Since 2018, we've helped thousands of families and homeowners protect their financial future with the right cover. FCA regulated, rated Excellent on Trustpilot.
Every 20 minutes in the UK, a child loses a parent they depend on financially*. Life insurance is one of the smartest things you can do to protect the people who rely on you. We make it simple, quick, and straightforward, so it's one less thing to worry about. Because nobody should be thinking about money while grieving someone they love.
Three simple steps for financial peace of mind
Quick, easy, and priced right for you.
FILL IN THE FORM
A few quick questions, no confusing jargon. Done before the kettle's boiled.
Step 1
TALK TO US
Expect a call from a real person, not a robot, who'll help you find the right cover.
Step 2
RELAX
Let's be honest, you've got enough on. We'll handle the tricky stuff while you get on with your day.
Step 3
Our customers know best
Don't just take our word for it. Hear from families just like yours, protecting their future with us.
Excellent
Rated 4.8 / 5
Sarah Jenkins,
2 days ago
Really helpful
Had life insurance already but Nelson went through it with me and there were a few things that werent right. Got it sorted and added critical illness as well. Really helpful.
Daniel Morgan,
3 days ago
Really good service
James went through the cover I had and it wasnt quite what I thought. Changed a few things and added critical illness for me and the kids. Really good service.
Rebecca Thomas,
4 days ago
All explained really well
Had a policy for a few years but didnt really know exactly what it covered. Went through everything and got better cover with critical illness added. All explained really well.
James Wilson,
5 days ago
Really easy to sort
Went through my life insurance and decided to add critical illness and cover for the kids as well. Really easy to sort and no messing around.
Emma Davies,
1 week ago
Would recommend
Grant checked over the cover I had and spotted it wasnt quite right for me. Got everything sorted pretty quickly. Would recommend.
Michael Roberts,
1 week ago
Really pleased with everything
Spoke about income protection as I didnt have any in place. Made sense once it was explained so decided to add it. Really pleased with everything.
Protection Explained
What is life insurance?
Think of it as a financial safety net for your family. If the unthinkable happens, your life insurance policy pays out a lump sum to help with the bills.
How much does it cost?
Surprisingly little. Your monthly premium depends on your health, lifestyle, and cover amount, but for many it's between £6 and £20 a month.
Isn't it super complicated?
That's what we're here for. Our advisers know their stuff and will talk you through everything, in plain English, to find cover that works for you.
Do I really need it?
Death is the only certainty in life. Could your family afford to live without you? Do you have enough savings for your partner to take the time they need off work? If not, we can help lighten the financial load.
Does it pay out?
Yes. 97% of UK life insurance claims result in a successful pay-out. In fact, insurers paid out £3.87 billion in 2022**.
Let's talk about it. Dying isn't anyone's favourite topic, but it's a fact of life, and sometimes it happens much sooner than expected.
That’s why we launched Red Ruby Financial.
We were shocked by how many families had no financial protection in place, and worse, how many had cover that wasn't right for them. The more we looked at the insurance industry, the clearer it became: not enough people were being told what they actually needed, or why it mattered.
You might think you're too young, too healthy, or too busy. But nobody can predict the future, and the earlier you sign up, the cheaper it's likely to be. Don't leave it until the last minute. Click below to get started with a free, no
obligation quote.
FAQs
If you've got questions, we've got the answers.
It depends on your circumstances. Life insurance protects your family if you die, critical illness cover pays out if you're diagnosed with a serious illness, and income protection replaces your income if you can't work. Many people need a mix. Our advisers can talk you through what fits your situation, for free.
It depends on your income, debts, and who relies on you financially. A good rule of thumb is enough to cover your mortgage, replace your income for a few years, and cover any other debts. Our advisers can work this out with you for free, no guesswork needed.
Most applicants don't. You'll answer some health and lifestyle questions as part of the application, and insurers use that (plus your GP records if needed) to set your premium. No needles, no waiting rooms, for most people.
In most cases, yes. It might affect your premium, but very few conditions rule you out entirely. It's always worth checking rather than assuming you won't qualify.
Yes. You've got a 30-day cooling-off period to cancel with a full refund, no questions asked. After that, you can cancel any time, though you won't get a refund for cover you've already had.
Get a free, no-obligation quote, and one of our advisers will talk you through your options, answer your questions, and give you some clarity.