Is it ever too soon to consider life insurance?
Recently I read a heart-breaking story published by BBC News in the West Midlands. The article was about a woman, whose partner had sadly died in August, aged just 34, from cancer. The couple had not yet got life insurance, as in their early 30s, they thought they would not... Read More 
Helping you to secure your loved ones’ future: The peace of mind that comes with writing a Will
According to consumer research from IRN Legal Reports published in November 2022, only 35% of the UK adult population has made a Will. You may assume that there is no need to make a Will and that your loved ones will inherit your estate anyway, or you may simply have... Read More
Critical Illness Cover – is it worth it?
A record £6.8 billion was paid out in individual and group life insurance, income protection and critical illness claims in 2021, according to the latest figures from the Association of British Insurers (ABI). More than £1.2 billion was paid out to critical illness claimants and over 18,000 new claims were... Read More
Essential Insurance is Feefo Platinum Awarded for fourth year in a row
23 JANUARY 2023, it is with great pride that we announce Essential Insurance has won the Feefo Platinum Trusted Service Award for the fourth consecutive year. This independent seal of excellence recognises businesses for delivering exceptional experiences, going above and beyond, as rated by real customers. Being one of the... Read More
When access to the NHS is a problem, your life insurer could be a life saver
With demand for hospital treatment outstripping capacity even before COVID-19, it is no surprise that the demands of delivering care during a pandemic have led to significant backlogs and longer waits for patients. The British Medical Association (BMA) provides regular analysis on NHS capacity and their latest update states that... Read More
The fight against diabetes and how life insurance could help you
As November ends, so does Diabetes Awareness Month. However, this doesn't mark the end to the fight against the chronic disease, that an estimated 9% of the UK adult population battle daily. There’s much miseducation with diabetes, and those with the condition tackle both physical and mental challenges. Worryingly, cases... Read More
Be the lighthouse in “the storm”
The concluding half of 2022 has been a testing time for mortgage intermediaries, with the combination of increasing interest rates, fluctuating availability of mortgage products, and the energy crisis. This, coupled with alarmist news articles and predicted drop in property prices, have given rise to fear amongst existing borrowers concerned... Read More
In tough times, insurance could be your silver lining
91% of adults have reported their cost of living has increased compared with a year ago and almost three-quarters say that their cost of living has gone up in the last month. This according to the latest figures reported by the Office for National Statistics (ONS) from a survey of... Read More
The cost of living without protection insurance
Without doubt current cost-of-living crisis is hitting us hard. According to a Government report published in June this year, around three in four adults (77%) reported feeling very or somewhat worried about the rising costs of living and already around 60% of adults have reported spending less on non-essential items... Read More
Mitigating risks for SMEs
Government figures show there are 5.6 million private sector businesses in the UK, with 98% of these businesses employing less than 50 employees. The unprecedented events of the Covid-19 pandemic have massively impacted many of these businesses, their employees, and families. It's reported that for 1 in 5 businesses recovery... Read More