Advice area
Protection & Family Cover Review
Life cover, critical illness, and income protection reviewed against mortgage debt, dependants, and business responsibilities.
Request this consultation
Who this is for
Households with a mortgage, young children, or a sole earner whose illness or death would leave a sharp income gap.
What you receive
A cover schedule showing what you already hold, gaps against realistic needs, and recommended policies or trust structures without overselling.
Included
- Needs analysis against debts, childcare costs, and replacement income
- Existing policy review including exclusions and trust status
- Product recommendations from the whole of market within our permissions
Outside this engagement
- Medical underwriting decisions made by insurers
- Claims handling for existing policies held elsewhere
How we work through it
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Needs conversation
We map dependants, debts, and how long cover should last.
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Existing cover audit
Policies are reviewed for sum assured, term, and ownership.
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Recommendations
You receive a shortlist with reasons, not a product pile.
Typical timeline: Usually two to three weeks including underwriting liaison where you proceed.
Delivery: Office, video, or home visit for families with young children by arrangement.
Preparation: Existing policy schedules, mortgage redemption figures, and a rough monthly budget.
Fees: Advice fee may be offset by provider commission where permitted; we disclose the arrangement before you instruct us.