Choosing the right life insurance, critical illness cover or income protection policy can be the difference between financial security and serious hardship when life changes unexpectedly. As experienced, FCA-regulated protection advisors in Scotland, we take the time to understand your circumstances and recommend cover that genuinely fits your needs — not an off-the-shelf policy.
Plain-English advice across all types of personal protection insurance
Appointments in person, by telephone or via Microsoft Teams — whichever suits you
We manage all paperwork and policy applications on your behalf
Specialist advice for complex situations — pre-existing medical conditions, high-risk occupations and more
Fully FCA-regulated financial advisor
Life insurance
Provides a tax-free lump sum to protect your family's finances if you die. We help you choose the right level of cover, policy type and term length, so the people who depend on you are never left in financial difficulty.
Critical illness cover
Pays a tax-free lump sum on diagnosis of a serious condition such as cancer, heart attack or stroke. We walk you through exactly what each policy does and doesn't cover, so there are no unexpected surprises at claim time.
Income protection insurance
Replaces a portion of your salary if illness or injury stops you from working. This is especially important for self-employed people or anyone whose employer offers limited sick pay.
Buildings & contents insurance
We help you secure the right home insurance policy to protect your property and belongings — ensuring you're neither under-insured nor paying for unnecessary cover.
For impartial information about insurance, please visit the Money Advice Service website at www.moneyadviceservice.org.uk
Getting started
How to get protection cover — four simple steps
1
Free consultation
Contact us by phone or email with no obligation and no jargon. We'll listen carefully to your situation and explain your protection options in plain English.
2
Needs assessment
We review your income, outgoings, dependants and any existing policies to identify gaps in your protection and establish exactly what cover you need.
3
Personal recommendation
We present a tailored recommendation with a clear written report — no pressure, just straightforward, independent advice about what we believe is right for you.
4
Application & support
We handle all the paperwork and keep you updated throughout the application process — and we're available to support you if you ever need to make a claim.
For impartial information about insurance, please visit the Money Advice Service website at www.moneyadviceservice.org.uk
Speak to a Scottish protection advisor — free, with no obligation.
Get expert, independent life insurance and protection advice from a qualified FCA-regulated advisor based in Scotland.
The information on this page is for general guidance only and does not constitute personal financial advice. For impartial information about insurance, please visit www.moneyadviceservice.org.uk
Initial consultations are free of charge and carry no obligation. However, a broker fee may be payable upon application for mortgage or insurance products. We will always make any applicable fees clear to you before you proceed.
Why not request a callback from our experts today?