- ★★★★★
“Had some trouble in the past attaining cover and Check Financial made the whole process easy to understand - would highly recommend!”
- ★★★★★
“They made a process I was dreading easy and not stressful at all.”
- ★★★★★
“After being declined for income protection twice over the last year… Olly took the time to understand my situation and managed to get me covered within a week.”
- ★★★★★
“Olly is incredibly helpful and always takes the time to ensure you understand exactly what you are signing up for.”
- ★★★★★
“I now have cover that is built around my health and gives me huge reassurance.”
- ★★★★★
“He took the time to understand my situation… and made me feel supported rather than judged.”
- ★★★★★
“Made my experience as a first time buyer seeking some life insurance a lot smoother and hassle free.”
- ★★★★★
“Everything was explained clearly, they were very responsive to my questions and any points I raised were addressed quickly and thoroughly.”
Expert Advice for Life Insurance, Personal and Business Cover.
Cover that fits your life, with every recommendation explained in plain English.
How Can We Help You?
Any recommendation comes from a qualified Check adviser.
Prefer a person? Book a free call · 020 8178 7470
FCA regulated · Appointed representative of Capital Protect Ltd
★★★★★ Rated Excellent on Trustpilot · 21 reviewsWhole of market, not tied to any insurer
Where Would You Be If…
Most of us don't think about these things until we have to. Each of these is a situation protection is designed for, and we'll explain the right cover, what it costs and what it won't do, in plain English.
I Couldn't Work
Bills and the mortgage carry on even when your income stops. We work out how long you could manage and cover the gap.
Usually income protectionI Became Seriously Ill
Treatment, time off and adapting life afterwards all cost money. A lump sum buys you choices.
Usually critical illness coverI Died
The people who depend on you keep the home and keep going, without a mortgage hanging over them.
Usually life coverSomething Happened to My Business
An owner or key person being ill or dying should not end the business or hand shares to the wrong people.
Usually business protectionHow It Works, Start to Finish
- 1
A Conversation
Fifteen minutes on your mortgage, your family, your work and your health. No forms to fill in first.
- 2
Options, in Writing
What we recommend, what it costs, what is excluded and why we chose it over the alternatives.
- 3
We Handle the Rest
We deal with the insurer and underwriting, keep you updated, and check in each year to make sure the cover still fits.
What you can expect from us
- The same named adviser, by phone, email or the app
- Every recommendation explained in plain English
- Specialist help if you've been declined or offered higher terms before
- A yearly check that your cover still fits your life
Real Cases, Real Outcomes
Browse all case studies →Different insurers take different views, and knowing which ones is our job. Every personal detail below has been changed.
Declined Twice Online, Accepted at Standard Rates
History of anxiety and antidepressants triggered automatic online declines.
Outcome: £300,000 of life cover at standard rates, no exclusions.
Read the full scenario →No Sick Pay, No Safety Net, Until Now
A sole trader with variable income assumed income protection wasn't available or affordable.
Outcome: Own occupation income protection, based on two years of accounts.
Read the full scenario →In Remission, and Now Fully Covered
Treatment finished several years earlier, and the client assumed cover was out of reach.
Outcome: Life cover for the mortgage and family, using a pre-application enquiry first.
Read the full scenario →The People You'll Speak To
Meet the team →
Oliver Jordan
Founder & Protection Adviser
With 10 years in financial services, Oliver is committed to high standards of advice and client care.
Megan Archer
Operations Director
With over 10 years in financial services, Megan sees the client journey from start to finish and makes sure every detail is handled with care.
Alex Bennett
Protection Adviser
Alex advises clients across a range of protection needs, helping them secure the right cover with clarity and confidence.
Questions People Ask Us
Can I get life insurance if I've previously been declined?
Being declined by one insurer, particularly through an online comparison site, does not mean you are uninsurable. A specialist adviser can review your full picture and approach insurers who are more likely to offer cover.
Will insurers contact my GP?
Sometimes, but not always. For larger amounts of cover or more complex medical histories, the insurer may request a GP report, always with your written consent.
Can self-employed people get income protection?
Yes, and it's arguably more important for self-employed people, because there is no employer sick pay to fall back on. Variable income is not a barrier to getting cover.
What happens when I make a claim?
You or your representatives contact the insurer, or us, and we'll help. We support clients through the claims process at no extra cost.
Let's See What Cover You Actually Need.
A 15-minute call, no pressure and no obligation. If you were introduced by a mortgage broker, we will keep them in the loop.