Consultation
Protection & Family Cover Advice
Life cover, income protection, and critical illness reviewed against your dependents, mortgage, and earnings.
Who it is for
Parents, mortgage holders, and self-employed earners needing cover that matches real liabilities
What you receive
A cover schedule showing gaps, overlaps, and suitable policy types with estimated premiums
Included
- Needs analysis for death, illness, and income loss
- Comparison of policy types and trust options at a high level
- Recommendation letter with insurer shortlist
Not included
- Claims handling for existing policies held elsewhere
- Medical underwriting decisions (set by insurers)
How the engagement runs
- Needs discussion
- Market research
- Recommendation and optional application support
Preparation
Mortgage balance, salary details, and existing policy schedules
Constraints
Final acceptance depends on underwriting