Awards – we’ve been lucky enough to have won several industry awards and we’d like to think that they endorse our ethical approach. Our awards

Advisers – first and foremost, we are advisers, not salespeople, and our ethos is to treat every customer as we would a member of our own family. You and your family come first and are at the heart of any advice we give.

Honesty – if we can’t obtain better cover to fit your circumstances, whether on price or in benefits we will always advise you to keep your existing cover in place.

Experience – our advisers spend two months training and must become RO1 and RO5 qualified before they speak to clients. Our experience is second to none, and we have published over 400 blogs about real-life case studies relating to numerous health conditions, occupations, and hobbies. We also provide up-to-date information and advice about the protection industry.

Knowledge of the marketplace – we understand how difficult it can be to find suitable cover if you have a pre-existing medical condition, regularly take part in dangerous sports or pastimes, frequently travel overseas, or have a hazardous occupation. We have found policies for clients who have a wide range of conditions, even those who believed that they were uninsurable.

Committed to protecting – if you decide to leave our services, we will offer to check your policy documents to ensure your new cover is fit for purpose. Whilst very few people leave our services (we have kept 96% of our clients since we started trading in 2011), we have found that our policy-checking service has resulted in us helping clients who have been cold-called.

Why we’re different

We aim to treat every client as though they are members of our family.

This means our whole approach will be respectful, polite, and courteous. Any advice we provide will be as though it was to our own family.

We will always endeavour to help identify your needs and provide you with appropriate, friendly, and straightforward advice, in plain English and without using jargon.

Future Proof was established in October 2011. We provide expert advice on Income Protection InsuranceCritical Illness InsuranceLife Insurance, and Gift Inter Vivos Insurance. We also provide advice on Business Protection Insurance and Key Person Insurance. We have helped thousands of individuals, families, and businesses arrange the cover they need.

We are extremely proud to have won many awards for the advice and service which we provide. We like to think that this recognition underpins our commitment to providing the best level of service we can achieve and placing our clients at the heart of everything we do. To read more about the Awards that we have won click HERE

Our team has 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. We regularly write case studies on our blog illustrating how we have helped people with challenging situations to arrange cover.

Since our inception, we have arranged in excess of £6.2 billion of insurance cover for our clients. We have used 21 insurance companies including;  AIG Life, Aviva, British Friendly, Cirencester Friendly, Guardian, Legal & General, LV=, Shepherds Friendly, Royal London, Scottish Widows, Vitality Life, and Zurich to name a few.

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. Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such sites. The existence of a link to another website does not imply or express endorsement of its provider, products, or services by us or St. James’s Place. Please note that clicking a link will open the external website in a new window or tab.

Some people have discovered that their new policy documents or application forms contain significant errors, where another broker has played down a health condition, or worst case, it has not been disclosed to the insurer at all and could have resulted in non-payment of a claim. In one case, only one person out of two has been covered when the application was for a joint policy. What matters to us, is that you are protected – we are your safety net.

Trusts – can be put in place at no additional cost to you. We are happy to provide the relevant forms and assist you in completing them if required. Trusts are not regulated by the Financial Conduct Authority.

Respected – David our founder is a member of the Protection Distributors Group PDG which consists of ten protection advice and broker firms from the insurance industry. Their aim is to help families find the protection they need by encouraging insurers and intermediaries to deliver better consumer outcomes. Their objective is to provide a voice for the sector and improve products and services for clients – one of their significant achievements was to instigate the funeral pledge which called for insurers to do more to help bereaved families, by paying up to £5,000 towards the cost of a funeral if the full policy claim was likely to be delayed.

What can I expect? – we research the best protection providers on the market and use them to find a product that meets your needs. Your dedicated adviser will assist you with submitting your application and provide full support throughout the application process. As mentioned, we are advisers, not salespeople, and our advice comes with absolutely no obligation or hard sell. The decision to proceed is entirely yours and you will be guided through the whole process at your pace. We are big fans of using plain language not jargon, and endeavour to make obtaining insurance as easy as possible to understand.

Reviews – please look at our reviews on the independent website, Don’t just take our word for it – 100% of reviewers have said that they would recommend our services, plus we scored 4.9 out of 5 stars! (June 2024).

How do we get paid? – we get paid a commission by the insurance company if you decide to take out a policy – you do not pay us directly. We will provide you with a quotation from the insurer, which will detail exactly how much you will pay for your cover and how much commission we will receive from the insurer.

St. James’s Place Guarantee* – being part of St. James’s Place Wealth Management provides you with a valuable benefit. St. James’s Place guarantees the suitability of advice given by us when recommending any of the wealth management products and services available from companies in the Group. More details are set out on the Group’s website at
*For policies started post-Future Proof’s acquisition by St. James’s Place on 11th November 2018.