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We offer a clear and straightforward service specialising in Life Insurance, Critical illness cover and Income protection.  Working in Partnership with Insurers, IFAs and Networks our primary aim is to grow and protect your Protection Business and Brand  and as we do not provide any advice or services relating to General Insurance, Pensions and Investments there is no risk of cross-selling.

The service is designed to:

  • generate additional income to your core business from otherwise untapped sources
  • reduce client erosion as your customers will not need to search the market for Protection
  • improve your brand with high quality advice and excellent customer service.

We offer a differentiated and bespoke service to match your requirements with little effort required for set-up or ongoing running of the service.  You may only need a transactional, non-advised online quote service for your customers or at the other end of the spectrum we can provide dedicated account management with a fully advised service.

Our Partnerships

  • AIG Life

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    We provide ongoing servicing, support and advice to over 44,000 customers (for 55 orphaned agencies) in partnership with AIG Life.  We have reduced lapsed rates for these customers from 30% to 10% in the first two years of engagement.

    “AIG Life has worked with Future Proof Insurance since its inception in 2011 and we count them as one of our most trusted partners.  We have been continuously impressed with their highly personalised approach to identifying customer need and providing holistic, quality protection advice.  They really do put the customer first and always aim to find the best possible customer outcomes. They do not shy away from customers with impaired lives, but strive to find a tailored solution that meets their need, taking great care to explain how premiums have been calculated. 

    Future Proof’s website is user-friendly and their blogs provide quality, easy to access information on how customers with particular medical conditions can still get protection insurance.  Their customer-first approach has been recognised by a number of industry and service awards, and we wish them continued success and recognition.”  

    Testimonial from Vicky Churcher, Intermediary Director, AIG Life

  • NFU Mutual

    NFU Mutual Logo

    We provide outsourced protection advice and servicing to NFU Mutual clients through their branch network of over 300 agencies.  We have substantially increased protection enquiries and have been instrumental in reducing deal handling times from 90 days to under a month with 25% of cases on risk immediately.  This has reduced their in-house costs and provided income from previously untapped sources.

    Testimonial from Mr Roy Watts, NFU Customer

    “I am very happy with Future Proof and the adviser I spoke to – David Mead. David explained his role and how Future Proof and NFU Mutual are working together.  David was very thorough with his questions and helped me fully understand the different policies and what would be best for me.

    Unfortunately, I didn’t proceed with the quote as my own broker produced a ‘like-for-like’ quote and decided to go with that but I’m strongly considering moving all my business.  Even when I told David I wouldn’t progress with the cover, he was still very helpful and offered his assistance if ever the need arose again.”

    Mr Watts went on to say that most people are all too ready to complain these days but feels Future Proof, David and NFU Mutual need recognition for the service provided and he applauds NFU Mutual for using Future Proof.

  • Perkbox

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    We are the exclusive sole Protection Adviser for all Perkbox Employee Benefits Customers, which numbers over 300,000.  We provide instant quote & apply technology for these customers.  We also help secure cover and providing quality advice for those customers who are unable to apply online due to health & medical issues.

    “Working with Future Proof means we are able to have complete peace of mind that our customers are being given a fantastic service. At Perkbox we are always striving to develop long term partnerships so our customers can continue to receive value from our platform on an going basis. Future Proof’s ability to maintain long term customer satisfaction is crucial to our model and means we can continue to look to strengthen the relationship with them. ”  

    Testimonial from Joe Rawnsley, Partnerships Manager, Perkbox

Why choose Future Proof?

Future Proof Insurance was established in October 2011.  We provide high quality expert Advice on Income Protection, Critical Illness Cover, Life Insurance and Gift Inter-Vivos.  We also provide advice relating to Business Protection Insurance and Key Man Insurance.

Since our inception we have arranged in excess of £400 million of insurance cover for our customers, with 15 insurance companies, including; Aegon, AIG Life, Aviva, Legal & General, LV=, One Family, Royal London, Vitality Life and Zurich.

Our award-winning team has an excellent understanding of unusual underwriting requirements, and regularly help to arrange cover for people with chronic medical conditions and unusual & high risk occupations (in some cases clients may have had an application rejected before coming to us).  We regularly publish case studies on our blog illustrating how we have helped people with challenging situations to arrange cover.

We are experienced in working with any potential partners to complete strict and extensive due diligence processes.

Branding

Life is uncertain and our aim is to provide our customers with the peace of mind that they have financial security in times of need. We are here to help protect them and their family.  We are advisers, not sales people. We create trust with our customers and build long-term relationships by placing them at the heart of any advice we provide and providing 1st Class service. We like to think that we are friendly, approachable and professional!  We can provide a white-label intermediary service or you can use the Future Proof brand for your Protection business.

Regulatory & Technical Competence

We give clear and accurate advice about life insurance products so that each customer understands what a product covers and any limitations it may have.  We employ and refer to current technologies such as CI expert and XRAE to compare products.  A minimum of 10% of client files are checked by a 3rd party compliance company.  We also closely monitor NTU rates and cancellation from inception ratios which currently stands at 1.2%.  To encourage good practice, advisers do not receive commission but earn an annual bonus based on persistency, compliance and profitability.  We are happy to assist with any due diligence on our TCF process and company data security.

Our Customers

We build ongoing relationships with our Partners’ customers by providing not only the best advice but also outstanding after-sales care.  We employ a dedicated Customer Services team and administration team to ensure the customer journey is smooth resulting in fantastic customer engagement.

Click here to view our partner’s Customer Testimonials at Reviews.co.uk

Click here to view our Customer Journey

Our Awards

2018 Awards:

Health Insurance Awards 2018 – Winner ‘Best Small Intermediary firm’​
Cover Excellence Awards 2018 – Winner ‘Best Small Intermediary firm’​
Cover Excellence Awards 2018 – Winner ‘Best Customer Service’​
AIG Life Quality Awards 2018 – Winner ‘Best Business Quality’
FT Adviser Awards 2017 – Did not run in 2018 – bi-annual.

MoneyFacts Awards 2018 – Commended ‘Protection Intermediary of the Year’.
UK Customer Service Excellence Awards 2018 – Highly Commended ‘Company Culture’

Why not call us now for expert advice?

Call 0800 644 4468Mobiles call01737 336 990