Business Details
Trusted Life and Critical Illness Insurance Solutions
We are a specialist insurance provider offering life cover, critical illness, and income protection policies tailored to UK residents. Established in partnership with industry-leading underwriters, we have provided accessible insurance solutions since 1986 through our collaboration with Compass Underwriting. Our policies feature flexible benefit levels, transparent terms, and simplified claims processes designed to support policyholders during challenging times. We prioritise clear communication about coverage limitations, including pre-existing condition moratoriums and exclusions for high-risk activities. Our team maintains rigorous compliance with financial regulations as an Appointed Representative of ViVet Limited, authorised by the Financial Conduct Authority.While we no longer offer new policies, we remain committed to administering existing policies until their transition to HIVE Insurance Services in November 2025. Our approach balances affordability with comprehensive protection, offering family coverage options and tax-free benefits across our product range. We maintain detailed policy documentation to ensure policyholders understand their coverage terms and claims procedures. Our legacy of over 35 years in the insurance sector demonstrates our commitment to delivering reliable financial protection solutions.
Services
Life Cover
Critical Illness Cover
Sick Pay Insurance
Claims Management
Policy Administration
Highlights and features
- We offer policies developed through 35+ years of underwriting expertise
- Our coverage includes family protection options with transparent pricing
- We maintain FCA-authorised compliance standards across all operations
- Our claims team resolves 90% of cases within 10 working days
- We provide clear policy documentation with defined moratorium periods
Associations and certifications
- Financial Conduct Authority
Services
Life Cover
We provide life insurance policies covering ages 18-50 with benefit amounts from 25,000 to 100,000. Coverage renews every five years with guaranteed pricing, allowing family additions at extra cost. Policies remain active until age 68, with claims paid for deaths unrelated to pre-existing conditions after 24 months symptom-free period.
Critical Illness Cover
Our critical illness policies cover eight major conditions including cancer and heart attacks. Benefits up to 50,000 pay out tax-free, reducing remaining life cover amount. Coverage extends until age 62 with 10-year moratorium periods for pre-existing conditions. Policyholders receive full details of condition definitions and exclusions.
Sick Pay Insurance
We offer income replacement policies paying up to 1,500 monthly for six months. Coverage requires 30-day waiting period with 14-90 day qualifying periods. Exclusions apply for pre-existing conditions, hazardous activities, and coronavirus-related claims. Benefits remain tax-free and automatically renew until age 69.
Claims Management
Our Compass Underwriting claims team processes 90% of submissions within 10 working days. We handle life, critical illness, and income protection claims with dedicated support since 1986. Claims require medical evidence for certain conditions and exclude incidents related to alcohol/drug abuse or self-harm.
Policy Administration
We administer policies with clear documentation outlining terms, exclusions, and renewal processes. Policyholders access summaries and full documents online. Administration transfers to HIVE Insurance Services from November 2025, with existing policies maintained under original terms until natural renewal.
Questions
What life cover amounts are available?
We offer life cover benefits of £25,000, £50,000, £75,000, and £100,000 with guaranteed pricing for five-year terms.
How do pre-existing conditions affect claims?
Claims related to pre-existing conditions within three years of policy start may be excluded, unless symptom-free for 24 months.
When does critical illness cover end?
Critical illness benefits remain active until age 62, with life cover continuing until age 69 under standard policy terms.
How long does sick pay insurance last?
Income protection policies pay up to six months of benefits, with annual renewals available until age 69.
Who handles claims processing?
Compass Underwriting's specialist team manages all claims, resolving most cases within 10 working days of receiving required documentation.
What happens after November 2025?
HIVE Insurance Services will administer all policies from 1 November 2025, maintaining existing coverage terms until natural renewal.
