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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>

8:02 pm (46 minutes ago)
Carillion held rescue talks with the government since October in a bid to stave off collapse, says boss.
12:05 pm (9 hours ago)
The supermarket giant drops the value of some of its rewards and raises some of the others.
3:42 pm (5 hours ago)
Drivers who do not take a long enough break will not be able to log in to the app and take trips.
11:30 am (9 hours ago)
The rate fell from November's six-year high of 3.1% mainly because of the impact of air fares.
2:04 pm (7 hours ago)
The world's biggest restaurant chain says all its packaging will be from sustainable sources by 2025.
12:56 pm (8 hours ago)
UK peer Lord Hain accuses Hogan Lovells of failing to properly probe corruption at South Africa's tax agency.
2:06 pm (7 hours ago)
Welsh Government has bought a 3% stake in the firm ahead of production starting in Ebbw Vale.
7:21 pm (an hour ago)
The money is linked to a corruption-plagued consultancy deal involving state power company, Eskom.
12:12 pm (9 hours ago)
More than 200 people report seeing fraudulent charges following a purchase via the OnePlus site.
8:45 am (12 hours ago)
More than a million fire-risk dryers are still being used in UK homes, a committee of MPs says.
12:26 pm (8 hours ago)
Companies are focusing on pickup trucks and SUVs to try to counter flagging US sales.
11:51 am (9 hours ago)
The region saw the biggest price growth in the year to November, with London recording the slowest.
12:18 am (20 hours ago)
A quarter of very low-income households have high debt repayments or are behind on bills or repayments.
Yesterday, 12:52 pm
The European planemaker says it will stop making its giant A380 jet if it does not get any more orders.
4:16 pm (5 hours ago)
Faulty tumble dryers which can catch fire are still widely used in the UK, a committee of MPs warns.
Yesterday, 7:09 pm
Britain's second biggest construction company has collapsed. What does it mean for the projects it worked on, and the schools and hospitals it worked for?
Yesterday 11:04 pm (22 hours ago)
Airbus has said it will stop making its superjumbo if it does not get any more orders.
Yesterday, 6:59 pm
Pick-ups are the king of US cars, and with low gas prices they're likely to retain that crown.
Yesterday, 12:02 am
"You can run a football club and still wear a dress," says Carolyn Radford, the CEO of Mansfield Town FC.
Yesterday, 4:04 am
Ride-hailing apps like Uber and Grab price journeys higher when demand spikes. But can you get around it?
Friday, January 12th, 12:13 am
The BBC's Aaron Heslehurst explains how Teflon became a million dollar idea.
Friday, January 12th, 2:21 pm
Will Zimbabwe's President Emmerson Mnangagwa be able to deliver new homes to low income earners?
4:13 pm (5 hours ago)
The mother of a child model caught up in an H&M racism row says her family has had to move house.
2:18 pm (7 hours ago)
Just Eat says its "appalled" at its initial response to a customer who complained about messages from a delivery driver.
5:27 pm (3 hours ago)
Carillion's collapse throws the future of its big UK building projects and those that work on them into doubt.
11:36 am (9 hours ago)
This year's Detroit car show sees new US investments, a Chinese challenger, nostalgia and fashionable headlights.
12:20 am (20 hours ago)
Cyber insurance is growing fast as businesses lose billions to hackers.
Yesterday, 3:16 pm
How the collapse of Carillion has affected those who worked with and for the company.
Yesterday, 11:54 am
The Detroit motor show is a major industry event, but technological advances are changing the traditional order.
Yesterday, 9:52 am
The construction firm is to be liquidated after its huge financial troubles finally overwhelmed it.
Yesterday, 12:00 am
How a UK expat introduced Americans to the joys of traditional British desserts, such as sticky toffee pudding.
Sunday, January 14th, 12:47 am
Women say they are being groped at events, abused on social media and belittled in their jobs.
Saturday, January 13th, 12:33 am
John Cronin and his father, Mark, explain how they've grown their colourful socks business.
Sunday, January 14th, 12:25 am
How the UK's big retailers are trying to reduce the amount of avoidable plastic waste they produce.
Friday, January 12th, 12:04 am
With water usage and droughts across the globe rising, the race is on to manage water more efficiently.
Thursday, January 11th, 5:24 pm
A "revolution" in our financial lives will begin next month, but what is it and how will it work?
Thursday, January 11th, 12:04 am
Of all the questions hanging over world trade in 2018, none loom larger than Donald Trump's attitude to it.
Wednesday, January 10th, 4:47 pm
Business will no longer be able to charge customers for paying by card, so what does this mean for prices?
Wednesday, January 10th, 12:29 am
How young Australian entrepreneur Melanie Perkins set up and grew popular design website Canva.
Thursday, January 11th, 12:09 am
Basketball rivals the Boston Celtics and Philadelphia 76ers are in the UK to boost the NBA's global presence.
Monday, January 8th, 5:59 pm
Carrie Gracie's resignation at the BBC got us wondering how widespread the problem is in the UK.


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