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.
Having a life insurance policy gives you peace of mind that your loved ones will be looked after financially when you pass away. We size the cover around the mortgage, the household running costs, and how long your family would need to be protected.
Critical illness cover.
Designed to pay a lump sum or regular income on diagnosis of a specified critical illness. Definitions vary massively between insurers — we compare the small print, not just the premium.
Income protection.
The most overlooked policy in the household. Pays a monthly income if you are unable to work due to illness or injury. Essential for the self-employed and higher earners who do not have a big employer sick-pay scheme behind them.
Family income benefit.
A form of life insurance that pays a regular monthly income (rather than a lump sum) to your family for the remainder of the policy term if you die. Often the most cost-effective way to replace a lost income.
Mortgage protection.
A mortgage is the biggest financial commitment most of us will ever take on. Mortgage life insurance policies have one clear objective — to help pay off an outstanding repayment mortgage in the event of death.
Accident 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.
Home insurance.
Home Insurance protects both your home inside and out — covering your building and belongings against fire, flood, theft and accidental damage.
Trust & will guidance.
Where a policy is best written into trust for tax reasons, we walk you through it. Where a basic will would save your family a lot of hassle later, we point you at a solicitor we 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 directly with Anthony. Evenings and weekends available. No forms up front, no pressure.