Your home and income are your family's foundations. The right protection means that if life takes an unexpected turn — illness, injury or worse — the people you love are financially secure.
Most people insure their car, their phone, even their pet — but surprisingly few properly protect their income or their family's financial future. The reality is that if you stopped working tomorrow, how long could your household cope on savings alone?
We take a thoughtful, unhurried approach to protection. We won't push you into anything unnecessary — but we will make sure you understand what you have, what you're missing, and what the right cover would actually cost. It's often far less than people expect.
Life insurance pays out a lump sum to clear the mortgage if you die — so your family keeps the home.
Critical illness cover pays a tax-free lump sum on diagnosis of specified conditions — giving you breathing room to focus on recovery.
Income protection replaces a portion of your salary if you can't work due to illness or injury — for months or even years if needed.
Family income benefit pays a monthly tax-free income to your family for a set period — replacing your earnings so life can continue normally.
We're independent — meaning we compare products from every major insurer to find the right combination of cover at the best price for you.
Pays a lump sum or monthly income if you die during the policy term
The most fundamental form of protection. Ensures your mortgage is cleared and your family has financial security if you die. Available as level term, decreasing term or whole of life.
Pays a tax-free lump sum on diagnosis of a specified serious illness
Critical illness cover pays out when you're diagnosed with specified conditions such as cancer, heart attack or stroke. The money is yours to use however you need — clearing your mortgage, covering treatment costs, adapting your home, or funding recovery time.
Replaces your income if you can't work due to illness or injury
Often the most overlooked but most important form of cover. Income protection pays a regular monthly income — typically 50–65% of your salary — for as long as you remain unable to work, right up to retirement age if necessary.
Pays your family a monthly income if you die — not a lump sum
An often-overlooked alternative to standard life insurance. Instead of paying a large lump sum, family income benefit pays a regular monthly income to your dependants for the remainder of the policy term. Often more affordable than equivalent life cover.
Protects your home's structure and everything inside it
Buildings insurance is a lender requirement for any mortgaged property. We'll find you a competitive policy that covers your home's rebuild cost and ensures you're not left underinsured — a common problem with off-the-shelf policies.
Protects your business and partners if a key person can no longer work
Particularly relevant for self-employed people, directors and business partners. Key person insurance, shareholder protection and relevant life plans can protect your business financially — and often attract tax advantages.
Use our needs checker to get a sense of what cover might be right for your situation — and our premium estimator to see what it could cost.
Answer a few quick questions to see which types of cover you should consider.
We review your existing policies first. If you're already well-covered, we'll tell you. We only recommend what you genuinely need.
See how long your savings would last if you couldn't work, and what level of income protection you'd need to fill the gap.
Income protection typically covers up to 65% of gross salary. The exact benefit depends on your occupation, insurer and policy terms.
We take a thorough, structured approach to protection — because getting it wrong leaves your family exposed, and getting it right gives you genuine peace of mind.
We start by reviewing any existing policies — work benefits, previous life cover or income protection — so we don't duplicate what you already have.
We discuss your commitments, dependants, savings, employer sick pay and health. This builds a clear picture of where any gaps in cover exist.
We search the whole market — comparing premiums, cover levels, exclusions and insurer claim rates — to find the best value for your specific profile.
We review your protection annually, assist with claims if you ever need to make one, and update your cover when your circumstances change.
"Emma at Apricot went through our existing policies and found we were paying for overlapping cover. She reorganised everything, saved us £60 a month and we're actually better protected than before."
"I'd put off getting income protection for years. When I was diagnosed with a condition that put me off work for six months, that policy was an absolute lifeline. I can't thank Apricot enough for pushing me to sort it."
"As a sole trader I'd never even thought about business protection. The team helped me put a relevant life plan in place through my company — great cover and much more tax-efficient than anything I'd found myself."
Not sure what cover you need or how it all works? We're here to explain everything clearly — with no jargon and no sales pressure.
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