Protection and insurance services
We insure our cars, homes, holidays and even our pets! But when it comes to insuring our lives and providing our loved ones financial protection, we often put it off for another day.
Tailored insurance advice to protect what matters most
Most of us don’t plan for illness, injury or a sudden loss of income, but when the unexpected happens, the financial impact can be immediate and far-reaching. Without the right protection, you, your family or your business could be left under real pressure.
That’s where we come in. At Flying Colours, we make it simple to put the right safeguards in place. Whether you’re looking for life insurance, critical illness cover, private medical insurance or income protection, we’ll tailor your plan to suit your circumstances, goals and future plans.
We work with families, business owners and retirees to build flexible, tax-efficient protection strategies that adapt as life changes, so you’ll have peace of mind knowing the people and things you care about are properly protected.
Whether your priority is securing your family’s income, protecting your business or preparing for life’s what-ifs, we’ll help you build a personalised plan that fits your goals and gives you confidence for the road ahead.
Life insurance
This protects your family or dependents financially in the event of your death and is designed to pay money to your family.Critical illness cover
This type of insurance pays out a lump sum if you are diagnosed with a serious illness. The list of conditions is often comprehensive.Income protection
This will typically pay out a monthly amount of money if you are unable to work due to illness, disability, or injury. Similar provision can be made in the event of redundancy from your job.Why protection planning matters
Illness, injury or loss can cause serious financial strain. In the UK alone, over 186 million working days are lost each year to health-related or medical issues.
Without a protection plan in place, you or your loved ones could face income loss, costly care or a drop in living standards. Insurance offers a safety net — whether that’s a lump sum after a cancer diagnosis or regular payments if you’re unable to work.
Our advisers help you understand the options, so you can make informed choices with confidence.
Our protection services
Life insurance solutions
Life insurance provides financial reassurance when it’s needed most, helping your family manage expenses like mortgage payments, education costs or day-to-day living if you’re no longer around.
We offer tailored cover based on your priorities, whether that’s short-term protection or whole-of-life insurance up to £2 million. For those thinking ahead, we can also help place life insurance in trust to make payouts faster and more tax efficient.
Life cover can also play a valuable role in later life, supporting your income strategy or helping reduce inheritance tax as part of a broader financial plan.
Critical illness cover
A serious illness can disrupt every part of life. A critical illness policy provides a one-off payout when you’re diagnosed with a defined condition such as cancer, stroke, heart disease or advanced diabetes.
Cover typically includes more than 50 illnesses. Child cover is often included as standard, giving you extra peace of mind.
With an average claims acceptance rate of 85%, you can be confident that you’ll be covered when it counts.
Private Medical Insurance (PMI)
Access to timely medical care is crucial for your health and peace of mind. Private Medical Insurance (PMI) ensures you receive prompt treatment without the long waiting times often associated with public healthcare systems.
With PMI, you benefit from faster access to medical care, a choice of specialists and facilities, and access to advanced treatments not readily available through public healthcare.
Whether you’re seeking coverage for yourself, your family, or as part of an employee benefits package, we can help you find a PMI plan that aligns with your healthcare priorities and budget.
Income protection strategies
If you’re off work due to illness or injury, income protection can replace up to 70% of your salary — paid monthly and usually tax-free. Cover can continue until you recover, reach retirement, or for a fixed term. It’s flexible, affordable, and tailored to your risk level and job type. For business owners, we can combine income protection with group schemes and redundancy cover for a complete risk management strategy.
Planning for the long term? Our retirement planning service works hand-in-hand with your protection plan.
Critical illness vs income protection
Not sure which cover you need? Here’s a simple breakdown:
| Feature | Critical Illness Cover | Income Protection Insurance |
| Payout Type | Lump sum | Monthly income |
| Trigger | Diagnosis of specific serious conditions | Inability to work due to illness or injury |
| Conditions Covered | Limited to defined illnesses | Broad – includes mental health and chronic issues |
| Duration of Benefit | One-time payment | Until recovery or end of policy term |
| Child Cover | Often included | Usually not included |
Business protection
If you run a business, the right insurance can keep things moving, even when unexpected events disrupt the day-to-day.
We provide tailored cover for key people, shareholder protection agreements, and income protection for business owners and directors. Group protection plans can also help you support and retain staff by offering added financial security if they’re unable to work due to illness or injury.
Whether you’re self-employed or managing a growing team, we’ll help you build a strategy that supports business continuity at every stage.
What makes Flying Colours the right choice for protection advice?
Choosing the right protection isn’t just about comparing policies, it’s about making sure your cover reflects your life, your goals, and what you care about most.
At Flying Colours, we offer clear, independent advice to help you navigate your options with confidence. Whether you’re thinking about life insurance, income protection, private medical insurance or critical illness cover, we’ll guide you through the decisions that matter, so you can feel confident you’re making the right choice.
We take a personal, practical approach, aligning your protection with the bigger picture of your financial wellbeing. No jargon. No pressure. Just advice that works for you, now and in the future.
Book your free initial chat
Ready to start planning for a brighter financial future? Book now for a free, no-obligation chat with one of our independent financial advisers.
book nowWhy choose us?
Our long-standing clients explain why they continue to trust us for financial advice, year after year.