LIFE INSURANCE BROKER IN DERBY
Life Insurance Broker in Derby: Protect Your Family, Income and Business
We are a Derby protection broker on Friar Gate. We help families, homeowners, the self-employed and business owners across Derby and Derbyshire choose the right life insurance, critical illness cover and income protection. We compare leading UK insurers and explain the differences in plain English.
No fee for protection advice · CeMAP-qualified adviser · Leading UK insurers compared
119A Friar Gate, Derby, DE1 1EX · 01332 470 400 · Monday to Friday, 9am to 5pm
Why use a Derby protection broker?
Buying life insurance online looks quick, but you are left to choose the amount, the term and the type of cover on your own, and to answer the health questions without help. Get those wrong and the policy may not pay out the way you expected. We work out what you actually need, starting from what your employer and the state would provide, compare insurers whose terms fit you, and help you complete the application accurately. Because we also arrange mortgages, we make sure your cover matches your mortgage balance, term and repayment type.
Talk through the cover you need
There is no fee for our protection advice. We compare cover from leading UK insurers and we are paid by the insurer you choose.
Protection we arrange in Derby
Who we help
Homeowners and families. If people rely on your income, we look at how your mortgage and household bills would be paid if you died, became seriously ill or could not work.
The self-employed. You get no sick pay if you are self-employed, so income protection is often the most important cover of all.
Derby business owners and company directors. Relevant life cover, key person insurance and shareholder protection can protect your family and your business, and are often paid for by the company.
Not sure where to start? Our complete protection guide explains every type of cover and includes a calculator to estimate how much cover you need.
A recent case
£250,000 of level term cover, written in trust. A client wanted a lump sum that would go towards her mortgage and outstanding bills if anything happened to her. We arranged a level term life insurance policy for £250,000, so the cover stays the same for the whole term. She put the policy in trust with her brother as trustee, so the payout can go where she intended without waiting for probate.
Shared with no personal details. Every case is different and cover depends on the insurer's terms.
Areas we cover around Derby
We regularly help clients in Derby city centre, Allestree, Mickleover, Littleover, Chellaston, Spondon, Oakwood, Darley Abbey, Duffield, Belper, Ripley, Long Eaton, Ilkeston, Heanor, Ashbourne, Burton upon Trent, Alvaston, Chaddesden and across Derbyshire, as well as clients right across the UK.
How it works
- Free protection review. By phone, video or at our Friar Gate office. We look at your family, income, mortgage, debts and any cover you already have.
- What you need. We work out how much cover makes sense and which types fit, starting from what your employer and the state would provide.
- Insurers compared. We compare leading UK insurers on price and on what the policy actually covers.
- Application. We help you complete the application and health questions accurately, and set up a trust where appropriate.
- Reviews. We review your cover when you move, remortgage or your family changes.
What affects the cost of cover
The price of life insurance and critical illness cover depends mainly on your age, health, whether you smoke, the amount of cover and how long it lasts. Income protection also depends on your job, how much of your income you insure and how long you wait before payments start. We compare insurers so you can see the options side by side before you decide.
How we are paid
There is no fee for our protection advice. We are paid by commission from the insurer you choose. If we are arranging your mortgage, protection advice is included at no extra cost.
Buying, moving or remortgaging in Derby?
The best time to review your protection is when your mortgage changes. Our Derby mortgage broker team can arrange your mortgage and your cover together, so the two match.
Derby Life Insurance FAQs
Do you charge a fee for protection advice?
No. There is no fee for our protection advice. We are paid by commission from the insurer you choose. If we are arranging your mortgage, protection advice is included at no extra cost.
Where is your office?
Our office is at 119A Friar Gate, Derby, DE1 1EX. You can meet us there by appointment, or speak to us by phone or video. We also advise clients across the UK.
Why use a broker instead of buying life insurance online?
Buying online usually means you choose the cover and answer the health questions on your own. We help you work out how much cover you need, compare insurers, explain the differences in what they cover, and help you complete the application accurately so the policy is right from the start.
Which insurers do you compare?
We compare cover from insurers including Aviva, Legal & General, Royal London, Vitality, Scottish Widows, LV=, Zurich, The Exeter and Holloway Friendly.
Can I get cover if I have a health condition?
Often, yes. Insurers look at health conditions differently, so we look at which insurers are likely to view your circumstances most fairly before you apply. Cover and price depend on the insurer and the information you give.
Do I have to take out life insurance with my mortgage?
Usually not. Most lenders do not insist on it, but if you have a mortgage and people who rely on your income, it is worth reviewing how the mortgage would be repaid if you died or became seriously ill.
Should my life insurance be written in trust?
For many people, yes. A trust can help the payout reach the right people sooner and may keep it outside your estate for inheritance tax. We can help you set up a trust with your policy where appropriate.
Can you help my business?
Yes. We arrange key person insurance, shareholder protection and relevant life cover for company directors in Derby and across the UK.
Talk to a Derby protection adviser
Tell us who you want to protect. There is no fee for our protection advice, by phone, video or at our Friar Gate office.
Content written and reviewed by Davi Thakar. Last reviewed 23 October 2026. Option Finance Ltd is an appointed representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority. Protection policies have no cash-in value at any time. Cover ends if you stop paying your premiums. Cover, premiums and claims depend on the insurer's terms and the information you give when you apply. This information is not a personal recommendation.