Life & Protection
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Protecting families, income & business
Our Ascend Life division is dedicated to deliver comprehensive life and income protection solutions to both individual, SME and corporate clients.
Ascend Life responds with whole-of-market access and a consultative approach. This ensures recommendations are shaped by each client’s unique circumstances rather than the limitations of a single insurer’s product range.
Policies are designed to balance robust cover with competitive cost, whether the client is an individual looking to protect their family, or a business seeking to retain talent and shield profits.

Life/Critical Illness/Income Protection
Individuals
Life Insurance
Critical illness Insurance
Income Protection
Key Person/Shareholder/Group Schemes/Distressed
Business
Key Person
Group Life Schemes
Distressed Life
Protection Advice
What we do best…
There are many other types of life insurance to think about, including critical illness cover and whole of life insurance.
Talk to someone
Contact Kristian Breeze to discuss your requirements and receive a full personal consultation.
01245 449060
Contact us for a consultation
Bespoke Risk Consultancy
Our bespoke consultancy can provide:
- Life insurance to provide a lump sum or income for loved ones.
- Critical illness cover for financial support on diagnosis of serious illness.
- Income protection to maintain earnings during long-term absence from work.
For businesses, the division offers:
- Key person cover to protect against the loss of essential staff.
- Shareholder protection to secure business continuity in a crisis situation.
- Group life schemes to enhance employee benefits.
- Specialist distressed-life solutions add another layer of capability, enabling Ascend Life to find answers where other routes have failed.
What is life insurance?
Life insurance is designed to provide a financial safety net for your loved ones when you die.
There are different types of life insurance, with each offering a different level of cover.
Life insurance pays out a tax-free cash lump sum to your named beneficiaries, who can use the payout however they like.
People often use it to pay off a mortgage or other debts, but it can also be used to cover living expenses for family members or be left as a cash gift.
What is life assurance?
Life assurance, often known as a whole of life policy, is a type of insurance that continues indefinitely and pays out a lump sum once a policyholder dies (assuming they’ve met their monthly payments).
Premiums tend to be higher for this type of protection because a provider expects to make a pay-out at some point.

In business, certainty is a luxury and preparation is essential. At Ascend Life, we help business owners secure the future with smart, whole-of-market protection tailored to your structure, risks and long-term ambitions. Whether you’re safeguarding your company against the loss of a key person, ensuring shareholders are protected with a buy-sell agreement, or mitigating future tax liabilities through strategic inheritance tax protection, our role is to ensure continuity, stability and peace of mind.
Our solutions include Key Person Cover, Relevant Life Policies, Shareholder and Partnership Protection, Executive Income Protection, Critical Illness and Serious Illness Cover, and Group arrangements such as Death in Service and Group Income Protection.
With whole-of-market access and a broker-first approach, we don’t just find you cover. We find you the right cover. We understand that the true value of protection lies in precision, efficiency and readiness. That’s why forward-thinking directors, partners and business owners turn to Ascend Life.
Life doesn’t come with guarantees, but the right protection can come close. Ascend Life offers clear, independent advice across the full spectrum of personal life and income protection products, helping individuals and families plan for the unexpected with confidence.
We take a whole-of-market approach, ensuring your cover is not just comprehensive, but logical, relevant and cost-effective. From level and decreasing term life insurance to family income benefit, income protection and critical illness or serious illness cover, our solutions are designed to protect what matters most: your loved ones, your lifestyle and your long-term financial wellbeing.
Whether you’re navigating a major life change such as buying a home, starting a family or changing careers, or simply planning ahead, Ascend Life ensures your protection is as tailored and forward-thinking as you are. We’re not tied to one insurer or one way of thinking, just one outcome: getting it right for you.
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