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Life and Health Insurance

Life and Health Insurance

Protecting your finances, in case of premature death or illness, lies at the heart of sensible financial planning. None of us know what the future holds and so it is important to protect our well-being. After a careful appraisal of your circumstances, our advisers will assess your needs and in following their plan you should be protected from financial vulnerability in case of the unforeseen.

Through our sister company, Backhouse Independent Financial Services Ltd, our independent financial advisers will tailor a package to meet your demands, whether protecting your personal needs or those of your business interests.

Please contact us for friendly and professional advice on:-


  • Life Assurance

  • Mortgage  Protection

  • Critical Illness Insurance

  • Permanent Health Insurance

  • Private Medical Insurance


  • Key Person life assurance

  • Key Person Critical Illness

  • Permanent Health Insurance

  • Private Medical Insurance

  • Shareholder Protection

For more information please contact Martin Edwards on 01282 677776

To view our Private Client Brochure please click here>

12:01 am (9 hours ago)
The cost of petrol and diesel is at the highest level for three-and-a-half years.
8:15 am (29 minutes ago)
The supermarket says ditching the labels will help avoid "perfectly edible food" being thrown away.
12:02 am (9 hours ago)
Banks sent 512 mobile alerts last year as our money management moves from spreadsheets to smartphones.
8:12 am (32 minutes ago)
The deal gives the Japanese firm more than two million songs by artists including Queen and Alicia Keys.
Yesterday 5:14 pm (15 hours ago)
The FTSE 100 index closed more than 1% up at 7,864.34, comfortably above its previous high point on 17 May.
Yesterday 7:42 pm (13 hours ago)
An initial government review has not raised any public interest concerns about Comcast's bid for Sky.
Yesterday 9:16 pm (11 hours ago)
The top US diplomat sets out new demands to Iran, which says the US is reverting to old "delusions".
Yesterday 5:55 pm (15 hours ago)
The power couple "will produce a diverse mix of content" for the streaming service.
Yesterday 9:13 am (24 hours ago)
The Irish airline reports a 10% rise in annual profits but warns that costs are set to rise.
Yesterday 1:17 pm (19 hours ago)
Potentially serious charges against Barclays Bank and its owner are dismissed.
Yesterday 12:55 pm (20 hours ago)
Kenny Wilson, credited with expanding Cath Kidston's overseas business, is to join Dr Martens.
Yesterday, 12:58 am
The City is being used as "a base for the corrupt assets" of President Putin's allies, MPs claim.
Yesterday, 12:08 am
The salary of Mike Betts - who runs the disabled car scheme - has grown by 78% since 2008.
Yesterday, 12:07 am
An industry expert says petrol and diesel cars should be banned by 2030 or 2035, not 2040.
12:02 am (9 hours ago)
Corrine Mensah was recently crowned Ms Curvaceous UK 2018.
Yesterday, 8:09 am
Liv Garfield, winner of the Businesswoman of the Year award, shares her CEO Secrets.
Friday, May 18th, 11:09 am
The BBC's Aaron Heslehurst tells us how the video game became a million dollar idea.
Friday, May 18th, 12:07 pm
Errol April is a soldier-turned-apple farmer who believes in redistributing land in South Africa.
Friday, May 18th, 12:09 am
Argentina has had to ask the IMF for help again. This has brought bad memories of previous crises to the citizens of Buenos Aires.
Friday, May 18th, 11:49 am
Former professional skateboarder Kent Lingeveldt has turned his sport into a business.
Thursday, May 17th, 11:12 am
Mothers at a shopping centre in Greenwich in London say other stores are better at catering for young children.
Wednesday, May 16th, 3:44 pm
After five million tumble dryers made by Whirlpool were identified as a fire risk, the company started fixing them. But some users claim their fixed dryers have caught fire.
12:05 am (9 hours ago)
Drivers may be confusing autonomous cars with driver assistance technology, with sometimes fatal consequences.
Yesterday, 12:16 am
The language classes multi-millionaire who started out in business doing telesales via a public phone at an airport.
Yesterday, 12:19 am
Washington is worried about Chinese investors. Is the rest of America?
Friday, May 18th, 12:22 am
New apps are bringing a greater range of services and features to the vital flows of money to families around the world
Friday, May 18th, 12:14 am
A high-tech solution being tested in Iceland gets rid of waste carbon dioxide by pumping it 1,000m underground.
Thursday, May 17th, 12:00 am
Worried Texan businesses call on Trump not to walk away from the free trade agreement between the US, Mexico and Canada.
Wednesday, May 16th, 12:09 am
Farc guerillas have returned home, but they are often illiterate and unemployed and in urgent need of new skills for jobs.
Tuesday, May 15th, 12:12 am
Dockless bike tech has massively boosted bike-sharing. Is it the future of two-wheeled transport?
Monday, May 14th, 12:10 am
How one couple overcame arson threats to build a restaurant business.
Tuesday, May 15th, 8:42 am
As the US and China prepare for key trade talks, the BBC's Taiwan correspondent Cindy Sui says that history helps to explain the Chinese viewpoint.
Sunday, May 13th, 2:00 am
Spain's sparkling wine, cava, has a problem as it is seen as a cheap drink, say its producers who're seeking to rebrand their fizz.
Saturday, May 12th, 3:06 am
Ahead of new rules for fixed-odds betting machines, four people outline the pros and cons.
Friday, May 11th, 12:17 am
Digital advertising funds the internet but the industry is in crisis, many observers believe.
Friday, May 11th, 12:08 am
Seeds of hope; one social entrepreneur is using specially-coated tree seeds to restore Kenya’s lost forests.
Friday, May 11th, 12:05 am
Home ownership in the UK has declined – but how much more are we spending on rent?
Thursday, May 10th, 12:02 am
The global arms trade is now worth $100bn annually, with the US increasingly dominant as the world's top arms exporter.
Wednesday, May 9th, 12:04 am
From jewellery to bags, coats and dresses, the fashion industry is following Meghan Markle's every move
Wednesday, May 9th, 12:03 am
London has overtaken Paris and Montreal for the title of best student city, despite being so expensive.
Tuesday, May 8th, 9:53 pm
A report proposes giving 25-year-olds £10,000 and you've told us what you would do with that money.
Tuesday, May 8th, 12:23 am
As demand for natural gas continues to surge, huge extraction vessels are about to go into action.
Tuesday, May 8th, 4:05 am
Can supermarkets compete with each other on price in local areas?
Sunday, May 6th, 12:48 am
HSBC, Halifax and Metro have all accidentally locked out blind customers by upgrading their bank websites
Saturday, May 5th, 1:19 am
Volkswagen's diesel emissions scandal went to "very top" of the firm, allege US prosecutors.


An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.


New UK Legislation enabling the HSE to charge a Fee for Intervention (FFI)

What is FFI? 

Increased squatters risk in commercial properties
From 1st September squatting in residential buildings in England and Wales became a criminal offence


At present we are all seeing many articles and commentaries in the press and TV regarding the price of gold, silver and diamonds on a seemingly upward trend in cost.This is very true as you can see from the attached graph showing gold and silver over a two year period.


The cost of heating oil has increased significantly recently, resulting in more thefts of oil from both domestic and commercial properties.

The first indication that a theft has taken place is often when the heating stops working.


Rate reductions are still possible for clients for property and liability insurance.  Abundant capacity and competition between Insurers are preventing increases, other than where there has been poor claims experience on individual accounts or within specific sectors.


The first Corporate Manslaughter Prosecution has been successful in the United Kingdom.

It is more important than ever to ensure that your Managers, Directors, Officers as well as the Company have cover in place to protect them.


From 2011 if your vehicle is not registered on the MID and has not been declared as 'Off-Road' you will receive a letter warning you that you could face a fine, prosecution as well as your vehicle being clamped, seized or ultimately destroyed.


With effect from 1st April 2011 the Employers' liability Tracing Office (ELTO) will be introduced.

The purpose of the ELTO is to assist the insurance industry in meeting its obligations to help those who have suffered injury or disease in the workplace identify the relevant insurer quickly and efficiently.

We have since 2008 used Backhouse to place all our insurance risks, their unique approach to our tender process was one of the major factors behind placing out trust in Backhouse. They took the trouble to research our business carefully and brought to our attention areas of cover that had never been considered before.

Paul Reyner, Fagan and Whalley