Life & critical illness
Term life cover replaces your income for the years your family would need it most. Critical illness pays a lump sum if you're diagnosed with a serious condition — useful for clearing a mortgage or paying for care. We help you size the cover honestly: enough, but not theatre.
Income protection
Statistically the most useful policy almost no one has. If you can't work because of illness or injury, income protection pays a monthly benefit — often for years — while you recover. We match policies to your job's actual risk profile.
Home & contents
Beyond price, we read the small print. We check single-item limits, accidental damage clauses and whether claims for escape-of-water are capped — the things that actually matter when something goes wrong.
Travel & expat cover
If you travel for work, live abroad part-time, or have a pre-existing condition, off-the-shelf travel insurance often quietly excludes the only thing you'd ever claim for. We source policies that don't.