical Illness Protection costs extra and can be added across the range, including to life-only or income protection policies. Children’s cover is optional on Protection policies.
Useful featuresGuardian’s dual life approach gives couples separate cover, so one partner’s claim does not end the other’s protection. Guardian Anytime also provides GP and wellbeing support without needing a claim.
LV=View detailsHide details
Cover optionsLife insurance, income protection, and life with either standard or enhanced critical illness cover.
Children’s coverLife and Enhanced Critical Illness includes standard children’s cover. Life and Critical Illness does not include children’s cover. Enhanced Children’s Cover can be added to either option at extra cost.
Useful featuresEligible customers can use Doctor Services for remote GP appointments, second medical opinions, physiotherapy and mental health support. Income protection also offers rehabilitation support to help with recovery.
Legal & GeneralView detailsHide details
Cover optionsLife insurance, income protection and critical illness cover, with standard and Critical Illness Extra options.
Children’s coverBoth adult critical illness options include standard children’s critical illness cover. Children’s Critical Illness Extra provides broader children’s protection for an additional cost; it is a separate upgrade from the adult cover.
Useful featuresRedArc nurses offer practical and emotional support. Care Concierge helps families understand adult care options, while income protection includes rehabilitation support during a claim.
Royal LondonView detailsHide details
Cover optionsLife cover, critical illness cover and income protection can be combined in one Personal Menu Plan, with different cover amounts and end dates.
Children’s coverChildren’s critical illness cover is an optional extra alongside adult critical illness cover. Standard and Enhanced options are available; Enhanced covers additional conditions, including specified pregnancy complications.
Useful featuresHelping Hand offers wellbeing and recovery support, including access to a dedicated nurse following serious illness, injury or bereavement. You do not need to make an insurance claim to use it.
The ExeterView detailsHide details
Cover optionsLife insurance and income protection. Its Real Life insurance can consider people with serious or multiple medical conditions, subject to medical assessment.
Children’s coverThese products do not offer children’s critical illness cover. If you need it, we can recommend suitable cover through other providers on our panel.
Useful featuresHealthWise gives members and eligible family members access to medical advice and support, including digital GP appointments. Services depend on the policy; this support is separate from insurance that pays out for illness.
VitalityView detailsHide details
Cover optionsLife insurance, income protection and Serious Illness Cover, which offers different levels of cover.
Children’s coverChild Serious Illness Cover is an optional extra with life insurance, income protection or adult Serious Illness Cover. When adult Serious Illness Cover is selected, the child’s cover level matches the adult’s.
Useful featuresSerious Illness Cover links payments to the severity of a covered condition and can allow more than one claim, within the plan’s limits. Eligible plans also offer wellbeing rewards for qualifying activities.
ZurichView detailsHide details
Cover optionsLife insurance, income protection and critical illness cover, with standard, Enhanced and Enhanced Plus critical illness options.
Children’s coverChildren’s Cover and Children’s Enhanced Cover are optional extras with life or critical illness cover. Pregnancy and Early Childhood Cover can be added when either children’s option is selected.
Useful featuresZurich Support Services offers confidential guidance and counselling for you and your family without needing a claim. Optional Accelerate adds access to specified diagnostic and treatment services for an additional cost.
These are highlights of the policies we can arrange. Children’s cover applies to eligible children and specified conditions. Cover, exclusions and limits depend on the policy and options selected. Optional extras cost more, and support services may change or be withdrawn. We explain what is included and what costs extra before you apply.
This panel relates to life insurance, critical or serious illness cover and income protection. We can discuss buildings and contents insurance separately.
Planning for the unexpected
How would your household manage if your income stopped?
How would you cover the mortgage or rent, household bills and everyday essentials?
Who depends on you financially, and what support would they need if you became seriously ill or died?
How long would your sick pay, savings or existing cover last if illness or injury kept you off work?
The details matter
We explain what a policy actually does.
A premium is only one part of the decision. We help you read the cover alongside the terms that determine when it can pay.
- How much cover you may need
- How long you want it to last
- Existing cover through work
- Waiting periods and claim definitions
- Exclusions and limits
- Premiums and affordability over time
Our approach
A considered conversation, without pressure.
Understand your situation
We look at your household, commitments and the protection you may already have.
Identify the gaps
We talk through the financial risks that matter most to you and the budget available.
Recommend and arrange
We compare suitable cover from our panel, explain our recommendation and handle the application when you are ready.
Review as life changes
A move, new job or growing family can change what you need from a policy.
Good to know
Questions people often ask.
Is life insurance required for a mortgage?
Life insurance is not generally a legal requirement for a mortgage. Many people choose it to protect those who depend on them. A lender will usually require buildings insurance.
Do all policies pay out in the same way?
No. The event covered, the amount and timing of a payment, and any exclusions are set out in each policy. We will explain those points before you apply.
Let’s talk about what matters.
Tell us what you want to protect, and we will help you understand the options.