Insurance brokers for individuals and businesses
Everlife Group provides advised protection insurance across the UK. We help individuals, families and businesses understand their options, the important risks and the next steps.
Our services
Four distinct services. Pick the one that matches your situation and answer a few short questions — it takes about a minute and asks nothing about your health.
For families and homeowners
A policy designed to pay a cash sum if the insured person dies during the term, so the people who depend on that income are not left with the bills.
For directors and small employers
Employer-funded individual life cover for an eligible employee, including some company directors, subject to policy, statutory and tax conditions.
For anyone who relies on their income
Cover designed to replace part of an insured person's income if illness or injury prevents them from working and the policy's incapacity definition is met.
For businesses with critical people
Cover intended to give a business access to capital if an insured person important to its financial performance dies or, where selected, becomes critically ill.
Insurance is subject to eligibility, insurer underwriting, exclusions, cover limits, premiums and policy terms.
Client reviews
“They compared the market for us, explained exactly what was and was not covered, and handled the paperwork end to end. No pressure at any point.”
“I had no idea how income protection actually worked. It was explained in plain English, including the waiting period, before I signed anything.”
“Straightforward, calm and genuinely knowledgeable. They flagged an exclusion I would never have spotted on my own.”
“Everything was handled for us — quotes gathered, application submitted, underwriting questions answered. We just had to make the decision.”
“The team took the time to understand our position first. It felt like advice rather than a sales call.”
“Clear cost breakdown, clear limitations, clear next steps. Exactly what you want when the decision matters.”
“They compared the market for us, explained exactly what was and was not covered, and handled the paperwork end to end. No pressure at any point.”
“I had no idea how income protection actually worked. It was explained in plain English, including the waiting period, before I signed anything.”
“Straightforward, calm and genuinely knowledgeable. They flagged an exclusion I would never have spotted on my own.”
“Everything was handled for us — quotes gathered, application submitted, underwriting questions answered. We just had to make the decision.”
“The team took the time to understand our position first. It felt like advice rather than a sales call.”
“Clear cost breakdown, clear limitations, clear next steps. Exactly what you want when the decision matters.”
Why us, not them
You can arrange cover on your own. Most people find the comparison, the small print and the underwriting the hard part — that is the part we take on.
With Everlife
Going direct or comparison sites
Getting quotes
EverlifeWe gather and compare quotes from the insurers we can access on your behalf.
ElsewhereYou fill in the same details on several websites and compare them yourself.
The small print
EverlifeExclusions, definitions and limitations are explained before you decide.
ElsewhereTerms are buried in a PDF you are expected to read alone.
The application
EverlifeWe prepare the application and handle insurer correspondence for you.
ElsewhereYou chase underwriters and re-submit missing information yourself.
How you are treated
EverlifeA calm conversation, in your own time, with no pressure to proceed.
ElsewhereRepeated sales calls and pressure to sign the same day.
Who you speak to
EverlifeA named person who knows your case from start to finish.
ElsewhereA call centre queue and a different adviser each time.
We begin with your priorities, circumstances and the outcome you want to achieve.
An appropriately qualified and competent adviser explores the information relevant to the service requested.
We explain the products within scope, their costs or remuneration, material risks and limitations, and the basis of any recommendation.
If you decide to continue, we explain the application process, the information required and the responsibilities of each organisation involved.
Why Everlife
We use plain language, explain material limits and avoid turning a serious decision into a sales slogan.
We take time to understand what would make the process easier, including communication and accessibility needs.
Each service is considered in the context of the people, plans and responsibilities it is intended to support.
You can speak to a real person, ask questions and receive information in a format that works for you.
About us
Everlife Group is a UK protection insurance broker working with individuals, families and businesses. We were built around a simple idea: important financial decisions deserve clarity, not pressure.
We explain the service being provided, the options within scope, the material limitations and what happens next, so you can make a properly informed decision.
One short conversation, no obligation and no medical questions on the first call.
Please do not include medical information in the initial enquiry. Cover is not in force unless and until an insurer confirms it.
