At Financial Expert Independent, we offer whole-of-market protection advice across a full range of personal and business insurance needs. Every recommendation is independent, unbiased, and built around your life — not a commission target.
And because we believe protection is only complete when the right structures are in place, we include free will writing and trust setup with every policy we arrange.
We Offer a Full Scale of Services to Meet your Needs
Life Insurance
Life insurance is the foundation of any family’s financial plan. If you were to die, a lump sum or regular income payment could clear your mortgage, replace your salary, and give your family time to grieve without financial pressure.
We compare every major UK insurer to find the right level of cover, the right term, and the right policy type for your specific situation. And we set it up inside a trust — at no extra cost — so the payout reaches your family quickly, without going through probate.
Income Protection
Most people insure their car and their home without hesitation. But very few insure the thing that pays for everything — their income. If illness or injury stopped you working, how long could you manage on savings? Statutory Sick Pay is just £116.75 a week. Income protection replaces a significant portion of your salary for as long as you need it.
We advise on short-term and long-term policies, including specialist insurers like British Friendly and Exeter Family Friendly, who are particularly strong for self-employed clients and those with complex occupations.
Critical Illness Cover
One in two people in the UK will be diagnosed with cancer at some point. Critical illness cover pays a tax-free lump sum if you are diagnosed with a serious condition — cancer, heart attack, stroke, and many more. It gives you the financial breathing room to focus on recovery, not bills.
We help you understand exactly what is and isn’t covered, so there are no surprises at claim time.
Mortgage Protection
Your home is likely your biggest asset and your family’s most important security. Mortgage protection ensures that if you die or become seriously ill, your mortgage is paid off — so your family keeps their home regardless of what happens to you.
We advise on decreasing term, level term, and family income benefit policies, and we always look at whether a standalone life policy or a combined approach gives you better value.
Business Protection
Business protection is one of the most overlooked areas of financial planning — and one of the most important. If a key person in your business died or became critically ill tomorrow, how would the business survive?
We advise on:
- Key Person Insurance — protecting the business against the loss of its most important people
- Shareholder/Partnership Protection — ensuring co-owners can buy out a deceased partner’s share
- Relevant Life Policies — a tax-efficient way for businesses to provide life cover for directors and employees
- Business Loan Protection — ensuring your business debt doesn’t become a personal liability
This is a specialist area and we have advisers who focus specifically on business clients.
General Insurance
From home insurance to landlord cover, we can advise on a range of general insurance needs and connect you with the right product for your situation.
Free Will Writing
We include professional will writing with every protection policy we arrange — at no cost to you. We do this because we believe a will is not optional. Without one, your estate may not go where you intend, and your family may face significant legal costs and delays.
Our will writing service is provided through Will Writing Network, our specialist partner.
Discretionary Trusts (Free)
A life insurance policy written in trust means the payout goes directly to your chosen beneficiaries — not into your estate. This avoids probate, speeds up the payment, and keeps it outside your estate for inheritance tax purposes.
We set up the trust as part of the policy arrangement, at no extra charge. Most advisers don’t offer this. We do, because it genuinely matters.
Lasting Power of Attorney Support
An LPA gives someone you trust the legal authority to make decisions on your behalf if you become unable to do so. There are two types: one for property and financial affairs, and one for health and welfare. We can guide you through the process and connect you with the right legal support.
