Independent Life Insurance Advice
The Right Cover, From the Whole Market
At Tabard Capital Solutions, we help individuals, families, and business owners find life insurance that genuinely fits their needs. As independent brokers with access to the whole of market, we compare policies across a wide range of UK insurers to find you the most suitable and competitive cover available.
Life insurance is one of the most important financial decisions you can make. We take the time to understand your personal circumstances before recommending anything, ensuring the cover you receive is appropriate for your situation.
We work with you from initial enquiry through to policy placement, removing the complexity so you can focus on what matters.
Whole
of market access across UK insurers
Free
FCA
Fast
Types of Cover
What Protection Insurance Can We Help With?
We advise on a range of personal and business life insurance products, tailored to your individual circumstances and budget.
Term Life Insurance
Provides a lump sum payment to your beneficiaries if you pass away within a specified term. Ideal for covering a mortgage, family income, or outstanding debts. Available as level or decreasing cover.
Whole of Life Insurance
A policy with no fixed end date that pays out whenever you die, provided premiums are maintained. Commonly used for inheritance tax planning and leaving a guaranteed financial legacy.
Critical Illness Cover
Pays a tax-free lump sum if you are diagnosed with a specified serious illness such as cancer, heart attack, or stroke. Can be taken as a standalone policy or combined with life insurance.
Income Protection
Replaces a proportion of your income if you are unable to work due to illness or injury. Policies pay out until you return to work, retire, or the policy term ends.
Joint Life Insurance
A single policy covering two people, typically couples or business partners. Pays out on the first death during the policy term. Often used to protect a mortgage or shared financial commitments.
Why Choose Us
The Benefits of Independent Advice
Going direct to a single insurer means you only see one set of options. As a whole-of-market broker, we search across providers to find cover that is genuinely suited to your needs, health profile, and budget.
Access to a wide panel of UK insurers, not limited to one provider.
Impartial, independent advice focused entirely on your circumstances.
Guidance on policy terms, exclusions, and underwriting requirements before you commit.
Support for pre-existing health conditions, which can affect policy eligibility and premiums.
Help placing your policy in trust, to ensure the benefit reaches your family quickly and without probate delays.
Ongoing support throughout the life of your policy.
How It Works
Our Simple Process
Frequently Asked Questions
Answers to the questions we hear most often about life insurance in the UK.
What is life insurance?
Life insurance is a contract between you and an insurer. If you pass away during the policy term, the insurer pays a lump sum or income to your nominated beneficiaries. It provides financial security for those who depend on you.
Do I need life insurance?
If you have dependants, a mortgage, or people who rely on your income, life insurance can provide essential protection. The right level of cover depends entirely on your personal and financial circumstances.
How much does life insurance cost?
Premiums depend on your age, health, lifestyle, the sum assured, and the policy type. A broker can search the whole market to find competitive options for your specific situation. Younger and healthier applicants typically qualify for lower premiums.
Can I get coverage with a pre-existing condition?
Yes, in many cases. Some insurers specialise in non-standard risk. Depending on the condition, cover may be available at standard rates, with a premium loading, or with certain exclusions applied. We will advise you on the most suitable options.
What is a trust, and should I use one?
Placing your life insurance policy in trust means the benefit is paid directly to your chosen beneficiaries, rather than forming part of your estate. This can avoid probate delays and may reduce inheritance tax liability. We can help you understand whether a trust is appropriate.
What is the difference between life insurance and critical illness cover?
Life insurance pays out on death. Critical illness cover pays out on diagnosis of a specified serious illness. Many people choose to combine both within a single policy to provide comprehensive protection for themselves and their family.
Why Choose Tabard Capital Solutions?
At Tabard Capital Solutions, we pride ourselves on our deep expertise and knowledge in the commercial finance industry. With years of experience and a team of seasoned professionals, we have the know-how to navigate complex financial landscapes and provide you with the best possible solutions tailored to your needs.
Personalised Service
Every financial situation is different. We listen carefully to your needs and recommend cover that is genuinely appropriate for your circumstances, not a one-size-fits-all solution.
Hassle-Free Process
We manage the process from start to finish. From searching the market to submitting your application and handling underwriting, we take care of the detail so you do not have to.
Transparent and Honest Approach
We provide clear, straightforward advice with no jargon. You will always understand what you are buying, what it costs, and what is and is not covered before you commit to anything.