Complete the form
Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.
FCA regulated · Ref 922009
What you've built should stay in your family.
Life cover, income protection and inheritance tax planning that's legal, simpler than you think, and explained without jargon. A free callback shows you where you stand.
- Fast quote
- No obligation
- Expert brokers
- Secure site
Most families never hear about this until it's too late. Fixing it is simpler, and cheaper, than you think.
- Authorised & regulated by the FCA · Ref 922009
- Whole of market
- No cost to you
- No obligation to proceed
The process
How it works
Okay, you're here now. You've probably got a few questions before you get in touch, so here's exactly what happens when you request the callback that keeps it in the family.
Receive a callback
A specialist broker will call you back to discuss your requirements and answer any questions you may have.
Compare your options
The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.
Keep it in the family
Once you're happy, we handle the paperwork and get your policy live, often within days. What you've built stays exactly where you intended it to.
What we cover
cover built to stay in the family
Life Insurance
A lump sum is paid to your loved ones if you pass away during the policy term, giving them financial security when they need it most.
Family Income Benefit
Instead of a one-off lump sum, this policy pays your beneficiaries a regular, tax-free monthly income if you pass away during the policy term.
Critical Illness Cover
Pays a tax-free, lump-sum cash benefit upon the diagnosis of a specific, severe medical condition such as cancer, a heart attack, or a stroke.
Income Protection
A long-term safety net that pays a regular, tax-free monthly income if you are unable to work due to a severe illness or injury. It typically replaces up to 60% of your gross salary.
Whole of Life
A permanent policy that covers you for your entire lifetime and guarantees a payout to your beneficiaries whenever you pass away, provided your premiums are kept up to date. Often used so an expected inheritance tax bill is already taken care of.
Private Medical Insurance
Covers the cost of private medical care, including diagnostic tests, private GP appointments, specialist consultations, and treatments in private hospitals.
Client stories
the families we've sorted
Real conversations, real cover, no hard sell. Here's how that plays out.
★★★★★
"I honestly thought inheritance tax was for millionaires. Our adviser walked us through the numbers on one call, and the house alone put us over the line. Now there's a plan in place and the kids won't be handing anything to HMRC."
★★★★★
"As a self-employed single earner, I'd put income protection off for years. It took one callback and about twenty minutes to get sorted."
★★★★★
"We just wanted to know the mortgage would be paid if anything happened to either of us. Sorted in a week."
★★★★★
"Dad spent thirty years paying that house off. The idea of losing a chunk of it to tax never sat right. Cutting Edge showed us the legal way to plan around it, and it cost far less than we expected. Should have done it years ago."
Watch: how one call sorted the whole thing.
About us
not your typical broker
why we exist
At Cutting Edge, our Protection Team is driven by one core mission: to make sure what you've built stays with the people you built it for, not just process your policy. We are a team of compassionate and knowledgeable protection specialists, ensuring every client is protected from foreseeable financial harm.
our approach
When you speak with us, you can expect a safe, judgment-free space grounded in compassion. Our approach is holistic and completely different from a hard sale. We introduce protection not as an add-on or afterthought, but as essential for your peace of mind. We avoid confusing industry jargon and scaremongering.
what to expect
Instead, we have conversations focused on:
- Your most immediate concerns.
- Your specific circumstances, and how long your savings would last if you or your partner couldn't work.
FAQs
the stuff people usually ask
No jargon. No pressure. Just straight answers.
No, all quotes and any discussions with your advisor are totally free. We are paid commission from the providers at no extra cost to you.
We are whole of market so we can approach all insurance providers to get the best cover that suits your needs.
The online form takes about 60 seconds. A broker will then call you to discuss your options and can usually provide quotes within an hour.
No. Getting a quote is completely no-obligation. You are free to compare quotes and decide if the insurance is right for you without any pressure.
Yes. Cutting Edge Mortgages LTD is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 922009. You can check this on the FCA Register.
Yes. If your home and savings could push your estate over the inheritance tax threshold, there are legal, well-established ways to plan for it, including whole-of-life cover that takes care of an expected bill so your family doesn't have to. A free callback will show you where you stand.
One of our protection specialists will give you a call to understand your situation and what you'd like to cover. There's no script and no hard sell, just a straight conversation. If you'd rather speak to someone now, call us on 01289 388 736.
Get started
Let's find out what stays in the family.
A free, no-obligation callback with a protection specialist. If there's nothing to fix, we'll tell you. If there is, you'll see exactly how simple sorting it can be.
Or call 01289 388 736