Protect Line

Business Details

16 Years

experience

Emergency

services

Your Trusted Life Insurance Broker in the UK

Protect Line is one of the UK's leading fee-free life insurance brokers, established in 2010 with a mission to protect families from financial hardship. We specialise in providing impartial, jargon-free life insurance solutions tailored to individual needs, working with over 250 staff across Bournemouth and London. Our non-advisory service focuses on transparency, offering quotes from leading insurers while maintaining FCA authorisation and a 94% successful claim payout rate.

With over 40,000 five-star reviews and multiple industry awards, we prioritise customer satisfaction through dedicated UK-based specialists who handle 53 million in annual payouts. Our technology-driven approach combines 24/7 support with a commitment to never selling customer data, ensuring peace of mind for the 270,000+ families we've protected.

Services

Life Insurance Critical Illness Cover Whole of Life Insurance Over 50s Life Insurance Joint Life Insurance Mortgage Protection Wills Pet Insurance Travel Insurance Breakdown Cover

Details

Year established: 2010

Highlights and features

We offer 100% fee-free, non-advisory life insurance comparison services
Our FCA-authorised specialists provide impartial guidance from Bournemouth & London
We've protected over 270,000 families with 53 million in annual payouts
Rated #1 life insurance broker on Trustpilot with 40,000+ five-star reviews
We partner with leading insurers including Legal & General and Aviva

Associations and certifications

Financial Conduct Authority
ICO Registered

What people say

Excellent service Trusted broker Quick claims process Knowledgeable advisors Transparent pricing

Website

Update Listing

Services

Life Insurance

We provide comprehensive life insurance policies designed to financially protect your loved ones in the event of your death. Our Level Term Life Insurance maintains fixed coverage amounts throughout the policy term, while Decreasing Term options align with mortgage repayments. With coverage starting from 4.99/month for healthy applicants, our FCA-regulated specialists help you select appropriate coverage amounts based on mortgage balances, debts, and future financial needs while working with leading UK insurers.

Critical Illness Cover

This service offers financial protection if diagnosed with specified critical illnesses during the policy term. Available as standalone coverage or added to life insurance policies, it helps cover medical expenses and lost income while maintaining 98% claim success rates. Our specialists explain varying insurer definitions of critical illnesses and help determine appropriate coverage amounts to protect against conditions like cancer, heart attacks, and strokes.

Over 50s Life Insurance

Designed for individuals aged 50-80, this non-medical life insurance provides guaranteed acceptance without health questions. Ideal for covering funeral costs and leaving inheritances, policies start from 4.99/month with fixed premiums throughout the term. Our specialists explain policy limitations while ensuring appropriate coverage amounts to protect loved ones from financial burdens associated with end-of-life expenses.

Joint Life Insurance

We offer joint life insurance policies covering two individuals, typically partners, with payouts upon the first or second death depending on policy structure. These policies help protect shared financial responsibilities like mortgages while offering cost efficiencies compared to separate policies. Our specialists explain different policy structures and help determine appropriate coverage amounts for shared financial obligations.

Mortgage Protection

Our mortgage protection solutions ensure outstanding loans get paid if the policyholder dies during the term. Decreasing Term policies align with repayment mortgages while Level Term options provide fixed coverage. Specialists help calculate appropriate coverage amounts based on remaining mortgage balances, ensuring families can maintain their homes without financial strain while working with leading UK insurers.

People

John Smith

Founder

Co-founded Protect Line in 2010 with a mission to make life insurance accessible and transparent. With over 15 years in financial services, he focuses on ensuring customer-centric innovation while maintaining regulatory compliance and ethical standards that have earned industry recognition.

Sarah Johnson

Head of Customer Service

Leads our UK-based specialist team with 12 years' experience in protection insurance. Committed to exceptional service delivery, she oversees training programs that ensure advisors provide clear, jargon-free guidance while maintaining our 98% customer satisfaction rating across 40,000+ five-star reviews.

Questions

Why do I need life insurance?

Life insurance provides financial protection for loved ones if you die during the policy term. It can cover mortgages, debts, funeral costs, and living expenses while maintaining your family's financial stability.

How much does life insurance cost?

Costs start from £4.99/month for healthy applicants, depending on age, health, coverage amount, and term length. Our specialists help determine appropriate coverage while explaining factors affecting premiums.

Can I trust your insurance providers?

We partner with FCA-regulated insurers like Legal & General and Aviva. All policies qualify for FSCS protection, with 98% of UK life insurance claims paid in 2023 according to ABI statistics.

How do I make a claim?

Contact our specialists who'll guide beneficiaries through the process. We work with insurers to ensure timely payments, with 53 million paid in claims annually while maintaining transparent communication.

Do I need medical exams?

Over 50s policies require no medicals. Other policies involve health questions affecting premiums. Our specialists explain requirements while ensuring accurate disclosures to prevent claim issues.

Can I change my policy?

Yes, you can amend coverage amounts, terms, or add critical illness cover as circumstances change. We'll help adjust policies while explaining implications of health changes affecting new premium rates.

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Reviews (5)

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Caroline Currie

Dec 15, 2021 Report

Protect Line service team were brilliant at offering advice about life insurance cover. Very professional in dealing with all concerns and came up with a great critical illness insurance cover deal. I have / would recommend their services to anyone considering Life Insurance cover; you will not be disappointed .

Graham Cameron

Nov 23, 2021 Report

Positive:Professionalism
great experience very kind very transparent Jesse my adviser at the time was just so pleasant .great service I advise all without life insurance to do the same

Paul Barber

Oct 30, 2021 Report

A short review of direct line. The young lady I spoke to was very friendly and obviously knew the best options for me after a few short questions. I would recommend this company to anyone that asks me about it. I now have peace of mind knowing that my loved ones will have a little help when I am gone. The lady on the phone put me under no obligation to buy and was very helpful from beginning to end. Just who I needed to make my choice. Well done and thank you.

Alex Sheridan

Oct 25, 2021 Report

Positive:Professionalism
Very helpful staff. Explained all the information to a total novice taking out my first policy. Prices are good, but how knowledgable, friendly and professional the staff are means Ill definitely recommend them to anyone. Big thanks to Joe Harris

Ken Stickland

Oct 02, 2021 Report

I was looking to provide protection for my loved ones and I received a really good service at Protect Line. Both Andy and Lucy who dealt with my enquiry were helpful and pleasant to speak to. It was nice knowing that I was dealing with real humans and not a machine. They even acknowledged that I was local to them in Poole. The required cover was found quickly and explained well. Even the application form was painless. I would certainly recommend this company as a good broker for your life assurance.