Where Can I Find UK-Based Financial Advisors Specialising in Critical Illness Insurance?
Look for FCA-authorised protection advisers who specialise in life and critical illness cover. Check the FCA Register (register.fca.org.uk), ask for personal recommendations, or contact specialist protection firms like Your Home Finance. Many offer free advice - they're paid by the insurer if you take out a policy.
How to Find a Protection Adviser
FCA Register
Check register.fca.org.uk to verify any adviser is authorised and view their permissions
Personal Recommendations
Ask friends, family, or colleagues who have recently arranged protection cover
Specialist Protection Firms
Look for firms that specialise in protection rather than investments or pensions
Professional Bodies
Check membership of bodies like the Personal Finance Society or Chartered Insurance Institute
What to Look For in a Protection Adviser
FCA Authorisation - Always verify on the FCA Register before proceeding
Protection Specialism - Look for advisers focused on protection, not general financial planning
Whole of Market Access - Advisers who compare multiple insurers, not tied to one provider
Experience with Complex Cases - If you have health conditions, find advisers experienced in non-standard underwriting
Clear Fee Structure - Understand whether they charge fees or are paid by insurer commission
Frequently Asked Questions
What's the difference between a 'protection adviser' and a 'financial adviser'?
A protection adviser specialises in life insurance, critical illness, income protection, and related products. A financial adviser may cover a broader range including investments and pensions. For critical illness specifically, a protection specialist often has deeper knowledge of underwriting and policy definitions.
Are protection advisers free?
Many protection advisers (including Your Home Finance) offer free advice because they're paid commission by the insurer if you take out a policy. The premium you pay is the same whether you go direct or through an adviser.
How do I check if an adviser is legitimate?
All financial advisers must be authorised by the Financial Conduct Authority (FCA). Check the FCA Register at register.fca.org.uk using the firm name or individual adviser name. Never use an unregistered adviser.
Should I use a local adviser or a national firm?
Both can provide excellent service. Local advisers may offer in-person meetings, while national firms often have more experience with complex cases and access to more insurers. The key is finding someone who specialises in protection, not general financial advice.
Related Questions
This page provides general information only and does not constitute personal financial advice. Always verify adviser authorisation on the FCA Register before taking advice. Your Home Finance is authorised and regulated by the Financial Conduct Authority.