Protecting the Life
You’re Living
Life is too short not to protect the people and the future you're building.
Let’s talk about real life
If you couldn’t work for six months, could your family maintain their lifestyle? Income protection means they can.
If something happened to you, would your family have to sell the house, struggle to pay the bills, struggle to look after your children, or struggle with inheritance tax? Life Insurance means they won’t.
If you were diagnosed with a critical illness, could you afford to focus on recovery instead of bills? Critical illness cover gives you that breathing space.
If you’re relying solely on the NHS, are you prepared for the waiting lists, the delays, the uncertainty of when you’ll get treatment?
Private Medical Insurance means you can get diagnosed faster, treated sooner, and back to your life without the stress of endless waiting.
If your business partner or key employee was hit by illness or early death, can your business survive financially? Business protection means it can!’
Insurance isn’t about doom and gloom – it’s about freedom. Freedom to recover. Freedom to grieve. Freedom to keep living the life you’ve built, even when the unexpected happens.
What would you like to protect?
| For You & Your Family: | |
|---|---|
| Income Protection: | Replaces your salary if illness or injury stops you working |
| Life Insurance: | Ensures your family can maintain their lifestyle and cover inheritance tax |
| Critical Illness Protection: | Provides a lump sum if you’re diagnosed with a serious illness |
| Mortgage & Family Protection: | Keeps your family in their home, no matter what |
| Private Health Insurance: | Faster access to treatment when you need it most |
| For Your Business: | |
|---|---|
| Keyperson Protection: | Protects your business if a crucial team member can’t work |
| Shareholder Protection: | Ensures smooth business transition if a shareholder dies or becomes critically ill |
| Relevant Life Protection: | Tax-efficient life cover for directors and employees |
| Executive Income Protection: | Protects high earners and business owners |
| Employee Benefits: | Attract and retain great people with meaningful protection |
| For International Needs: | |
|---|---|
| International Life & Health Insurance: | Protection that travels with you |
| International Workforce Protection: | Cover for employees working across borders |
About Georgia
We’re delighted and proud to have Georgia Parker fully onboard as our Insurance Director. She has built our Insurance pillar from the ground up and is an amazing asset to the team.
Georgia has already been working with us and our clients as a regulated individual with Cornerstone Finance Group Ltd (authorised and regulated by the Financial Conduct Authority, FCA number 767202) and brings a wealth of experience and calm, expert protection advice – helping you put the right cover in place for your life, your family, and your business.
In-house medical underwriting process
We specialise in medical underwriting, which means we have extensive knowledge of the best insurers for each type of medical condition.
When you apply for any type of life insurance, you’re required to complete a medical history review application. This is where you disclose your medical history, including any conditions, investigations or treatment you have, or have had.
You may also need to complete medical tests and reports to obtain cover.
This can be a bewildering process, because different insurance providers take different positions on each type of condition.
Without the proper guidance, you could end up with exclusions on your policy or more expensive premiums… when you do not have to.
This means that:
Our in-house medical underwriting process means that instead of the insurance provider collecting your medical data, we do.
We can provide you with your results and medical data, where this normally would not be provided by the insurance provider.
We anonymise your data and then bid it out to the market to achieve the best terms in the market. This protects you and achieves the best terms in the market.
Once we have achieved best terms, we then confirm this to you before submitting any application.
This process ensures that any client with a complex medical history, high net worth clients, or clients that require medicals to be performed, are taken through a bespoke medical underwriting pathway to ensure best terms for their insurance is achieved.
Human First, Policy Second
How this feels different for you: It’s about your life, not products.
You don’t want a sales pitch or pressure to buy. You want someone to listen to your work, your family, your mortgage, your plans and help you find protection that actually fits your life.
Clear, plain English
You deserve to understand every step. No jargon, no confusing terms. Just clear, honest conversations that leave you feeling confident about what you’re choosing.
Protection tailored to you
You’re unique, so your protection should be too. Whether it’s mortgage cover, life insurance, income protection, or business-related cover like relevant life policies, you’ll get recommendations that suit your circumstances and your budget.
Protection that works with your Will
Your insurance could fit with your wider plans for your family and legacy. We make sure everything works together seamlessly, so your wishes are honoured.
A partnership that grows with you
Life changes – families grow, jobs change, businesses evolve. Your protection should keep pace. You’ll have support to review and adjust your cover whenever you need it.
Why this matters
The Reality Check
Only 1 in 3 UK adults has life insurance
Even fewer have income protection or critical illness cover
Yet most of us insure our phones, cars, and homes without thinking twice
Your ability to earn is your most valuable asset.
Protecting it isn't pessimistic - it's practical.
Here's something most people don't know:
If you're a business owner with a family, you don't have to choose between protecting your business and protecting your loved ones.
The most effective protection does both - and it's more tax-efficient than you might think.
When you run protection policies through your business, you're not just protecting your company. You're protecting yourself, your income, your family, and your future - all while offsetting premiums against corporation tax.
That's holistic advice.
That's Life Is Too Short.
Ready to talk?
Whether you're looking to protect your family, your business, or both, Georgia is here to help you understand your options and find the right protection for your unique situation.
Book a free, no-obligation conversation with Georgia through this link
Or complete the form below and a real person will actually call you back:
Frequently asked questions about Insurance for Life
What is life insurance?
Life insurance (also called life cover) is a contract between you and a UK life insurance provider. You pay monthly premiums, and if you die while the policy is active, the insurer pays a lump sum (called a death benefit) to your chosen beneficiaries. This payout can help protect your family, clear debts, and support long-term financial security.
Why do I need life insurance?
Life insurance provides financial support to your loved ones if you die. It can help cover funeral costs, repay a mortgage, clear debts, replace lost income, fund children’s education, and help your family maintain their lifestyle. Many people choose life insurance as part of family protection insurance and mortgage protection planning.
What are the main types of life insurance?
The most common types of life insurance include:
Term life insurance (UK): Cover for a set period (for example 10, 20 or 30 years). Often the most affordable option.
Whole of life insurance: Permanent life insurance that lasts your whole life and may build cash value.
Universal life insurance: Permanent cover with flexible premiums and a cash value element (availability and features vary by provider).
What is critical illness cover?
Critical illness cover (UK) is an insurance policy that pays a lump sum if you’re diagnosed with a serious illness covered by the policy, such as cancer, heart attack, or stroke. It’s designed to reduce the financial impact of a major diagnosis, so you can focus on recovery.
How is critical illness cover different from health insurance?
Private health insurance helps pay for private medical treatment (consultations, tests, surgery).
Critical illness insurance pays you a cash lump sum to use however you need — for example to cover your mortgage, household bills, time off work, travel for treatment, or childcare.
What illnesses are typically covered by critical illness insurance?
Cover varies by insurer, but critical illness policies commonly include conditions such as:
🖤 Cancer
🖤 Heart attack
🖤 Stroke
🖤 Major organ transplant
🖤 Kidney failure
🖤 Multiple sclerosis
Always check the policy’s definitions and the full list of covered conditions, as wording matters.
What is private health insurance in the UK?
Private health insurance (UK) helps cover the cost of private healthcare, such as specialist consultations, diagnosis, treatment and hospital stays, depending on your policy. It’s often used to access treatment faster than NHS waiting times for eligible conditions.
Do I need private health insurance if I have the NHS?
No – private health insurance is optional because the NHS provides healthcare to UK residents. People choose private cover for faster access, more choice of hospitals/consultants, and private facilities, especially for elective treatment.
What does private medical insurance usually cover?
Most policies typically cover:
🖤 Specialist consultations
🖤 Diagnostic tests (MRI, X-rays, scans)
🖤 Surgery and hospital treatment
🖤 Cancer treatment (often included, but varies)
Many insurers offer optional extras such as mental health support and physiotherapy.
What is shareholder protection insurance?
Shareholder protection insurance (UK) provides funds so the remaining shareholders can buy the shares of a shareholder who dies (and sometimes becomes critically ill). It helps keep control of the business with the right people, while providing a fair payout to the shareholder’s family or estate.
What is key person protection insurance?
Key person protection (keyman insurance) pays a lump sum to the business if a key employee, director, or owner dies or becomes critically ill. It can help cover lost profits, recruitment costs, business continuity, or repay business loans linked to that key person.
What’s the difference between key person insurance and shareholder protection?
Key person insurance: Protects the business against loss of a vital person (profits, stability, continuity).
Shareholder protection: Protects ownership and control by funding a share buyout after death/serious illness.
Whoohoo! It's official
Life Is Too Short is now officially an Appointed Representative (AR) of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
Why we're telling you this:
Transparency is at the heart of everything we do at Life Is Too Short.
We believe in being open, clear, and genuinely understood, so we want you to know exactly where we are on our journey.
We’re doing this properly, officially, and with your best interests at the centre of every decision. We also know that putting your trust in a newer company can feel like a leap of faith, especially if you don’t yet know our story.
While Life Is Too Short came together in 2024, between us we bring over 20 years’ experience in this field and about 40 years of experience in business. We started Life Is Too Short because we knew there was a better way to do this: a more human way. Clear advice. No pressure. Proper protection. Done in a way that feels right for you.
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Complaints Procedure
If you wish to register a complaint, please contact us in writing or by telephone to the following:
Address: The Complaints Officer
Cornerstone Finance
Unit E, Copse Walk
Cardiff Gate Business Park
Cardiff
CF23 8RB
Tel no: 02921 660 550
If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service who can be contacted at:
Address: The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel no: 0800 0234 567
Life Is Too Short Protection Limited is registered in England and Wales. No. 16444535. Registered Office: Suite 8, Tower House, New Portreath Road, Redruth, Cornwall, TR16 4QL.
Life Is Too Short Protection Limited is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB.
Life Is Too Short Protection Limited (No. 1047593) and Cornerstone Finance Group Ltd (No. 767202) are entered on the Financial Services Register at https://register.fca.org.uk/
Life Is Too Short Protection offers advice and guidance on all aspects of residential and buy-to-let mortgages, personal and family protection, and business protection.
The Life Is Too Short Group offers advice and guidance on all aspects of wills and trusts.
We are proud to be part of The Cornerstone Network, and can connect you to one of their trusted experts if you have any enquiries about:
2nd Charges
Equity Release
Commercial Finance
Commercial Insurance
Bridging Finance
Wealth, Taxation and Retirement advice