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Insurance, Protection, Peace of Mind. DFP Have Got You Covered.

Like most financial products, finding the right insurance and protection can be a minefield. From income and mortgage protection to life insurance and critical illness cover, it’s difficult to work out what level of protection you need. Not to mention, what exactly you need insuring for. Danbro Financial Planning will save you time, provide clarity, and make your money go further. Unlike most comparison sites, we’ll find the insurance and protection deals that are tailored to you; taking away the confusion and helping you buy with confidence.
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Who We Work With

At DFP, we’ll provide insurance and protection advice as and when you need it. Whether that’s during your mortgage application or after you’ve moved in. Our team will work with you, discussing your budget and explaining the options available, before assessing the whole market to find the products and providers best suited to your needs.

All the providers we deal with are reputable, accredited, and have met our strict selection requirements. We assess the quality and transparency of their cover, as well as their claims record, financial strength, customer service, and the competitiveness of their rates. In short, we’ll find you the best solution, with the best provider, at the best price for you.

What can we help you with?

Life Insurance

Life insurance cover means different things to different people. Some simply want to pay off the rest of their mortgage. While others require more comprehensive cover, to ensure their family’s finances are taken care of after they’ve gone. From the length and flexibility of your cover to the amount you’re willing to invest, your life insurance policy should be designed around you. At DFP, we’re here to help you get the appropriate level of life insurance cover from the most suitable provider. With a level of care and guidance that you won’t get from any price comparison site, our team will conduct your life insurance application to help secure the future that you and your loved ones deserve. Did you know? Less than 60% of people with a mortgage in the UK have life insurance in place should the homeowner pass away.

Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

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Home & Contents Insurance

For many, buildings insurance - which covers your permanent fixtures and the structure of your home - will be a condition of your mortgage. This goes for most buy-to-let landlords too. However, the decision to take out contents insurance, which protects material possessions like furniture and electronic gadgets, is up to you. Without adequate insurance and protection, most people would be unable to repair or replace their home or contents should the worst occur. As everyone’s home is different, so too should your insurance policy be. ‘One-size-fits-all’ home insurance packages may seem appealing when scrolling through comparison sites. But, if the unthinkable happens, you need a policy that looks after your best interests. That’s why our team assess dozens of insurance and protection providers to match the best products with your circumstances and budgetary requirements. We source quotes that are built around you to get the protection you need for your home. Did you know? In 2018, six million UK homes were without home insurance protection.

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Income Protection Insurance

The inability to work, due to illness or injury, is likely to have a detrimental effect on your personal finances. Recovering from such setbacks takes time, energy and focus. Qualities which are better spent trying to improve your health rather than worrying about your money. Income protection insurance will cover part of your salary and pay a monthly benefit should you ever need it. There's different types of cover to suit different budget levels. At DFP, we’ll help you get the comprehensive income protection insurance you need to look after your finances in the event that you’re unable to earn due to illness or injury. We’re specialists in protection insurance. Our team are here to talk you through what’s out there and find the right products to suit your situation, just like we’ve done for so many others. Did you know? More than 50% of ‘millennials’ would last no more than three months on their savings / investments if they were unable to work due to illness or injury.

Income Protection will usually pay up to 60% of your monthly income - up to your retirement date or the end of the policy term. If premiums stop, then cover will lapse.

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Critical Illness Cover

Many people take out life insurance to cover their family’s financial needs should the worst happen. But the financial, not to mention psychological, impact of a severe illness or long-term disability can be equally as shattering. So, if you’ve never thought about critical illness cover before, maybe now is a good time to start. Different policies cover different illnesses, with varying degrees of financial protection. And, the quality of your cover is more important than the price. It’s complex, but our specialist team are here to help you. We’ll listen to your worries and concerns, assess your lifestyle, medical history and other factors, and paint a picture of the critical illness cover you need. As well as finding the right insurance and protection products and suppliers for you, we’ll also take care of your application too. Did you know? Over 70% of mortgage holders in the UK have NO critical illness cover in place.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers. Critical Illness plans typically have no cash in value. If premiums stop, then cover will lapse.

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Trusts, Wills and Lasting Powers of Attorney

Placing life policies under trust ensures the right people get the proceeds of a life policy at the right time. We’ll advise you whether it's suitable for you. And, if it is, we’ll make the necessary arrangements to write your protection under trust. While we don’t provide direct advice on Wills or Lasting Powers of Attorney, decisions such as ‘who to leave your assets to’ are an important part of your long term protection planning. So, our specialist team can arrange referrals to solicitors and Will writers should you need pointing in the right direction. Did you know? More than half of UK adults do not have a Will.

The Financial Conduct Authority does not regulate Trusts Advice, Wills or Powers of Attorney services.

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Safeguard your future & protect the things that matter

Still unsure whether insurance and protection is right for you? Here’s what our Mortgage and Protection Specialist, Sharon Kennedy, has to say: “One of the most important financial products you can buy is protection insurance. This includes life insurance, critical illness cover, and income protection. So, it might surprise you to learn that it’s one of the least bought. Most of us insure our pets, gadgets and holidays, but forget to insure ourselves. It doesn’t make sense to me. As a specialist in insurance and protection, I’d encourage you to change that mind-set. Start thinking about insurance and protection as you would any other investment. After all, it’s a key part of your financial planning strategy, so why not spend the time and the money getting it right. This is about protecting what you have, what you aim to have and what you love most. And, at DFP, we’re here to help you.” Insurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse. The Financial Conduct Authority does not regulate, Trusts Advice, Wills or Powers of Attorney services.

Important Information

Your home may be repossessed if you do not keep up repayment on your mortgage.

The Financial Conduct Authority does not regulate Buy-to-Let Mortgages.

Danbro Financial Planning Limited is an appointed representative of the Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority. Danbro Financial Planning Limited is entered on the FS Register ( under reference 796167. The information contained within this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit


Company number 11009261 registered in England. Danbro Financial Planning Limited Registered office address: Jubilee House, East Beach, Lytham St. Annes, United Kingdom, FY8 5FT.