Insurance that fits your life.
We give clear, personal advice on life insurance, serious illness cover, income protection and private medical insurance. We help you understand your options and put cover in place that feels right for you and your family.
What is protection insurance?
Protection insurance provides a financial safety net if something serious happens, such as death, a serious illness or being unable to work due to illness or injury.
You pay a monthly premium and, if a valid claim is made, a lump sum or regular income can be paid to you or your loved ones. That money can help cover a mortgage, everyday bills or simply give you breathing space at a difficult time.
Start my free quoteWhy is protection important?
Financial peace of mind
Having cover in place can give you confidence that your family would have financial support if the worst happened.Preparation for the unexpected
Protection can provide a safety net if illness, injury or death affects your income.Support for your loved ones
A payout can help your family manage bills, debts or other commitments while they adjust and plan for the future.What our advice covers
What’s included?
We can help you review and arrange:
- Life insurance
- Serious illness cover
- Income protection
- Family protection plans
- Health insurance / private medical insurance
We will look at any existing cover, your priorities and your budget, then outline options that we believe are suitable for you.
What’s not included?
Protection and health insurance are not savings plans and usually do not build up a cash value. If premiums stop, cover may cease and claims are subject to the policy terms and conditions.
We will always explain how a policy works, when it would pay out and any key exclusions so you can make an informed decision.
What type of cover do I need?
Life insurance
A lump sum if you die during the policy term, which can help your family cover a mortgage, debts or other commitments.Serious illness cover
A lump sum if you are diagnosed with a specified serious or critical illness covered by the policy.Income protection
A regular income if you are unable to work due to illness or injury, depending on the policy you choose.Health insurance
Cover to help with the cost of private medical treatment, subject to the benefits and limits of the plan.Three steps towards financial peace of mind
Getting started is simple. We keep things clear, friendly and focused on what matters most to you and your family.
Tell us about you
Share a few details about you, your family, your income and what you want to protect.
Review your options
We search the market, explain the options in plain English and answer any questions you have.
Get covered & rewarded
We set up the cover for you. As exclusive associates of Vitality Life and Health, some plans may also include extra rewards and benefits.
Get your free quote
Don’t just take our word for it
Protection & health insurance FAQs
The information on this page is for UK residents only and is not, by itself, personalised financial advice. Any advice will be provided after we have discussed your needs and circumstances in more detail.
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Alliance Financial Options Ltd is authorised and regulated by the Financial Conduct Authority (FRN 918603). Registered in Scotland No. 643953. Registered Address: 4 Barrack Street, Hamilton, Scotland, ML3 0DG.