Free — Limited to 50 reviews this month
Your protection policy
may be quietly failing your family.
Most UK protection policies haven't been reviewed since they were taken out. The market has changed dramatically — new conditions covered, better definitions, trust structures, free wills. Find out in 3 minutes exactly where your cover stands.
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Critical illness conditions covered by a modern policy vs one from 2015
£22M
Paid every day in UK protection claims — is your policy set up to pay yours?
Free
Independent policy review, will writing & trust setup — included as standard
⚠️ What most people have
A policy taken out years ago, not in trust, with outdated definitions, covering half the conditions a modern policy would — and no will to make sure it reaches the right people.
✅ What you could have
A policy that's right for your life now, written in trust, with modern definitions and proper cover — plus a free will and LPA, because proper protection doesn't stop at the policy.
🎁 Your Free Policy Review Includes:
Send us your details — or upload your policy schedule — and we'll give you an independent report on exactly what you have, what's changed, and what we'd recommend.
✓ Independent whole-of-market review
✓ Gap analysis vs current market
✓ Trust check + free trust tool access
✓ Free will writing (if you become a client)
✓ No obligation, no sales pressure
✓ FCA authorised advisers only
Takes 3 minutes · No commitment · FCA regulated
─── Scroll down to understand why this matters ───
Why we do this
We have seen what happens when a policy is out of date.
After 15 years and hundreds of claims, we know the difference between a policy that pays out immediately and one that leaves a family fighting for months. That difference is almost always a review that never happened.
Life changes. Policies don't update themselves.
A new child, a new mortgage, a change in income — each of these changes what your family needs if the worst happens. A policy that was right in 2018 may be dangerously inadequate today.
The market has changed. Your policy hasn't.
Critical illness cover from 2015 covered around 36 conditions. The same policy today covers 70+. Your insurer will not contact you to offer you more. We will.
Without a trust, your family waits over a year.
A life policy not written in trust goes through probate. That process takes 9–12 months on average in England and Wales. During that time, the payout is frozen. We set up trusts — free — as part of every review.
We work for you, not the insurer.
We are FCA-authorised, whole-of-market, and independent. We receive no fee from you — we are paid by the insurer only when we arrange a policy that genuinely improves your position. No review. No fee.
FCA 565800
Who we are
Financial Expert Independent Ltd
We are an independent whole-of-market protection adviser network, FCA authorised since 2010. Our advisers speak English, Polish, Romanian, Ukrainian, Greek and Hungarian — because proper protection advice should never be limited by language. We have arranged thousands of policies and supported hundreds of claims. We know what works.
🏛️ FCA Authorised
🌍 6 Languages
✅ Whole of Market
📅 15+ Years
💷 No Fee to You
Takes 3 minutes · No commitment · FCA regulated
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