Through life,together.

No. There's no life cover you're legally required to hold — buildings insurance is a condition your lender sets, not the law. Life cover, critical illness and income protection are all optional: sensible for many families, but your choice. We talk you through what's genuinely worth having for your situation, and never push cover you don't need.

They do different jobs. Life insurance pays a lump sum if you die. Income protection replaces part of your income — usually 50–70% — if illness or injury stops you working. If you have a mortgage or children, many families benefit from both. We help you weigh which matters most for you.

It can be — especially if a serious diagnosis would put your finances under real strain. It pays a lump sum (normally tax-free on a personal policy) if you're diagnosed with a covered condition such as cancer, a heart attack or stroke — money for the mortgage, the bills, or simply time to recover. It matters less if you hold large savings. We help you judge whether it earns its place for you.

With level cover the payout stays the same for the whole term. With decreasing cover it reduces over time — often chosen to track a repayment mortgage as the balance falls, which usually costs less. Level cover suits interest-only mortgages or replacing family income. We match it to your mortgage.

Maybe not life insurance — if no one relies on your income, there may be little to protect. But income protection can still be worth it, since it covers your own bills if illness stopped you working. Cover is also cheapest while you are young and healthy. We give you a straight answer, not a sale.

Yes. Our advice is free to you. We are paid by the insurer or lender if you decide to go ahead — and we always tell you that upfront. There is no fee from us for comparing the market, explaining your options or handling the paperwork. If something isn't right for you, we say so.

Yes. We have advisers who speak Polish and Romanian, so you can talk through something as important as protecting your family in your own language — nothing lost in translation. Many of our clients are Polish and Romanian families living in the UK. You are in good company here.

Often, yes — a health condition does not automatically rule you out. Different insurers view the same condition very differently, so being declined by one does not mean the door is shut. Because we compare 17 insurers, we can point you toward the ones likelier to offer cover on fair terms. We stay honest about what is realistic.

Usually not to income tax — a personal life insurance payout isn't treated as income. It can form part of your estate for inheritance tax, though, which is why many people write the policy in trust so it pays straight to their family. Trusts carry legal and tax implications and aren't right for everyone, so we talk you through whether one fits — and point you to specialist advice where it's needed.

Usually not. Most policies are arranged by answering health questions honestly — no appointment needed. Occasionally an insurer asks for a short GP report or a nurse visit, depending on your age, the cover amount or your health. We tell you what to expect before you apply, so there are no surprises.