Protection that speaks your language.
Independent advice on life cover, critical illness, income protection and accident cover for UK families and working people — explained plainly, by advisers who take the time to get it right.
Ask for a call backCheck the cover you have
Simple cover, no health questions
Policies you can apply for online today. An FEI adviser checks every application fits you before it starts.
ChildShield
Cash paid to you if your child is badly hurt or seriously ill. One policy covers every child.
From £6 a month →
EverydayProtect
Cash when you break a bone or stay in hospital, paid straight to you, to help with the bills while you recover.
From £11 a month →
Friendly Shield
A monthly income for up to 3 months if sickness or injury stops you working, from day 15. Short-term cover.
From £16 a month →
Guaranteed life cover
Turned down or postponed for life cover elsewhere? Plans with no medical questions, matched to your age.
See your options →Life, critical illness and income protection
For bigger decisions — protecting a mortgage, replacing your income long-term, making sure your family is looked after — you need advice, not a comparison site. We look across the market, explain the differences that matter at claim time, and recommend what fits your life and your budget.
- Life insurance and mortgage protection
- Critical illness cover
- Income protection for employed and self-employed
- Business protection and relevant life cover
- Putting your cover in trust, so it reaches the right people
people in the UK have an income protection policy.
If illness or injury stopped your pay tomorrow, how long would your savings last? Our protection review looks at what you already have and where the gaps are — no charge, no obligation.
Start a protection reviewSource: Drewberry Individual Protection Survey 2025.
How it works
Tell us what matters
Apply online, send a WhatsApp or book a call — whatever suits you. Only the essentials.
Get a clear recommendation
Your adviser compares the market and explains, in plain words, what each option does and what it doesn't.
We set it up with you
We send your demands and needs statement, help put the cover in trust, and stay with you for reviews and claims.
Why families choose FEI
Independent
Whole-of-market advice. No incentive to favour one insurer — only the one that is right for you.
Specialists
Our advisers focus on protection. You get an expert, not a generalist.
Complete
Trusts, wills and powers of attorney support, so the cover actually reaches your family.
Your language
Many of our advisers speak more than one language. Ask for advice in yours.
Questions people ask
Do I really need life insurance?
If anyone depends on your income — a partner, children, someone you support — life insurance makes sure they can keep their home and their plans if you're no longer there.
What's the difference between income protection and critical illness cover?
Income protection replaces part of your monthly income while you can't work. Critical illness cover pays a one-off lump sum if you're diagnosed with a specified serious illness. Many people need a mix.
Do I have to speak to someone on the phone?
No. Most of our clients work with their adviser by WhatsApp and email. We're happy to call or meet by video if you prefer.
Talk to an adviser
Leave your number and an FEI adviser will call you back.
Ask for a call backWhatsApp us
Whole-of-market protection advice for families and working people across the UK.
01270 747 989WhatsApp 07840 166 325info@feadviser.co.ukFinancial Expert Independent Ltd (FCA 565800) is an appointed representative of Financial Expert Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 591556). You can check this on the Financial Services Register at register.fca.org.uk.
Financial Expert Independent Ltd is registered in England and Wales, company no. 07779372. Registered office: 1st Floor, 3 Chester Bridge, Crewe, Cheshire, CW2 7EF.
© 2026 Financial Expert Independent Ltd. All rights reserved.