We connect you with the right broker for your situation. That's it.
Insured UK partners with fully FCA-authorised insurance brokers who specialise in life insurance and health protection for people across the UK - including those with medical conditions, hazardous jobs, or complex circumstances that comparison sites can't handle properly.
Why speak to a specialist instead of going online?
Comparison sites work well for simple products like car insurance. Life insurance and health cover are different. Here's why a conversation with a specialist broker gets you a better outcome.
Every insurer underwrites differently
Insurer A might decline you for a condition that Insurer B covers at standard rates. A comparison site shows you the cheapest premium - our partner brokers show you the insurer most likely to cover you properly and actually pay out when it matters. They work with every major UK insurer and know their underwriting criteria inside out.
Medical conditions need specialist knowledge
If you have diabetes, a history of cancer, heart problems, mental health conditions, or anything else on your medical record, the right insurer matters more than the cheapest price. Our specialist brokers know which insurers are most favourable for specific conditions, which questions they'll ask, and how to present your application for the best outcome.
Your trust gets set up - for free
Without a trust, your life insurance payout goes into your estate. That means potential inheritance tax at 40% and months of probate delays while your family waits for money they need now. Our partner brokers set up the right trust on the call - it takes about 2 minutes and costs nothing. Most online applications skip this step entirely.
Income protection needs a conversation
Own occupation vs any occupation definitions, deferred period selection, benefit amounts, indexation options - these choices make the difference between a policy that protects you properly and one that looks good on paper but falls short when you need it. This can't be done properly through a comparison site.
You pay exactly the same premium
Whether you go through us or directly to the insurer, you pay the same price. Our partner brokers are paid a commission by the insurer - it doesn't come out of your pocket and it doesn't affect your premium. The difference is that they do the research, find the right insurer, and handle the paperwork.
What happens when you call
They listen
You tell the broker about your situation - your health, your family, what you're trying to protect. No forms, no portals. A conversation.
They research
Based on your circumstances, they identify which insurers are best placed to cover you. If you have a medical condition, they know which underwriter will give the best terms.
They recommend
They explain your options clearly. What's covered, what isn't, what it costs, and why. No jargon. No pressure. If they think you don't need something, they'll say so.
They set it up properly
They handle the application, answer the medical questions with you, and set up your trust. Everything done right, first time.
How our partner brokers make money - no secrets
When a policy is placed, the insurer pays the broker a commission. This is standard across the industry. The important things to know:
- Your premium is the same. You pay exactly what you'd pay going direct to the insurer. The commission comes from the insurer, not from you.
- No higher-commission bias. Our partner brokers recommend what's right for your situation. If you don't need critical illness cover, they won't push it just because it pays more.
- If they can't help, they'll say so. If your situation means appropriate cover can't be found, they'll tell you and point you in the right direction. Getting you cover elsewhere is better than no cover at all.
Fully authorised partner brokers
Every broker we partner with is authorised and regulated by the Financial Conduct Authority (FCA). In plain English, that means:
- They must act in your best interest and give you suitable advice
- They must be transparent about costs, commissions, and how they operate
- You have access to the Financial Ombudsman Service if you're unhappy with the service
- Your money is protected by the Financial Services Compensation Scheme (FSCS)
All partner firms are listed on the FCA Register. You can verify their authorisation on the FCA Register.
What our partner brokers can help with
Ready to talk?
Free, no-obligation call. Our specialist brokers listen to your situation, find the right insurer, explain everything clearly, and set up your trust at no cost. If they can't help, they'll tell you.
Get QuoteFree. No obligation. Takes 2 minutes.