The bit most
people put off.
Life, critical illness, income protection and family income benefit, arranged around the household, not the product. Peace of mind that your loved ones will be looked after.
Protection around the household, not the product.
Most people put off arranging protection because it feels complicated, morbid, and full of small print. We start with a conversation about your household, who depends on your income, what your mortgage looks like, what would need to happen if something went wrong tomorrow, then work back to the right cover.
We compare the small print between insurers, not just the premiums. Definitions on critical illness cover vary massively between providers and a cheaper policy that pays out less often is not a good deal.
The full list.
Life insurance.
Pays a lump sum to your family on death, during the policy term. Sized to clear the mortgage and keep the household running. Can be arranged as level term, decreasing, family income benefit, or index-linked to rise with inflation.
Learn moreCritical illness cover.
Pays a tax-free lump sum on diagnosis of a specified critical illness. Cancer, heart attack, stroke, MS and many more. Definitions vary massively between insurers, we compare the small print, not just the premium.
Learn moreIncome protection.
Your own personal sick pay. Pays a monthly income if you cannot work due to illness or injury, from a chosen waiting period (typically one to twelve months) right through until you go back to work or reach retirement. The most overlooked policy in the household, and the one that does most of the heavy lifting.
Learn moreFamily income benefit.
A form of life insurance that pays a regular monthly income to your family, rather than a lump sum. Often the most cost-effective way to replace a lost income.
Learn moreMortgage protection.
Life cover with one clear objective: pay off an outstanding repayment mortgage in the event of death. Sized to your term and balance, not sold on a headline number.
Learn moreAccident cover.
A lump sum payment if you are permanently injured or unable to work following an accident. Often paired with income protection for higher-risk occupations.
Learn moreHome insurance.
Home insurance protects both the building and the belongings inside, covering fire, flood, theft and accidental damage. Sourced against the same panel logic as your protection.
Learn moreWritten in trust.
We can write your policies in trust so the right people get the right money at the right time. Where a basic will would save your family hassle later, we point you at a solicitor we trust.
Learn moreFour things every A&L policy is built on.
The reasons families come to us for protection, and the reasons they stay when it's time to renew or reshape a policy.
Whole household in one place.
Life, critical illness, income protection and family income benefit sized against your mortgage, your monthly outgoings and the ages of the people at home. Not sold in isolation.
One named broker, first call to claim.
Whichever of Anthony, Mark or Liam picks up your enquiry is the person who stays with you. Not a switchboard, not a form that queues in a shared inbox.
Written in trust as standard.
Every policy we place is written in trust so the payout goes to the right people, at the right time, without probate delay. Set up in the same conversation as the cover.
Compared on the small print, not the premium.
Definitions vary massively between insurers, particularly on critical illness. We compare the wording, the exclusions and the claim record, then recommend the policy that would actually pay when you need it.
The right people,
get the right money,
at the right time.
We can write your policies in trust.
You do not pay us for protection advice.
For insurance we do not charge you a fee. We receive commission from the product provider, which is disclosed to you in writing before you commit to anything. Our recommendation is based on what is right for your household, not on which provider pays the most.
A&L Financial Solutions Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority.
Life happens.
Let’s take care of it together.
Book a call with the A&L team. Every case is dealt with by one broker from start to finish. Evenings and weekends available. No forms up front, no pressure.