Business Details
Award-Winning Life Insurance Solutions in the UK
Essential Insurance is one of the UK's leading life insurance brokers, dedicated to providing award-winning customer service and tailored insurance solutions. With a focus on no-obligation, no-nonsense advice, we compare policies from leading UK insurers to ensure clients receive coverage that aligns with their unique needs and budgets. Our team of dedicated advisors offers personalized support, guiding clients through the process of selecting life insurance, critical illness cover, income protection, and business-specific policies.As a member of the British Insurance Brokers Association (BIBA) and the Protection Distributors Group (PDG), we uphold rigorous professional standards while advocating for market improvements. Our commitment extends beyond policy sales, with a unique aftercare service ensuring ongoing client support and satisfaction.
Services
Life Insurance
Critical Illness Cover
Income Protection
Business Cover
Family Income Benefit
Index Linked Cover
Joint Life Cover
Whole of Life Cover
Decreasing Term Insurance
Level Term Insurance
Highlights and features
- Award-winning customer service with no obligation advice
- Dedicated advisors comparing policies from leading UK insurers
- Membership in BIBA and PDG for professional standards
- Free policy placement in trust to mitigate inheritance tax
- Tailored insurance solutions for life, critical illness, and income protection
Associations and certifications
- British Insurance Brokers Association (BIBA)
- Protection Distributors Group (PDG)
What people say
Award-winning customer service
Dedicated advisors
Tailored policies
No obligation advice
Free policy in trust
Services
Life Insurance
Life insurance provides financial protection for dependants in the event of the policyholder's death. It offers a lump sum payout to support families, settle mortgages, or cover ongoing expenses. Essential Insurance offers tailored policies from leading UK insurers, ensuring coverage that meets individual needs and budgets.
Critical Illness Cover
Critical illness cover delivers a tax-free lump sum if diagnosed with a specified condition like cancer, heart attack, or stroke. This financial support helps cover medical bills, care costs, or income loss. Essential Insurance provides policies that can be combined with life insurance for comprehensive protection.
Income Protection
Income protection replaces lost earnings due to illness or injury, ensuring financial stability during recovery. Policies include inflation-linked options and tax-free benefits. Essential Insurance offers coverage up to 55% of annual income, with flexible terms and a hassle-free claims process.
Business Cover
Business cover safeguards companies against financial loss from key person illness, death, or shareholder changes. Solutions include Key Person Protection, Shareholder Protection, and Relevant Life Insurance. Essential Insurance ensures continuity by providing lump sums to maintain operations or buy out shares.
Family Income Benefit
Family income benefit provides a regular income to dependants instead of a lump sum, supporting ongoing financial needs. This policy can be written in trust to expedite payouts and mitigate inheritance tax, ensuring families receive timely support.
Questions
Do I need life insurance?
Life insurance is recommended if you have dependants, a mortgage, or financial commitments. It provides crucial support for loved ones in the event of your death.
How much cover should I take out?
The amount depends on your mortgage, debts, family size, and future needs. Our advisors conduct a thorough review to recommend suitable coverage.
Can I combine critical illness cover with life insurance?
Yes, critical illness cover can be added to life insurance policies for comprehensive protection against both death and serious illness.
Is life insurance tax-free?
Life insurance payouts are tax-free but subject to inheritance tax. We offer free policy placement in trust to mitigate this risk.
What is income protection?
Income protection replaces lost earnings due to illness or injury, providing financial stability with tax-free, inflation-linked benefits.
Can I get cover if I have a medical condition?
Yes, we work with specialist insurers to provide cover for pre-existing conditions, ensuring competitive rates based on your medical history.
