Life insurance isn’t really about policies - it’s about protecting the people you love.

Protect what matters most with clear, independent life insurance advice.

If something happened tomorrow, would your family be okay?

Life is full of uncertainty.

Most people know they should protect themselves and the people they love, but figuring out the right life insurance can feel overwhelming.

With the right cover in place, you can plan for the unexpected and create a safety net that ensures your family is financially secure, even if you’re no longer here.

Choosing the right policy doesn’t need to be complicated.

We help you put the right cover in place today - to protect what matters most.

Parent holding sleeping child at home, symbolising protecting family with life insurance

Let’s Protect Your Family

Independent, FCA-authorised advisers | Trusted by families across the UK.

Why Life Insurance Feels Confusing (and why most people put it off)

Most people know they should have life insurance. And usually, they start looking because something has changed:

You’ve bought your first home
You’ve had children
You’re earning more and people rely on you
You’ve seen a friend or family member struggle after a loss
You simply want to know your family will be okay

Then the doubts creep in:

“What if I choose the wrong cover?”
“What if I pay for years and it never pays out?”
“What if it’s too expensive?”
“What if I get sold something I don’t need?”
“What if I don’t understand the jargon and make a bad decision?”

These fears are completely normal. Every one of our clients has felt at least one of them.

But the biggest fear we hear is this:

“If something happened to me, I just want my family to be safe.”

That’s what life insurance is really about - security, reassurance, and peace of mind.
It isn’t something you buy for yourself.
It’s something you put in place for the people you love.

Clear, Calm, Independent Advice Tailored to Your Life

At Turkington Davis, our role is simple:

Give you complete clarity, zero pressure, and the right protection for your family.

You tell us what you want to protect:
➡ Your partner
➡ Your children
➡ Your home
➡ Your income
➡ Your peace of mind

We do the rest - comparing providers across the market, explaining the differences in plain English, and showing you what fits your life and your budget.

➡ No jargon.
➡ No confusing sales talk.
➡ No unneeded extras.

Just honest, independent advice so you feel confident that your family is protected.

As independent financial advisers, we’re not tied to any provider.
We look at the whole market, compare options, and explain everything simply so you can make a confident decision.

Get Peace of Mind Today

Life insurance isn’t just a policy.

It’s a promise to the people you love.

Life insurance steps in when you no longer can.

It can:

Cover the mortgage so your partner isn’t forced to move.
Replace income so your children’s lives don’t get turned upside down.
Pay for childcare or school support.
Clear debts you don’t want your family to deal with.
Provide breathing room at an emotionally overwhelming time.

And with the right structure, it can also:

Protect your business (if you’re a director)
Support your long-term wealth plan
Ensure money passes to the right people tax-efficiently

But beyond the money, here’s the truth:

**Life insurance gives your family time.

Time to grieve.
Time to adjust.
Time without financial stress hanging over them.**

That’s the real value - and why getting the right cover matters.

Your life cover should do more than tick a box.
It should support your bigger plan - your family, your home, and your long-term wealth.

Protect What Matters Most Today

Why families, homeowners & business owners trust us

Friendly independent financial adviser providing clear life insurance guidance

People come to us because they want clarity, not sales pressure. And they stay with us because they feel supported.

1. We explain everything simply

No jargon. No pressure. Just clear guidance.

2. We compare the whole market

We’re independent and FCA regulated - meaning our advice is based solely on what’s right for you.

3. We keep your family at the centre of the plan

Every recommendation starts with one question:
“Who are you trying to protect?”

Have a Quick Chat with an Adviser

Let’s make sure your family is protected - properly.

Most people only sort life insurance once in their life.
Let’s make sure it’s done right.

Tell us what you want to protect — and we’ll take care of the rest.
No pressure. No jargon. Just honest advice.

Let’s Build Your Plan Together

Your Life Insurance Options, Made Simple

Most people are surprised by how straightforward life insurance becomes once it’s explained clearly.

In reality, most people only need one of three simple options - and we’ll help you understand which one fits your situation.

1. Term Life Insurance

Covers you for a set period (e.g., 20–30 years).
Perfect for protecting:

Young families
Mortgages
Key years of income

3. Level vs Decreasing Cover

Simple difference:

Level - payout stays the same
Decreasing - payout falls as your mortgage reduces

We’ll show you which one matches your financial goals.

2. Whole of Life Insurance

Covers you indefinitely.
Useful if you want:

A guaranteed payout
A legacy for your family
Help covering final expenses

How Much Life Cover Do You Actually Need?

Most people ask this first - and worry they’ll overpay.

Here’s the simple rule:
Think about what your family would need to maintain their life if your income stopped.

We help you work it out based on:

Your mortgage
Your income
Your dependants
Your future plans
Your long-term wealth plan

It’s not about adding unnecessary cover.
It’s about making sure the people you love have stability

Extra Protection for Extra Peace of Mind

Critical Illness Cover - Pays a lump sum if you’re diagnosed with a serious illness.

Family Income Benefit - Provides ongoing monthly income for your family.

Joint, or Single Policies - Couples can choose either - we help you compare the pros and cons.

FAQs: Life Insurance

If someone relies on your income - partner, children, or mortgage lender - life insurance helps protect them if anything happened to you.
Most people base it on their mortgage + a number of years of income.
We help you work out the right amount without overspending.
Often yes - 96-97% of the time - but the terms may vary.
Independent advisers like ourselves can match you to the most sympathetic providers.
Term = covers a set period.
Whole of life = covers you forever.
We explain which one fits your goals.
Yes - many people do.
Premiums may be higher, but there are competitive options.
Not always.
Many people are surprised at how affordable it is once they choose the right type and amount of cover.
The real cost comes when you need it and don’t have it.
Joint is cheaper; separate can offer better protection.
We explain which suits your situation.
Mortgage costs, rent, childcare, school fees, debts, and ongoing household income.
It’s there to protect your family’s standard of living.
Yes - and it can help your family receive the payout faster and more tax-efficiently.
Yes.
If your life has changed (new house, new job, new baby), your policy might not be enough - or you might be overpaying.