Business Details
Your Trusted UK Life Insurance Partner
Established as one of the UK's leading life insurance brokers, we combine award-winning expertise with a commitment to delivering tailored protection solutions. Our team of dedicated advisors specialises in comparing policies from leading UK insurers, ensuring clients receive comprehensive coverage aligned with their unique circumstances. As a member of the Protection Distributors Group and certified by the British Insurance Brokers Association, we maintain rigorous professional standards while offering no-obligation advice.Our unique aftercare service and FCA-authorised operations underscore our dedication to transparency, with policies placed in trust available free of charge to mitigate inheritance tax concerns. With a proven track record of negotiating competitive premiums and providing ongoing support through the policy lifecycle, we prioritise client education and informed decision-making in all our interactions.
Services
Life Insurance
Critical Illness Cover
Income Protection
Business Cover
Key Person Protection
Shareholder Protection
Relevant Life Insurance
Family Income Benefit
Index Linked Cover
Joint Life Cover
Highlights and features
- Award-winning customer service recognised by industry accolades
- Dedicated advisors provide personalised policy guidance
- Unique aftercare service ensures ongoing support
- Member of Protection Distributors Group advocating market improvements
- FCA-authorised operations guarantee regulatory compliance
Associations and certifications
- British Insurance Brokers Association (BIBA)
What people say
Award-winning service
Personalised guidance
Efficient processing
Expert advisors
Transparent communication
Services
Life Insurance
Level term insurance provides fixed coverage for specified periods, ideal for mortgage protection or family financial security. Policies pay tax-free lump sums upon death, with options for family income benefit and index-linked cover. Our advisors help determine appropriate coverage amounts based on individual circumstances including mortgages, debts, and family needs.
Critical Illness Cover
Pays tax-free lump sums upon diagnosis of specified conditions like cancer, heart attack, or stroke. Covers treatment costs and lost income, with optional child protection benefits. Policies include over 40 common illnesses while excluding pre-existing and substance-related conditions, with advisors available to explain insurer-specific terms.
Income Protection
Provides regular tax-free payments for work inability due to illness or injury. Offers level, inflation-linked, or reviewable premium options with coverage up to 55% of income. Policies start from 100 monthly, with budget options limiting payment duration to 24 months while reducing premiums.
Business Cover
Key person and shareholder protection policies safeguard businesses against financial loss from critical illness or death of essential personnel. Relevant life insurance offers tax-efficient employee benefits. Policies help maintain business continuity through lump sum payouts for debt repayment, share buyouts, or operational continuity.
Trust Services
Free trust placement services ensure policy proceeds reach intended beneficiaries efficiently. Mitigates inheritance tax liabilities and avoids probate delays. Services include will writing assistance and professional estate planning guidance, with trusts operating outside FCA regulatory oversight.
Questions
What life insurance coverage levels should I consider?
Coverage amounts depend on mortgages, debts, and family needs. Our advisors conduct thorough assessments to recommend appropriate levels.
Can I modify existing life insurance policies?
Yes, we help review and potentially improve existing policies to better match current circumstances and protection requirements.
How does critical illness cover differ from life insurance?
Critical illness cover provides payments upon diagnosis of specified conditions, while life insurance pays upon death, though policies can be combined.
What payment options are available for premiums?
Premium structures include fixed, reviewable, and inflation-linked options, with advisors explaining implications of each payment type.
How are policy claims handled?
We provide dedicated support throughout the claims process, ensuring timely payments and assistance with required documentation.
Can business protection policies be customised?
Yes, business cover solutions are tailored to specific corporate needs including key person protection and shareholder agreements.
Reviews (4)
Sven Talbot
Jan 02, 2022
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Worked with an advisor named Lee Wilshaw. He went above and beyond for me, was super persistent and went out of his way to argue my position with a large insurance company. Lee was professional and courteous, but more than that, it felt like he was personally invested in a positive outcome for me. Would definitely recommend, especially if all Essential Insurance advisors are similar to Lee and emulate his work ethic and dedication. Very pleased.
Eric Law
Dec 12, 2021
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Positive:Professionalism
Joe can elaborate both the product features and benefits to me and help advising how to comply with the requirement for my application in a timely and professional manner
Joe can elaborate both the product features and benefits to me and help advising how to comply with the requirement for my application in a timely and professional manner
Taz Bo
Dec 02, 2021
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Absolutely wonderful, so glad I found this company, they gave me clear advice. I felt so comfortable throughout the whole process and even had a lovely follow up call. Would highly recommend.
Trisha Cardus
Nov 21, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Very helpful and explained all what I needed to know about the policy I was taking out , very helpful with all my questions and very understanding .
Very helpful and explained all what I needed to know about the policy I was taking out , very helpful with all my questions and very understanding .
