BQI Protection

What BQI Protection does

BQI Protection is a UK-based independent insurance intermediary specialising in life and health protection products for individuals, businesses, and employers. Founded in September 2018 and headquartered in Wellingborough, Northamptonshire, the firm operates as an Appointed Representative of BQI Group Limited and is regulated by the Financial Conduct Authority (FCA reference 810483). The company earns commission from insurers rather than charging fees to customers, conducting fair analysis across over 30 insurer agency relationships to match clients to coverage based on medical history, hobbies, and lifestyle factors.

The product portfolio spans three channels: Personal Cover (life insurance, critical illness, income protection, whole of life, private medical), Business Protection (key person cover, business debt protection, ownership/succession protection, relevant life, executive income protection, business private medical), and Employee Benefits (death in service, group critical illness, group income protection, corporate private medical for 250+ employees, cash plans). The company uses no proprietary technology platforms; its operational backbone is a standard third-party web stack (Spoton.net, Cloudflare, Google Analytics, Mapbox) supporting a direct advisor-led sales motion with personal consultation, supplemented by a channel partnership with the Financial Intermediary Broker Association (FIBA) that provides member intermediaries with branded portal access and client journey tracking.

The business is small (1-10 employees) with a management team led by Managing Director Malcolm Robertson (50% shareholder and founder) alongside Operations Manager Louise Whitaker and a team of Business Protection Managers and Client Support Specialists. There are no disclosed funding rounds, no venture capital or private equity investment, and no patent, trademark, or award signals. The company is privately held within the BQI Group structure and operates exclusively in the United Kingdom.

Name

BQI Protection

Legal name

BQI Protection Ltd

Website

https://bqi-protection.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

BQI Protection is a UK-based independent insurance intermediary offering life, health, and business protection products to individuals, business owners, and employers, earning commission from over 30 insurer partners as an FCA-regulated Appointed Representative of BQI Group Limited.

Ownership category

akta.pro rank

Headquarters

HQ city

Wellingborough

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission: BQI Protection acts as an intermediary receiving commission from policy providers/insurers. No fee is charged to customers for their advisory services. The company conducts fair analysis across multiple insurers to match customers with appropriate coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

BQI Protection is an FCA-regulated insurance intermediary that provides free advice and personal recommendations on life, health, business protection, and employee benefit insurance products. It conducts fair analysis across more than 30 insurer agencies to match individuals, families, business owners, and employers with appropriate cover based on medical history, hobbies, and lifestyle, earning commission from insurers rather than charging customers a fee.

Product overview

BQI Protection operates as a financial protection advisory firm offering a comprehensive portfolio of insurance and protection products across three main channels: Personal Cover (life insurance, critical illness, income protection, whole of life, and private medical insurance), Business Protection (key person cover, business debt protection, ownership structures, relevant life, executive income protection, and business private medical), and Employee Benefits (death in service, group critical illness, group income protection, corporate private medical, and cash plans). The firm acts as an intermediary offering fair analysis across multiple insurance providers, with access to over 30 agency relationships to match clients to appropriate insurers based on medical, hobbies, and lifestyle factors. BQI Protection also provides FIBA member services through a strategic partnership for business protection advisory.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Cover

Quantifiable outcome

• 70% of businesses would cease trading within less than 2 years with the loss of a key person
• +5 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• FIBA (Financial Intermediary Broker Association)coreChannel Partner/ Reseller/ DistributorBQI Protection has partnered with FIBA to provide Business Protection advice for its members. FIBA members can access all BQI Protection services for their clients, including commercial lending protection and business protection for employees. The partnership provides FIBA members with a company branded portal to submit enquiries, track client progress, and access business written reports with full transparency throughout the process.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Reassured: UK life insurance broker focused on personal protection products including life cover, critical illness, and income protection. Comparable to BQI in product scope and target customer, though operating at significantly larger scale.
• Drewberry Insurance: Independent UK insurance broker specialising in life, critical illness, income protection, and private medical insurance for individuals and businesses. Directly comparable to BQI Protection in product mix, target market, and intermediary-led advisory model.
• Cavendish Online: UK insurance broker offering life, income protection, and business protection products from a panel of insurers. Comparable to BQI in product breadth and panel-driven intermediary model.
• The Insurance Surgery: UK specialist insurance broker offering life insurance, critical illness, income protection, and private medical cover, with a focus on non-standard or pre-existing medical conditions. Comparable to BQI Protection in advisory-led placement and medical underwriting specialism.
• LifeSearch: UK specialist life insurance broker offering life, critical illness, and income protection through independent advice. Comparable to BQI as a similarly focused protection intermediary with a panel of insurer partners.

Broad incumbents

• Aon UK: Global insurance broker and risk adviser with a UK presence offering life, health, and group benefits alongside broad commercial insurance. Comparable to BQI in product categories but operates at vastly larger scale with a wider service portfolio.
• Unum UK: UK group protection provider offering group life, group income protection, and group critical illness. Comparable to BQI's employee benefits pillar but operates as an insurer/provider rather than a broker intermediary.
• Howden UK: Large UK insurance broker offering personal, commercial, and employee benefits solutions. Comparable to BQI in product lines underwritten through insurer panels, but competes across a much broader market footprint.
• Canada Life UK: UK life insurance, critical illness, and group protection provider and platform. Comparable to BQI in the protection product lines it offers but operates as an insurer and platform rather than a pure broker.
• Marsh UK: Global insurance broker with deep UK operations offering risk, insurance, and benefits advisory. Comparable to BQI as a broker intermediary but serves enterprise and corporate clients as well as SME.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bqi-protection-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BQI Protection