What we do
Begin with the life you want to protect or build, not a product name. We can then explore the relevant options, explain the trade-offs and make any recommendation only after understanding your circumstances.
Protect the people who rely on you
Life and serious illness cover can help protect the plans, commitments and people that depend on you when life takes an unexpected turn.
Substantial life cover for a chosen period.
Term assurance can pay an agreed lump sum if the insured person dies during the policy term, subject to the policy conditions. It is often considered while children, a partner or other commitments depend on your income.
The amount, term and any conversion option are policy-specific. We confirm the insurer's exact terms, exclusions and underwriting before any arrangement.
Discuss this area →Long-term cover for final expenses, estate needs or a legacy.
Whole-of-life assurance is designed to continue throughout life while required premiums are paid. A guaranteed design may maintain an agreed premium and benefit, while reviewable or unit-linked designs can work differently.
Often explored for funeral or final costs, a modest legacy or wider estate planning. We explain the policy type and whether any guarantees or reviews apply.
Discuss this area →A lump-sum financial buffer following a qualifying diagnosis.
Serious illness cover can pay a once-off, tax-free lump sum if an illness listed in the policy is diagnosed and its definition and severity requirements are met.
It can help create breathing room for bills, treatment-related costs or time away from work. Illnesses covered, exclusions and partial-payment rules vary by policy.
Discuss this area →Protect everyday stability
Your ability to earn and access appropriate healthcare can shape how resilient a household remains through illness or injury.
Replacement income when illness or injury prevents you working.
Income protection can pay a regular taxable benefit after a chosen deferred period while a qualifying illness, injury or disability prevents you working. Cover is commonly limited to a proportion of earnings less other income or benefits.
It can be particularly important for self-employed people without employer sick pay, as well as employees whose existing support is limited. Benefit amount, definition of disability and payment period are policy-specific.
Discuss this area →Review private health cover around your needs and budget.
Health insurance can help with access to and the cost of eligible private healthcare, depending on the plan selected. Benefits, hospitals, excesses, waiting periods and exclusions can differ substantially.
A review can help you understand the cover you hold or explore available options through Actual Insurances without assuming the most expensive plan is the most suitable.
Discuss this area →Plan beyond today
Retirement, investment and estate conversations look further ahead, balancing future objectives with risk, affordability and tax considerations.
Long-term provisions shaped around your objectives and capacity for risk.
Pension and investment advice begins with your time horizon, existing arrangements, objectives and attitude to risk. We can help review current provisions and consider suitable ways to plan for later life.
The value of investments can fall as well as rise, and you may get back less than you invest. Charges, tax treatment and access rules depend on the product and personal circumstances and may change.
Discuss this area →A policy intended to help fund a beneficiary's inheritance-tax liability.
A qualifying Section 72 policy is arranged specifically to provide proceeds towards eligible Capital Acquisitions Tax arising on an inheritance. Subject to Revenue conditions, the portion used to pay the qualifying tax may receive the statutory exemption.
It does not remove the underlying tax liability. Premiums can be significant, so the estimated liability, affordability, other funding choices and Revenue-qualifying conditions should all be considered.
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