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Share the goal and timeline we’ll come back with the quickest route forward. Confidentiality is standard.
By submitting, you agree to be contacted about your enquiry. We do not sell your data. We only share it where needed to handle your enquiry, see our Privacy Notice.
Most people only discover gaps when it’s too late: the wrong policy, the wrong structure, or assumptions that do not hold under claim conditions.
A short conversation helps you clarify what you are protecting, what could realistically happen, and what “good” looks like for your situation.
People often buy cover in fragments, renew it without review, or rely on workplace benefits that may not match their real exposure.
The result is uncertainty when it matters most not because protection is unavailable, but because it was never designed around the true risk.
Different policies solve different problems.
Select a service below to go straight to the right area and the right next step.
Life cover protects dependants and commitments if the unexpected happens.
Critical illness cover creates financial breathing room after a serious diagnosis.
Income protection helps replace earnings if you cannot work due to illness or injury.
Private medical cover supports faster access and broader treatment options.
Mortgage protection helps protect repayments if life or health changes suddenly.
Key person protection helps a business survive the loss or absence of a critical individual.
Ownership protection helps keep control stable if an owner dies or becomes critically ill.
Overheads cover helps protect fixed costs if the owner cannot work.
Debt and loan protection helps prevent repayments becoming the pressure point.
Group protection supports employees and reduces disruption during long-term absence.
Employee benefits improve retention, resilience, and workforce wellbeing.
Commercial insurance helps protect operations, liability, assets, and continuity.
Most clients come to us wanting one thing: to know their family and commitments would still be protected if the worst happened.
We support Level Term Life, Decreasing Term (often used for mortgages), Joint Life arrangements, Family Income Benefit, Whole of Life where appropriate, and Relevant Life for company directors and key employees who want a tax-efficient structure through the business.
We also help structure beneficiaries and trusts so the policy works exactly as intended.
Critical illness cover is often chosen for peace of mind, but it only delivers that peace of mind when the definitions and structure match the reality of recovery.
We help with standalone critical illness, combined Life + Critical Illness policies, children’s options where relevant, enhanced definitions, and we structure benefit levels so the payout genuinely reduces pressure during treatment and time off.
Income protection is where clarity matters most, because the small details decide whether the cover feels useful in real life.
We help with short-term and long-term income protection, deferred period and benefit period selection (including cover to retirement), indexation options, and structuring for directors, contractors, and self-employed clients so the plan fits how you actually earn.
What you get with us
Private medical becomes valuable when it is built around what you want access to, how you want to use it, and what you expect it to cover.
We help with individual and family private medical insurance, corporate medical options, outpatient and inpatient structuring, excess planning, hospital list choices, referral pathways, and practical add-ons such as mental health, dental, optical, and therapies where appropriate.
Mortgage protection is about keeping the home secure even when life changes suddenly.
We help structure life cover aligned to the mortgage term, critical illness linked to mortgage exposure, income protection to support monthly payments, decreasing-term designs, and joint or single arrangements and we review the plan whenever you refinance, move home, or borrow more.
What you get with us
Key person protection is designed to keep a business stable if one critical individual is lost or becomes seriously ill, especially where revenue, delivery, or confidence depends on them.
We support key person life cover, key person critical illness where suitable, profit and revenue-linked benefit design, replacement cost planning, and lender-aligned structures where required, so continuity is protected and disruption is reduced.
Ownership protection is about preventing uncertainty and disputes if an owner dies or becomes critically ill, while keeping control clean and fair.
We help with shareholder protection and partnership protection, life and critical illness triggers where suitable, and alignment with the relevant ownership agreements so funding is available at the moment it is needed and decisions do not stall.
Business overheads protection is built for one common risk: fixed costs that keep running even when the owner cannot.
We help structure cover around rent, utilities, key salaries, and essential operating costs.
We align it to realistic recovery timeframes so the business stays stable without draining reserves.
Debt and loan protection is about making sure borrowing does not become the pressure point after a life or health event.
We help with personal debt protection, business loan protection, life and critical illness linked repayment cover, and planning around director guarantees where relevant, so repayments remain manageable and decisions stay controlled.
Group protection works best when it is designed as a cohesive package that supports employees and reduces operational disruption for the employer.
We help with group life (death in service), group income protection, group private medical, group critical illness options where relevant, and supporting benefits such as health cash plans and EAP then we help you communicate it clearly so employees actually value and use it.
Employee benefits become a competitive advantage when they are built around what employees genuinely value and what the business needs to retain performance.
We help shape benefits strategy, select the right mix of protection and medical benefits, strengthen wellbeing support, improve take-up through clear communication, and keep everything controlled through an annual review cycle that stays aligned as the business grows.
Commercial insurance should not feel like a checkbox it should feel like operational confidence.
We help with Professional Indemnity (PI), Public and Employers’ Liability, Directors & Officers (D&O) and Management Liability, Cyber Liability, Property/Contents/Stock, Business Interruption, Product Liability, Trade Credit Insurance, and Contract Works so your cover matches the way you trade, the contracts you sign, and the risks you actually face.
Life cover is supposed to remove financial fear.
But many people only discover the gap when it is too late to fix.
UK insurers pay billions in protection claims every year, which proves one thing: protection works.
The real risk is having the wrong amount, the wrong term, or the wrong structure when your family needs it most.
Most people think sickness is short-term.
But bills do not pause just because income stops.
Income protection exists because this is one of the most common ways households fall into financial pressure.
When it is structured properly, the majority of valid claims are paid yet many still rely on savings and hope.
Many businesses are stronger than they think until one critical person is removed.
Then cashflow tightens, performance drops, and confidence collapses fast.
This is one of the most stressful risks in founder-led and SME businesses because it hits revenue, delivery, and credibility at the same time.
Key Person and Shareholder protection exist to keep control when life does not go to plan.
Most people benefit from understanding what each policy is designed to solve.
Life cover protects dependants if you die, critical illness supports a serious diagnosis, and income protection supports your earnings if you cannot work.
We help you match cover to your real risk and responsibilities.
Cover should reflect real commitments, not guesswork.
We calculate sensible ranges based on liabilities, dependants, income needs, business obligations, and time horizon, so you pay for protection that does a job.
Claims are usually declined because of non-disclosure, exclusions, or policy mismatch.
We focus on correct structuring, clean disclosures, and clarity on definitions, so the policy behaves as expected when it is needed.
Underwriting is simply the process of assessing risk using health and lifestyle information.
Medical history does not always prevent cover, but it can affect price or terms.
We help you approach the process properly and avoid common mistakes that slow decisions.
It is the time you wait before the policy begins paying.
Choosing the right deferred period is one of the biggest drivers of cost and practicality.
We help you select a structure that fits your cash reserves and sick pay reality.
Workplace cover can be valuable, but it may be limited, change with employment, or not match your full exposure.
We compare what you have to what you need, so you are not relying on assumptions.
They solve different business risks.
Key Person protects cashflow and continuity if a critical individual is lost, shareholder protection supports ownership stability if a shareholder dies or becomes critically ill, and debt protection helps manage repayments if health or life changes.
The cover is designed to create funding at the moment it is needed, so shares can be handled without panic decisions.
We help align the protection with agreements and intentions, so the plan works cleanly and fairly.
Private medical is designed for treatment access, not every scenario.
Exclusions can include pre-existing conditions and certain chronic situations depending on structure.
We explain what is typically included, what is not, and what to expect before you commit.
Before the pressure arrives.
Protection is easiest and often more cost-effective when health is stable and there is time to structure it properly.
Waiting typically reduces options and increases friction.
If you want the right cover in place without guesswork, tell us what you are protecting and keep it simple. A senior advisor will respond promptly and discreetly.
By submitting, you agree to be contacted about your enquiry. We do not sell your data. We only share it where needed to handle your enquiry, see our Privacy Notice.
© 2026 Butterfly Advisory. All rights reserved. Butterfly Advisory is a trading style of Butterfly International Ltd. Registered office: Cardinal Point, Park Road, Rickmansworth, Hertfordshire, WD3 1RE, United Kingdom. Company No. 15773674. ICO registration: ZB928567. Regulatory information and fee disclosures are available in Trust & Legal.
