Protection Experts

What Protection Experts does

Protection Experts is a UK-based independent insurance brokerage operated by Protection Refined Limited, an FCA-authorised firm (reference 841050) incorporated in England and Wales and headquartered in Bournemouth. Founded in 2019, the firm distributes life insurance, critical illness cover, income protection, and private medical insurance products to two primary segments: business owners and company directors seeking commercial protection products (Relevant Life Insurance, Shareholder Protection, Executive Income Protection, Business Loan Protection, Business Critical Illness Cover), and individual policyholders seeking personal protection (Whole of Life, Personal Life, Critical Illness, Income Protection, Private Medical Insurance). The firm differentiates by writing life insurance policies into Trust — a structure Legal & General publicly credits as being more prevalent at Protection Experts than at any other UK insurance broker.

The business operates on a commission-based revenue model, earning payments from multiple partner insurers (including Vitality Life, Legal & General, Aegon, AIG, Guardian, Zurich, and Scottish Widows) when policies are placed. Distribution is split between direct sales (phone, email, online quote forms) and a structured referral and partner channel offering commissions, VIP discounts, and rewards to partner businesses and existing customers. A Members Area portal supports post-sale policy management and claims routing across partner carriers, and a Refer a Friend consumer programme provides £50 voucher incentives.

There is no evidence of proprietary technology, no public API, no AI or machine-learning tooling, and no disclosed funding rounds or institutional investment. The firm is privately held by a four-person director team (Harry Ramburn, Roger Maurins, Brad Witt, Yannick Askurn) and operates as a founder-led brokerage with a specialist advisory team across lead generation, underwriting/presales, compliance, renewals, and account management.

Name

Protection Experts

Legal name

Protection Refined Limited

Website

https://protection-experts.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Protection Experts is a UK-based, FCA-authorised independent insurance brokerage placing life, critical illness, income protection, and private medical insurance policies for business owners and individual policyholders via direct advisory sales and partner referrals.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Life insurance brokerage
• Income protection insurance
• Critical illness cover
• Business protection insurance
• Personal insurance advisory

Headquarters

HQ city

Bournemouth

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker, Protection Experts earns commissions from insurance providers when policies are placed. They offer impartial advice and scoure the market for best policies.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Protection Experts is an FCA-authorised independent insurance brokerage that provides expert advice and arranges personal and business protection insurance policies on behalf of customers. Core offerings include personal life, critical illness, income protection, whole of life, and private medical insurance for individuals, alongside relevant life, shareholder protection, executive income protection, business loan protection, and business critical illness cover for business owners and directors. The brokerage earns commissions from insurance providers when policies are placed and claims to have written more life insurance policies into Trust than any other UK broker, according to Legal & General.

Product overview

Protection Experts is an insurance brokerage offering a comprehensive portfolio of personal and business protection policies. The business operates two main product lines: (1) Personal Policies including Whole of Life Insurance, Personal Life Insurance, Personal Income Protection, Critical Illness Cover, and Private Medical Insurance; and (2) Business Policies including Relevant Life Insurance, Shareholder Protection, Executive Income Protection, Business Loan Protection, and Business Critical Illness Cover. The company differentiates itself by writing policies into Trust, providing expert impartial advice through a team of protection specialists, and offering a Members Area portal for claims management and customer rewards programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Relevant Life Insurance A business expense life insurance policy for individual employees or directors of a UK-resident Limited Company, providing financial protection for those left behind with premiums paid by the business and offering up to 40% tax savings compared to personal policies.
• Shareholder Protection Enables surviving business owners to purchase a deceased owner's share from their estate, providing a lump sum upon death or terminal illness to prevent shareholding inheritance disruption.
• Executive Income Protection Income protection for business owners and directors, covering up to 80% of PAYE and dividends for employees who become sick, including National Insurance contributions and employer pension contributions.
• Business Loan Protection Provides funds to repay commercial loans or mortgages if a business owner suffers critical illness or death, available as level cover or decreasing cover.
• Business Critical Illness Cover Pays a tax-free lump sum if an employee is diagnosed with a covered critical illness, helping businesses cover salaries and temporary staffing costs.
• Whole of Life Insurance Life insurance that guarantees a payout to beneficiaries upon the policyholder's death, with cover continuing until death and proceeds usable for funeral costs, mortgages, and inheritance tax planning.
• Personal Life Insurance Personal life insurance providing lump sum or regular payments on death, available as level, decreasing, or increasing cover options.
• Personal Income Protection Pays a tax-free monthly income if the policyholder cannot work due to illness or injury, covering conditions including cancer and mental health issues.
• Critical Illness Cover Pays a lump sum following diagnosis of a covered critical illness such as cancer, heart attack, stroke, or organ transplant, available on personal or business basis.
• Private Medical Insurance Health insurance covering private medical treatment costs, allowing policyholders to choose their level of care and reduce wait times for treatment or surgery.
• Members Area Online portal for existing customers to make claims, access claims numbers for partnered insurers (Vitality Life, Legal & General, Aegon, AIG, Guardian, Zurich, Scottish Widows, and others), and access rewards and benefits.

Quantifiable outcome

• Save up to 40% on life insurance through business expense classification

Named customers2 records

Segments2 records

Ideal customer profiles2 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.

• Referral PartnerscoreChannel Partner/ Reseller/ DistributorBusinesses that refer clients to Protection Experts. Partners receive commission structures, VIP discounts, rewards, access to private events, and exclusive showcases. The relationship treats the partner's business as an extension of Protection Experts.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• AdviserBook / Unbiased: UK platform connecting consumers to FCA-regulated advisers including protection specialists. A channel competitor for Protection Experts because partner IFAs and advisers sourced via Unbiased may displace specialist broker relationships.

Direct peers

• Reassured: UK life insurance broker arranging over-50s life cover, term life, and protection policies for individuals. Comparable as a high-volume UK life insurance intermediary competing for similar personal policy customers.
• Drewberry Insurance: UK protection insurance specialist focused on personal and business protection policies including Relevant Life, shareholder protection and income protection. Overlaps with Protection Experts on B2B protection and advisory-led service.
• ActiveQuote: UK whole-of-market protection insurance broker covering life, critical illness, income protection and private medical insurance. Direct peer on product range and independent brokerage model.
• LifeSearch: UK-based independent life and protection insurance broker comparing whole-of-market policies for individuals and business owners. Directly comparable to Protection Experts on product set (life, critical illness, income protection) and independent advisory model.
• Cavendish Online: UK-based insurance broker providing life, critical illness and income protection cover to individuals and business owners. Comparable on product portfolio, target customer segments, and FCA-regulated advisory positioning.

Others

• Legal & General: One of the UK's largest life insurers and an explicit partner of Protection Experts (cited as the source of the 'most Policies into Trust' endorsement). Not a competitor but a key carrier relationship and counterparty risk.
• Vitality Life: UK life and health insurer that distributes through advisers and brokers including Protection Experts (listed on its Members Area). A relevant ecosystem counterparty rather than a direct competitor.

Broad incumbents

• Aviva: Major UK life, health and protection insurer with direct and advised distribution channels. Comparable as a broad incumbent in the same product categories Protection Experts brokers into, with the ability to bypass brokers via direct channels.
• MoneySupermarket Group: UK price comparison and aggregator platform for life and protection insurance. Competes indirectly by enabling self-service comparison that compresses demand for advisory brokers like Protection Experts.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/theprotectionexperts
• LinkedInlinkedin.com/company/protection-experts

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Protection Experts