No. Our approach is cover-first: pure protection is assessed before any investment-linked product, and every option comes with its costs explained.

A widely used thumb rule works from your age: roughly 25× annual income up to age 30, 20× up to 40, 15× up to 50 and 10× beyond, then add outstanding loans and subtract cover you already hold. Our Term Cover Calculator applies exactly this rule. Treat the result as a starting point for a conversation, not a recommendation.

Employer cover is a useful base, but it ends when the job does, on a switch, a sabbatical or retirement, which is often when new cover is harder to buy. A personal health policy stays with you regardless of where you work, so many families treat employer cover as a top-up rather than the foundation.

 No. Every policy is issued by the insurer you choose; premiums are paid to that insurer and claims are settled by it under the policy's terms. We facilitate the assessment, comparison and paperwork as a distributor, and we may earn commission from insurers on policies distributed, details available on request. Insurance is the subject matter of solicitation.

We track renewal dates so your cover never lapses silently. You'll hear from us before a policy expires. A break in cover, especially health cover, can mean losing continuity benefits you've already earned.