the method

A pleasingly small number of steps, explained in inconvenient detail.

Every life insurance website promises "three easy steps." Most don't tell you what's actually happening inside the box. Here's our box, fully open.

  1. Step 01

    ≈ 60 seconds

    You tell us the boring bits.

    Age, dependents, what you owe, what you'd want to leave behind. Six questions, no email required to get started. We never sell your details — we don't have a list to sell to.

  2. Step 02

    Editor-reviewed

    We do the math out loud.

    You get a one-page report that shows exactly how we arrived at a number. Every assumption is labelled. If you disagree with one, you can change it and the page recalculates in front of you.

  3. Step 03

    No drip campaigns

    You decide what 'next' looks like.

    Want to keep reading? We have a library. Want to chat to one independent, FCA-regulated adviser? We'll introduce you. Want to close the tab and think about it for six months? Genuinely fine.

  4. Step 04

    Flat fee model

    We get paid only if you buy — but we never know which insurer.

    Our adviser partners pay us a flat fee per policy placed. We don't earn more for steering you toward a particular brand. We literally can't see which insurer you end up with.

Ready to see your number?

You can close the tab the moment it stops being useful. We'll never know.