Businessman analyzing reports on a meeting in the office.

Our experienced team have been providing protection advice since 2011 and have an excellent understanding of unusual underwriting requirements. Since our inception, we have arranged in excess of £3.75 billion of insurance cover for our clients.

We are advisers, not salespeople. You and your family come first and are at the heart of any advice that we provide. We like to think that we are friendly, approachable and professional! But don’t take our word for it, have a look at what our clients say about us.

Meet the team

David founded Future Proof in 2011. He has over 17 years of experience within the industry and founded the company based on wanting to provide clients with high quality, clear and friendly advice. He believes that a client relationship is ongoing rather than transactional and the company has been positioned to help clients adjust their protection cover to reflect their changing circumstances. David is responsible for Future Proof’s strategic business partnerships and its ongoing growth. David is married with two children and “when not acting as a glorified taxi driver, I enjoy cycling, helping with the coaching of my son’s football team and walking our dogs Rolo and Ralph.”
David Mead

David Mead

Founder of Future Proof Ltd & Joint Head of Protection at St. James’s Place Protection Planning

Alex has worked in financial services since 1989 and has a wealth of experience from across the industry. He has specialised in Protection insurance advice since 2010. Having helped nurture our growth into one of the most respected specialist firms in the industry, Alex now heads up the St. James’s Place Partner relationship team. With four daughters, four dogs and two cats you would think life is hectic?  “I love every minute of it and all the challenges they bring. It makes for a colourful and fulfilling life, and also means the office is my quiet space!”

Alex Cleanthi

Joint Head of Protection at Future Proof and St. James’s Place Protection Planning

Lucy has a degree in English Literature and over 15 years of administration experience. She joined Future Proof in 2012 and was promoted to Manager of the support team in 2016. In 2017 Lucy took over the HR and Operations aspects of the business as well. She is responsible for all areas of HR, compliance and recruitment on the Future Proof and St James’s Place Protection Planning side. Lucy is married with two daughters. “I enjoy baking, holidays and also like to make the most of a good night out (when my little girls let me!)”
Lucy photo

Lucy Larcombe

Head of HR and Operations

Lewis previously worked for AIG Life and pensions provider, Just Retirement. Initially, Lewis’s role was as a Protection Adviser. Lewis is now responsible for delivering the Future Proof training process. His focus is to maintain excellent customer outcomes, provide Advisers with relevant skills to understand client requirements and offer relevant and compliant advice. Lewis enjoys travelling, exploring new places and experiencing different culture.

Lewis Breach

Training and Development Manager

Dean has worked in Financial Services for 24 years, initially within wealth providers, with the last decade exclusively within protection.  He has held positions ranging from Business Development Manager, Key Account Manager to National Account Manager level.  Dean is FPC1 and R05 qualified.  By his own admission, he is, first and foremost, a protection advocate and passionate about all areas of protection. Dean is married with two young daughters. He once completed 5 marathons in 5 weeks to raise over £7,000 to install top of the range equipment in a local primary school for the benefit of their deaf students.
Dean Hughes

Dean Hughes

Key Account Manager

Steph has worked in the industry for 35 years and has a wealth of experience from across the industry. Specialising in protection advice for the last 15 years.   Steph is FPC 1.2 & 3, CeMap, R01 & R06 qualified.  She is excited to share her passion for protection with one of the most respected specialised protection firms in the industry. Steph is married with one daughter.  She spends many hours taking her daughter to dance lessons, competitions, rehearsals and auditions. 
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Stephanie Hall

Key Account Manager

Sarah has worked in financial services for over 25 years, working in both the UK and International markets.  She has spent the last 10 years working in the protection industry and sees herself as a Protection champion.  Sarah is FPC1, R01, and R05 qualified. Sarah lives in Reading with her 12-year-old son.  In her spare time, she likes to keep fit by running and going to the gym.  A music lover who enjoys going to gigs with her boyfriend and friends.
Sarah Ellis

Sarah Ellis

Key Account Manager

Amy has over 20 years of experience in the Mortgage and Protection industry. CeMAP, RO1 and RO5 qualified, she is also our longest serving Adviser and has a wealth of knowledge in helping our clients, often when they have had difficulty with getting a policy in the past due to medical disclosures. Amy’s knowledge and expertise of insurance providers and underwriting criteria are second to none. In her spare time, Amy says “I like to consider myself a wine and food connoisseur and enjoy mini-breaks in Europe!”

Amy Whittingham

Adviser Team Leader

Matthew started his career in Financial Services in the late ’90s as a Financial Consultant. He joined a Protection Specialist broker where he spent 13 years advising, coaching and in Leadership roles. He is FPC1, 2, 3 and RO1 qualified. In his spare time, he loves spending time with his family. Enjoys trips away in his classic VW camper and really enjoys mentoring students to help them obtain their Duke of Edinburgh Award.
Matt adams

Matthew Adams

Adviser Team Leader

Karen has many years of experience in financial services and has a passion for delivering first-class customer service. Karen is CeMAP qualified and also achieved her CFSP, she is both RO1 and RO5 qualified. Karen has two boys and enjoys getting involved in lots of sporting activities. A champion charity fundraiser in her spare time, Karen has run the London Marathon and is now bitten by the Triathlon bug!
Karen searle

Karen Searle

Senior specialist adviser

Sarah’s previous role, before taking an extended career break, was as a Sales Development Manager at News UK Ltd. Sarah joined Future Proof in January 2017. Sarah is married with two young sons and has a cat ( Toffee) and two Border terriers called Pancake and Peanut. In her spare time, she loves Asian cookery, up-cycling furniture and is a karaoke queen!

Sarah Walker

Marketing Manager

Robyn joined Future Proof in 2014 as the company’s Client Relationship Manager. She has over 12 years of experience in customer services, having previously worked within the corporate business sector. Robyn is responsible for managing the team, ensuring we provide a first-class service to all our clients. Robyn is the office Star Baker and her creations have won her many of our company Bake Offs! “I am a self-styled TV expert, huge believer in holidays and The Borrowers. I spend most weekends stuck in a muddy field with my dog!”

Robyn Gavan

Client Relationship Manager

Nadia is a graduate of Portsmouth University, where she studied for her Law with Business Degree. Deciding she didn’t want to go into Law but enjoyed the business side she joined the client relationship at Future Proof. In 2021, Nadia was promoted to Team Leader. Nadia loves going on holidays with the girls every year as well as challenging herself to compete in obstacle races (without training!).
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Nadia Hazel

Customer Service Team Leader

Vicky has 25 years of administration and secretarial experience in both the public and private sectors.  She previously worked as a PA in education prior to running her own virtual assistant business.  She has also worked as a 999 call handler for the ambulance service so is calm in a crisis! Vicky was promoted to Administration Manager in 2021. Vicky is married with two teenage daughters and a springer spaniel. She is also a keen cyclist and runner.
Vicky Cope photo

Vicky Cope

Administration Manager

Kathleen has been in a customer-focused role for most of her professional career. In April 2021, Kathleen was promoted to become an Administration Manager. In her spare time, Kathleen is a keen swimmer and loves sitting down with a good book.
Kathleen moralee

Kathleen Moralee

Administration Manager

Rolo joined Future Proof in 2012. He takes his role as CMO very seriously and his main duties are to meet and greet everyone as well as helping to keep the office tidy by cleaning the floor of any food crumbs. He has a unique skill set and ensures an important level of happiness and well being is maintained. In his spare time, Rolo has two children to keep him busy, loves long walks in the countryside and has a keen interest/obsession with food.


Chief Morale Officer

Adrienn joined Future Proof in 2014, having previously worked within the industry as a commercial underwriter for Travelers Insurance Company. Being RO1, RO5 and CII certified, Adrienn has extensive knowledge of life insurance, Married with a cat called Noodles, Adrienn enjoys travelling all over, from America to Cornwall – where she partakes in a bit of bodyboarding!

Adrienn Kingsley

Senior Specialist Adviser

Mollie was made a Senior Specialist Adviser in 2020. She is the winner of the 2018 Protection Review Young Achiever of the Year Award. Mollie joined Future Proof as an Apprentice in 2014, working in our customer service team. She has progressed rapidly, being promoted to an Adviser in 2016 and expanding her knowledge every year since. Mollie holds her RO1, RO2, RO3, RO4, RO5 and RO6 qualifications. In her spare time, Mollie enjoys reading, going to the cinema and socialising with friends.
mollie new prof side view

Mollie Burdge

Senior Specialist Adviser

TJ has worked in Financial Services for over 19 years for a number of leading Protection Insurance providers. He ensures that he works on the key principle of providing high-quality clear advice. TJ’s qualifications include FPC1, FPC2, RO1 and RO5. Tejinder is married with three young children and when he’s not chauffeuring them around to various places he enjoys cycling and keeping fit!

Tejinder Thethi

Senior Adviser

Initially, Karen joined the Client Relationship team at Future Proof after returning to work from bringing up her family. Being an integral part of the team, she was promoted to Adviser after passing her RO1 and RO5 exams. Since she has been promoted to Senior Adviser. Her interests are going to the theatre, listening to opera music and spending time with her family.
Karen chambers

Karen Chambers

Senior Specialist Adviser

David previously worked in the Banking and Financial Services Industry for 32 years.  David is CeMAP, CeFA, RO1 and RO5 qualified. He spent the last 12 years of his career as a Mortgage and Protection Adviser. Father to two boys, outside of work David enjoys spending quality time with his family and playing golf.  David also has two dogs named Kenny and Clyde.
Dave Hobbs

David Hobbs

Senior Adviser

Aimee started as a Customer Service Apprentice in 2014. Since then, she has gained an NVQ in Business Administration and worked in the administrative support team for 18 months. She was appointed to Digital Business Development Coordinator in September 2017. Aimee was promoted to Protection Adviser in August 2020 after passing her RO1 and 5 exams. She has excellent customer service skills and a thorough knowledge of the industry.

Aimee Scott


Angus joined our Advisor team in June 2019 and comes from a sales background. He is looking forward to adapting his skills to be a fully-fledged IFA. Angus is RO1 and RO5 qualified. In his spare time, he rock climbs and takes care of his massive infant-like dogs, Bobby and Arlo.
Angus 4

Angus Hodge

Senior adviser

Mollie formerly completed a Sports degree at Leeds Met, joining Future Proof in August 2019 as a Client Relationship Adviser. After passing her RO1 and RO5 examinations, Molly became a Protection Adviser in 2020. Molly is a spontaneous kind of girl and in her spare time, you’ll find her in a pub or walking her dogs Dave and Roman.

Molly Higgins


Alfonso joined Future Proof’s Adviser team in February 2020. He previously worked within the medical insurance industry and in claims authorisation at a multinational medical and travel security services firm. Alfonso is RO1 and RO5 qualified. In his spare time, he enjoys going on family adventures with his wife and two daughters and travelling the world with friends and family.

Alfonso Freire


Mickey previously worked for an Aircraft Parts stockist as their Deputy Head of sales. Having worked there for 6 years, the pandemic prompted him to seek a career change. He is RO1 and RO5 qualified. In his spare time, he enjoys football and is a season ticket holder at Crystal Palace FC.  He also plays 6-a-side football every week. He loves socialising with his friends and family. Mickey is a keen runner and takes part in half marathons.

Mickey Norman


Emma joined Future Proof in October 2020 with 7 years of previous experience in financial services. Emma’s previous jobs were banking with the Halifax, annuity, equity release specialist Just Retirement and most recently VitalityInvest. Emma is CF1, FA2, ER1, RO1 and RO5 qualified. In her spare time, Emma enjoys socialising with friends, reading and Outdoor Military Fitness classes. During the recent pandemic, she has taken up crochet.

Emma Mayo


Louise has worked in Financial Services 15 years focusing on Inheritance Tax, High-Value Clients, Trusts and Financial Protection for the last 10 years. Louise is experienced in dealing with large value, complex insurance cases which involve a plethora of stakeholders and multiple members of families. Louise is RO1 and RO5 qualified. Louise is an ambassador for Insuring Women’s Futures which highlights the need for financial resilience. Alongside being a mother to her young children, Louise is a keen singer.
Louise Fairlamb

Louise Fairlamb

Senior Adviser

Martin started work in Financial Services back in the mid-’90s, initially working for Prudential and Friends Provident before moving into bank assurance, then portfolio investment advice as a level 4 qualified adviser. joining Future Proof in October 2020. Outside of work, Martin is a very keen fisherman, he loves photography, foreign travel, history, movies, collecting books and socialising with friends and family.
Martin Shephard

Martin Shephard


Paul has several years of experience within the financial services industry as an Investment Adviser and more recently as a Protection Adviser. He is a firm believer that good protection planning is fundamental in providing a solid foundation to work from with your financial goals. Paul is married with two young children which keeps him very busy when he is not working with clients!

Paul Richardson

Senior adviser

Andy joined Future Proof in April 2021. Previously, he worked as an FX Dealer for four years, advising on the FX markets for both corporate and private clients. Then at an Independent Financial Advisers as a trainee adviser where he gained his qualifications  R01, R02 and R05. Andy lives with his girlfriend in Surrey and enjoys spending his spare time walking his dog Joey and playing golf with friends.
Andy Thomas

Andy Thomas


Sue joined from Vitalitylife, previously, she had been advising in Financial Services for over 13 years. She holds R01,R02, R05, LP2 & Cemap Qualifications. She firmly believes in doing everything she can to help find the most appropriate solution for her clients. Married with a young daughter, Sue enjoys family time, socialising with friends, keeping fit, holidaying to Malta &, watching her favourite Football team.

Sue Webster

Senior adviser

James joined Future Proof in June 2021 and passed his RO1  and RO5 qualifications in record time! He began in financial services in 2008 at then working for a local mortgage & Insurance firm heading the protection side of the business. James lives in the Wirral is married and enjoys watching his football team Liverpool. He plays golf and enjoys socialising with family and friends.
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James Booth

Senior adviser

Aimee began her Protection career at the age of 18, she is RO1 and RO5 qualified. Aimee lives in the Bristol area. In her spare time, she enjoys dancing which she has done her whole life, from ballet to commercial.  She has two pet rats (Alan and Bert).
Aimee Saville

Aimee Saville

Senior adviser

Chelsie has been working as a Protection Adviser since 2019, after claiming back mis-sold PPI for almost 7 years. She is RO1 and R05 qualified. Chelsie lives on the south coast, with her partner, Callum, and Son, Luca.

Chelsie Purling


Chris has been working in financial services for 5 years and began in mortgage administration. Since September 2019, he has been working in protection advice roles. He is RO1 and RO5 qualified. Chris lives with his partner in Devon and is currently hoping to buy his own home in the new year. He owns a Bengal cross cat called Milo and is a massive football fan!
chris currie

Chris Currie

Trainee adviser

Connor joined Future Proof as a Customer service specialist. Within two years, he passed his RO1 and RO5 qualifications and now works as an Adviser. Connor is a bubbly person, keen to learn and willing to go the extra mile for his clients.

Connor Clark

Trainee adviser

Rachel has over 20 years of experience in the healthcare industry, her background includes project management, sales and customer services. She is very organised and meticulous with an eye for detail. Rachel provides Partner support, taking pride in everything that she does. Things that make her most happy are family, holidays, music, reading and eating Thai food.
rachel o

Rachel Ousey

Account Manager

With over 20 years of experience in administration, Sarah was formerly involved in the mortgage sector and joined Future Proof at its inception in 2011. She is responsible for ensuring the smooth and accurate process of applications, from point of advice to commencement of cover. “In my spare time, I love going out and about with our children, Labradors Rolo and Ralph and carrying out home improvement projects.”
sarah mead

Sarah Mead

Senior administrator

Jo joined Future Proof in 2014, having previously gained experience in administration and secretarial roles, both in London and locally. She provides administrative support for the company’s advisers. When she is not in the office, Jo can be found practising Yoga and Pilates. She also enjoys taking city breaks and likes to spend time with her family and friends.

Joanne Marshall

Adviser Support Co-ordinator

Lucy has 10 years of experience in the financial services industry, she joined the company bringing with her vast account management and administration experience. Lucy is married with a daughter and two cats. In her spare time, she enjoys spending time with her friends and family and loves reading and cooking.
Lucy G

Lucy Griffiths

Adviser support co-ordinator

Rachel has 15 years of experience in administration and customer service roles within many different areas of the Travel Industry. Rachel has explored and travelled to many countries before joining the finance sector. She lives with her husband and cat Phoebe and in her spare time, loves to travel (unsurprisingly!). She is an avid reader and is currently learning to speak Italian.
Rachel buckman

Rachel Buckman

Adviser support co-ordinator

Leonora joined the Client Relationship Adviser team in October 2020. She recently graduated from Brighton Screen and Film School with a degree in Film Production. In 2021 Leonora moved into the administration side of the business. Leonora is a creative person who enjoys watching films, painting, reading and spending time with her friends in her free time.

Leonora Hewett

Adviser support co-ordinator

James joined the Futureproof Team in May 2021 having previously worked in various support roles in London for advisers and wealth managers. A resident of Epsom, James lives with his partner David and their venus fly trap ‘Vinny’. Outside of work James enjoys keeping fit, travelling and the occasional Netflix binge.
James Pike

James Pike

Adviser support co-ordinator

Emma’s most recent position was for AIG. Emma joined Future Proof in 2022 to continue her career in protection. In her spare time, Emma likes to spend time with her two boys. She is also passionate about live music and is a regular at the Glastonbury festival as well as other well-known music events.
emma jonesa

Emma Jones

Adviser support co-ordinator

Jethro joined the advisor support Co-Ordinator team in March 2022. Previously, he worked at Legal & General for nearly 3 years working in investments and Life insurance. His aim is to be a protection adviser in the future. In his spare time, he enjoys buying and selling streetwear, spending time in London, supporting Arsenal and traveling to exotic destinations.

Jethro Escobar

Adviser support co-ordinator

Leanne joined Future Proof as a Client Relationship Adviser in 2016 where she gained an NVQ in Business Administration. In 2018, Leanne was promoted to Senior Client Services Adviser and in 2021 she joined the SJP PP team to focus on providing medical research support to the advisers. “When I’m not at work I enjoy playing the piano and looking after my 8 dogs! I also like to go on road trips”.
Leanne new

Leanne Pearson

Research Support Specialist

Having joined in January 2020, joining the customer service team, with the aim to progress and become a protection adviser in the near future. In his spare time, he likes to socialise with his friends, and go on holidays with his family and girlfriend. He plays numerous sports such as football and golf, as well as keeping fit.

Harry Grace

Customer service specialist

June has over eight years of experience working in Customer Services having previously worked in the corporate sector. She also spent 20 plus years running a family light haulage company. Out of work she enjoys spending time with her family, Children and Grandchildren. When time permits, she loves to travel.

June Miller

Customer service specialist

After graduating from University in English Literature 2 years ago Hannah spent a year and a half as a Portfolio Manager for an Estate Agents. She joined the Future Proof team to continue her passion for helping others through customer services. On weekends, she enjoys reading and spending time with her family and two rescue Pointers Macie and Marco.

Hannah Murray


Phoebe has over six years of experience in customer service previously having worked for a bank in the wealth management team. Phoebe joined Future Proof in 2022 to continue what she is passionate about and further her knowledge in Financial services. When she is not working, you’ll find Phoebe in a pub, on a scenic nature walk with my two dogs Tilly and Willow!
Phoebe weir

Phoebe Weir

Customer service specialist

Our award-winning service, why we’re different

Our team have an excellent understanding of unusual underwriting requirements. We regularly help to arrange cover for people with chronic medical conditions and unusual or high-risk occupations – in some cases, clients may have had an application rejected before coming to us.

At Future Proof, we have access to specialist insurance companies that don’t deal directly with the public. These companies offer more specialised policies, designed to provide cover where other major providers can’t.

Our research process involves us contacting many insurers to find out the best possible outcome for our clients. Which avoids any nasty shocks later on during the underwriting process.

We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK. Future Proof is committed to thorough research so that you don’t have to. What’s more, our advice comes at no obligation and with no hidden costs.  You don’t pay us directly but we get paid by the insurer if you decide to start a policy with them.

Excellent Customer Service, 6 Golden Stars.
In the hands of trees growing seedlings. Bokeh green Background Female hand holding tree on nature field grass Forest conservation concept

Future Proof customer care is for life


Customer care

Our Customer Journey