Life insurance for you

Easy, affordable cover for everyone

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Why choose Specialists 4 Protection?

  • All advisers are CII-Qualified and provide FULLY REGULATED ADVICE
  • Our services are 100% FREE with no obligation.
  • Compare & apply online or talk to an expert – YOU CHOOSE
  • We are Business and Personal Insurance EXPERTS
  • Completely PERSONALISED quote and service

Real, Regulated Advice from Qualified Experts


Helping people get the right protection is what we do every day. We give properly regulated advice to everyone who wants it, and work with the UK’s top insurers to get you the right cover. Compare and apply online, or speak to an expert for personal, regulated advice.

Provider Monthly premium Cost per day
Provider Aig £6.73 22p
Provider Aegon £8.17 27p
Provider Lv £8.50 28p
Provider Zurich £8.59 28p

On average, people think life cover is 397% more expensive than it actually is. Take a look at the example below and then get a quote yourself, you might be surprised.

Quotes shown are for a 40 year old male who doesn’t smoke. Policy is £100,000 life insurance cover for ten years with a fixed premium. Example is for illustrative purposes only and was correct on 21/11/2016.

Looking for Something Else?

Here’s what our clients say about us…

Need to make an insurance claim?

Insurance Claim Min

Our friendly, expert team are sympathetic to the hardships life sometimes throws at us. For help making your claim

01243 219190

Too busy to get life cover?

Busy Man Min

If you want advice before you get cover, but work and life keep you too busy, ask for a call in the evening or at the weekend. We’ll make time to get you the advice you need.

Refer a friend and Save Money!

Refere Friend Min

There’s nothing better than a personal recommendation. Every time you refer a friend or family member, you’ll get cashback on one months’ premium if they get a policy.

Free trust writing service

Depending on the value of your estate, the proceeds from your life insurance policy could be subject to inheritance taxes of 40%. What's more, the money will normally have to go through probate before it reaches your beneficiaries, meaning it takes longer to reach the people who need it.

But putting the policy in Trust means the cash goes quickly and directly to those you love, without being clobbered by inheritance tax and avoiding probate altogether.

If this is likely to be an issue for you, we provide a Trust-writing service absolutely free, so your family are guaranteed a speedy pay-out, exactly when they need it most.

Not sure what cover to get?

Getting the right cover for the right term at the right price can be a bit of a minefield. That's why we offer expert, personal advice to anyone who wants it. 

To request a callback from one of our CII-Qualified, fully regulated advisers, just fill in the form below.

Paying too much for life insurance?

The cost of a new life insurance policy tends to rise as we age, so most people think they've already got the best deal they're going to find. 

But premiums in general have become a lot more competitive over the last few years. And if your circumstances have changed, you might have more expensive cover than you need.

What's more, insurers are bringing out new life insurance products all the time, some of which are much more affordable than the old policies. 

Finding out if you're paying too much couldn't be easier. It takes 60 seconds to get an online quote, or speak to a regulated specialist who'll look at all aspects of your cover to see where you can save.

Latest News

Advisers say family protection is important
According to warnings from advisers, it is possible for families to be at risk if proper income protection is not provided.

8% fewer intermediaries selling life and CI cover
IFAs believe there is a growing threat of people not having life insurance and critical illness cover because fewer intermediaries are selling it.

More IFAs stop selling life insurance and critical illness cover
Nearly three quarters of IFAS believe there is a growing threat of people failing to have enough life insurance and critical illness cover because fewer intermediaries are selling it.