Life and Health Insurance

Protect the people and things that matter most to you. From life insurance to home protection, we help families secure their financial future with coverage that fits your life and budget.

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Start With a Free Custom Quote

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Insurance Type To Protect You & Your Family

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Critical Illness Insurance

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Tradesperson Insurance

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Home Insurance

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Income Protection

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Life Insurance

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Family Income Benefit

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Over 50s Life Assurance

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Whole of Life Insurance Policy

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Ready To Get a Quote?

Getting Started

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Family Protection Review

We’ll discuss your family situation, financial commitments, and protection goals to understand what coverage you need.

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Personalised Recommendations

Based on your needs and budget, we’ll recommend appropriate coverage levels and policy types.

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Compare Options

We’ll provide quotes from multiple insurers with clear explanations of benefits and costs.

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Easy Application

We handle the paperwork and ensure your family is protected as quickly as possible.

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Ongoing Care

Regular reviews, claims support, and advice as your family’s needs change over time.

Frequently Asked Questions

How much life insurance do we need?

Generally 10-12 times your annual income, but we’ll calculate the exact amount based on your mortgage, family expenses, and future needs like children’s education.

Should both parents have life insurance?

Yes, even if one parent doesn’t work outside the home. The cost of replacing childcare, housework, and family management can be significant.

When should we get critical illness cover?

The younger and healthier you are, the cheaper the premiums. It’s best to secure cover before any health issues develop.

Do we need income protection if we have savings?

Savings can be quickly depleted by ongoing expenses. Income protection ensures your savings remain intact for other family goals.

Can we get family discounts?

Many insurers offer discounts for multiple policies or family coverage. We’ll find you the best deals available.

WHY CHOOSE PEARL ROSE FOR YOUR FAMILY INSURANCE?

Family-First Approach

We understand that every family is different. Our recommendations are based on your specific circumstances, not generic advice or sales targets.

Plain English Explanations

Insurance can be confusing, but it doesn’t have to be. We explain everything clearly so you understand exactly what you’re getting and why it’s important.

Ongoing Family Support

Life changes, and your insurance should change with it. We provide regular reviews and adjust your coverage as your family grows and evolves.

Claims Advocacy

When you need to claim, we’re on your side. We help you through the process and ensure you get the support you’re entitled to.

Competitive Family Packages

We work with multiple insurers to find you the best coverage at family-friendly prices. Many insurers offer discounts for multiple policies.

Our Customers

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Ready to Protect What Matters Most?

Get In Touch

Get expert insurance advice tailored to your inique needs. Contact us today for a free, no-obligation consultation