Protect What Matters

Protecting Your Loved Ones with Reliable Life Insurance Solutions

Life Insurance

Term and whole-of-life insurance designed to protect your family, pay off your mortgage, and secure your future.

Critical Illness Cover

Provides a lump sum if diagnosed with a serious condition, helping you and your family manage financial pressures while focusing on recovery.

Income Protection

Income protection ensures your household and business can continue if you are unable to work due to illness or injury.

Hospital Cash Plans

Hospital cash plans provide financial support to cover unexpected costs during hospitalisation, giving you peace of mind.

Providers

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Not Sure What Cover You Need? Let’s Find Out.

We get it — life insurance, critical illness cover, income protection… it can all feel like a lot. That’s why we created a quick and simple way to help you figure out what protection actually fits your life, your family, and your future.

Take our free quiz — it only takes 2 minutes.

Life Insurance

Protect your loved ones with a lump sum payout if the unexpected happens.
Covers things like mortgage payments, childcare, household bills, or funeral costs — so your family stays financially secure.

Critical Illness Cover

Get a tax-free payout if you’re diagnosed with a serious condition.
Use it to cover medical bills, take time off work, or ease the pressure while you recover. We’ll guide you through the right options for your needs.

Hospital Cash Plans (MetLife EverydayProtect)

Especially helpful for families with children who face regular hospital stays.
Guaranteed acceptance with no medical questions. Get paid for every night spent in hospital — to help with travel, meals, or time off work.

Income Protection

If illness or injury stops you working, your bills won’t stop coming in.
This cover gives you a monthly income while you recover, so your lifestyle and home stay protected.

Take the QuizNot Sure What Cover You Need? Take the quiz to find out

Testimonials

Shamane & Brett

I just wanted to say a huge thank you to Cavell Coo for helping my husband and me sort out our life insurance. From start to finish, Cavell was professional, knowledgeable, and incredibly patient, making what could have been a complicated process feel seamless and stress-free.

Angie

I want to thank Cav for arranging my insurance policies that truly fit my age, lifestyle, needs and budget. His expertise and dedication were evident throughout the whole process, he even recommended products I hadn’t considered but definitely needed!

Damian

Having life insurance has always been important to me and hit home even more after losing my mother, I was due for a review.

I would like to say thank you to Cavell for a great service and lowering my premiums while at the same time increasing my cover.

At Life & Legacy, our mission is simple: to help everyday families protect what matters most, for the people who matter most.


We believe everyone deserves the chance to secure their future — no matter their background, health history, or starting point.
That’s why we offer clear, compassionate advice and access to cover that puts your family first — with no jargon, no judgement, and no pushy sales.

Frequently Asked Questions

Common Questions Answered for your convenience.

I’ve been turned down before — can you still help me?

Absolutely. We work with a wide panel of insurers, including those who accept clients with pre-existing conditions or complex histories. Even if you’ve been declined elsewhere, there may still be options for you.

What makes Life & Legacy different from other insurance companies?

We’re not a faceless call centre — we’re a family-run, community-first brokerage that puts people before policies. Our advice is honest, our language is plain, and our mission is to protect families like yours.

Do I have to do a medical to get cover?

Not always. Some policies — like our Hospital Cash Plans — don’t require any medical questions at all. Others may depend on your specific circumstances. We’ll walk you through everything clearly, without pressure.

How much does life insurance actually cost?

It might be more affordable than you think. We work with budgets of all sizes, and we’ll never recommend more than you need. Every family is different, so we’ll find what works best for yours.

What if I don’t understand all the insurance jargon?

That’s exactly why we’re here. No jargon, no judgement — just clear explanations and patient support every step of the way.

Is there a catch with the free will writing service?

No catch. It’s a genuine, professional service (worth £130), offered through our trusted legal partners — free with every protection policy we arrange. It’s one more way we help you protect your loved ones properly.

I have kids with ongoing health issues — can you help?

Yes, we often can. Our Hospital Cash Plan from MetLife, for example, pays out for every night your child spends in hospital — with no medical questions asked. It’s been a lifeline for families dealing with sickle cell, asthma, and more.

Can I still get cover if I’m over 50?

Yes — in many cases, no medical questions are even needed. We offer later-life cover options with guaranteed acceptance and affordable premiums.

Will I speak to a real person?

Always. No bots, no long wait times, no pushy salespeople. Just a caring expert who’ll listen, understand your situation, and give you honest advice.

How do I get started?

The best first step is to take our short quiz — it’ll show you how protected your family currently is and highlight any gaps. From there, we’ll guide you through your options with zero pressure.