- Family Protection Specialists
- Get Free Tailored Advice
- Baby Academy Benefit
- 22+ Years Experience
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Protect What Matters Most - For You and Your Growing Family
Free, expert insurance advice for Baby Academy UK parents.
When you signed up for your Baby Academy class, you were entered into a prize draw and agreed to hear from trusted partners offering support for new and expectant families.
We’re The Introducing Broker Finance Hub, specialists in helping parents understand what protection they have, what they might be missing, and how to secure the right cover without pressure or jargon.
We’re on a mission to close the protection gap for growing families.
Too many people think they’re covered – until they need to claim. We make sure you’re not one of them.
- Whether you're planning for your first child or building a family, we help you put the right safety nets in place
- Various Cover Options from Life Cover, Children's Cover, Critical Illness or Private Health
- There’s no cost for our advice — this is an exclusive, free service for Baby Academy parents.
Is this service really free?
Yes. This service is completely free for Baby Academy parents. There’s no charge for our advice, guidance, or policy reviews. If you decide to take out a policy, you’ll only pay the premium set by the insurer — nothing extra, and no hidden fees.
What happens when I book a call?
We’ll ask about your situation — whether you’ve already got cover or you’re starting from scratch.
We’ll explain your options in simple, jargon-free terms.
We’ll give you a personalised recommendation — and you decide what, if anything, to do next.
We often hear:
“I wish I’d done this sooner.”
“This was much easier than I thought.”
“No one explained it like that before.”
Can I get cover that includes pregnancy or my child?
Yes — and it’s often overlooked. Some insurers, like Zurich and Guardian, include pregnancy complications and early childhood illness as part of their critical illness cover. You can also add children’s cover from as little as £1.25 a month, which pays out if your child is diagnosed with a serious condition like cancer or meningitis. We’ll show you exactly which options offer this — and which don’t.
What happens if I already have life insurance through work?
Workplace cover is a good start, but it rarely goes far enough. It often ends if you change jobs, doesn’t include children’s benefits, and typically doesn’t pay out for critical illness or income protection. We’ll check your current cover and help you spot any gaps — so you’re not caught out when it matters most.
I already have life insurance — do I still need this?
Possibly not — but it’s worth checking. We offer a free review to see if your policy:
Is written in trust (to avoid delays and IHT tax)
Includes children’s or pregnancy-related cover
Still fits your current family setup
Most people are surprised by what their policy doesn’t include. We’ll explain what you’ve got and whether it’s still working for you.
HOW THE INTRODUCING BROKER WORKS
Get life insurance in 3 easy steps
Book your free no obligation 30 minute discussion with one of our protection specialists to review your circumstances
Get A Quotation
We’ll walk you through your options, discuss available deals, and help you compare plans for the right life insurance protection.
Get Covered
Complete an application with us. It really is that straightforward! We specialise in hassle-free, pressure-free protection services. Start your quote today.
Reasons to get a quote
No loaded premiums
Unlike many, we're directly authorised meaning that we can offer you rates with no loaded premiums or additional charges.
The right advice
90% of people buying online without advice buy the wrong policy, we'll find you the right cover the first time around.
Annual reviews
We'll conduct a review to make sure you're still paying the right price for your specific situation, only pay for what you need.
Quote & after care
Our policies provide valuable membership benefits, including 24/7 private virtual GP services and much more.
Whole-of-market
Unbiased and personal advice, we have access to a complete panel of all the leading providers meaning you'll get the right one that is best for you.
Why New and Expectant Parents Speak to Us
When you’re growing a family, you start thinking differently. What would happen if you couldn’t work? If you got seriously ill? If your partner had to manage everything alone?
These aren’t nice questions. But they’re responsible ones.
Most new parents don’t realise how affordable good cover is — or how much peace of mind it brings when it’s done properly.
We work with the UK’s most trusted insurance providers including brands such as:
Zurich, Legal & General, Royal London, Aviva, Guardian, and Scottish Widows.
We’re not tied to any one insurer, so we’ll only ever recommend what’s best for you.
Many of our clients start with a free review of their existing policy. In most cases, they’ve been surprised by:
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Missing children’s cover
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Lack of pregnancy or birth-related benefits
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The fact their life insurance wasn’t written in trust — which can create delays and tax problems later on
How Do You Know If You’re Properly Covered?
Most people don’t.
Here are a few questions to think about:
Is your current life insurance policy written in trust?
Does your cover include your children or future children?
If you stopped working due to illness, how long would your savings last?
Would your partner be able to manage the household finances alone?
Do you know what your policy actually includes — and what it doesn’t?
If any of that is unclear, it’s worth booking a 15-minute call with us. We’ll talk through your situation and let you know where you stand — no sales pitch, just facts.
What makes us different?
We’re family protection advisers — not salespeople.
We don’t work for the insurer. We work for you.
We’ve helped hundreds of Baby Academy parents take out cover that fits their real-life needs, not a checklist. We know the difference between a policy that looks good on paper and one that pays out when your family needs it most.
You won’t get generic advice, off-the-shelf plans or hard selling. You’ll get one adviser, who listens, explains and supports you all the way through.
We’re also FCA regulated, which means we follow strict standards of professionalism, honesty and transparency.
Why Speak to a Broker Instead of Going Direct?
Some of the best insurance options aren’t available if you go directly to an insurer or price comparison site. As a broker, we have access to exclusive cover levels, better features, and family-focused options that aren’t available to the general public.
Example: Legal & General’s Enhanced Critical Illness Cover
This version of L&G’s cover is only available through advisers like us, and includes:
Children’s critical illness cover as standard — covering 95 conditions
Enhanced pregnancy cover for serious complications
Optional upgrade to include children’s terminal illness and death benefit
Flexible upgrade options as your family grows
Access to Wellbeing Support Services including mental health and recovery care, provided by RedArc Nurses
These aren’t visible on comparison sites, and many parents don’t know they exist until they speak to a broker.
The Most Common Gaps We See in Family Cover
Even when people already have life insurance or workplace protection, we regularly see important elements missing:
No children’s critical illness cover
Policies not written in trust, meaning potential tax issues and delays
Pregnancy complications not covered
Low income protection levels, or none at all
Unclear or outdated policy terms
You might think you’ve got it sorted — but unless it’s been reviewed recently, there’s often room to improve your protection without spending more.
Cover That Grows With Your Family
Your life changes quickly with a growing family — and your protection should keep up.
We help Baby Academy parents get flexible policies that allow you to:
Increase your cover when you have another child, take on a bigger mortgage, or change jobs
Add children’s benefits as they grow
Review your policies every couple of years to make sure they’re still right for your situation
Many of the insurers we work with offer “guaranteed insurability” — meaning you can increase cover without needing to answer new health questions when your circumstances change. That’s a huge advantage when planning ahead.
But... Why Should I Have Cover?
Because life doesn’t warn you.
You don’t get a heads-up before an illness, an accident, or the unthinkable. You get a diagnosis. A phone call. A moment where everything changes — and you realise how much your family relies on you being okay.
Insurance is about making sure that, even if the worst happens, your family’s world doesn’t fall apart financially.
Would your partner manage the bills if your income stopped overnight?
Could you afford months off work to care for a seriously ill child?
If something happened to you, how quickly would your family get the help they need — or would they be stuck waiting for probate, chasing paperwork, or dealing with financial stress on top of everything else?
Insurance isn’t about fear. It’s about responsibility. It’s about taking a small step today to make sure your family is protected — even when you’re not there to do it yourself.
And for most families, it costs less than your takeaway night.
Case Study: How One Family Got Covered — Properly
Sarah and James are parents of two young children, with a £270,000 mortgage and a busy life balancing work, childcare and everything in between. James is self-employed and brings in most of the household income, while Sarah works part-time. They thought their work benefits and an old policy were enough — but after speaking with us, they realised some important gaps.
We helped them set up joint life insurance to cover the mortgage and provide a financial cushion for the family. James also took out income protection, replacing £2,000 a month if he’s ever unable to work due to illness or injury. They added children’s critical illness cover, giving them up to £25,000 if one of the kids faces a serious diagnosis. Zurich’s critical illness plan also gave Sarah peace of mind with cover for pregnancy complications and early childhood conditions.
To complete the plan, they added private medical insurance — giving the whole family faster access to diagnosis, consultants and treatment if ever needed.
Now, everything’s in place: the policies are in trust, children are covered, income is protected, and healthcare is backed up. It’s proper protection, tailored to real life — and it took less than an hour to sort.
Buying with Us Just Makes Sense
Features
Personalised To Your Family
Access to exclusive Child related benefits
Adviser Only Exclusive Enhanced Policies
Assistance With Claims
Regular Policy Reviews
Policy Placed In Trust Free of Charge
Help With Complex Insurance Jargon
The Introducing Broker Finance Hub
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What's included?
Life Event Coverage*
- Mortgage payment coverage in case of death
- Support for funeral expenses
- Financial protection for your loved ones future
- Benefit payouts to family or designated beneficiaries
Health Protection*
- Tailored coverage for your current health status*
- Financial support for terminal illnesses & children's cover
- Critical illness coverage (like heart attack, cancer, stroke)
- Access to a network of health experts, GPs, and wellness benefits
Secure Future*
- Financial protection if death occurs within the policy term
- Flexible coverage that grows with your needs
- Choice of whole-life or term-life insurance
- Optional add-ons for accidental death or injury
Verified client reviews
Rated 'Excellent'
Get started today and request a quote
To get started, book a call-back, or give us a call directly.
We answer your questions
We offer unbiased advice, access to exclusive lower rates, ongoing support, policy reviews, and help with claims, ensuring you get the best coverage at no added cost.
No, we do not charge any fees or add costs to your premium. Our advice is completely free for you, and we are paid a commission by the insurer. With transparent pricing and no loaded premiums, we ensure you get the most competitive rates. Rest assured, we’re regulated to provide fair and trustworthy advice.
As a whole-of-market broker, we compare options from all leading providers to ensure you get the most competitive and suitable policy.
Our advisors explain all terms in simple language and guide you through each part of your policy, ensuring you fully understand your coverage.
Absolutely. We assist our clients with claims to make the process as smooth and stress-free as possible, providing support at every step.
Coverage start times vary by policy and provider. In many cases, coverage begins shortly after approval, often within a few days. Our team will keep you informed on your start date as we process your application.
We offer a range of policies, including term life, whole life, and specialised options like critical illness coverage. Our advisors can help you select a policy tailored to your specific needs and budget.
Yes, placing your life insurance policy in trust can help your loved ones avoid inheritance tax on the payout. We offer this at no extra cost.
The Introducing Broker Finance Hub Ltd is authorised and regulated by The Financial Conduct Authority. Registered in England & Wales (company number: 15585742). Registered Office: Unit 4 Cumbrian House, 217 Marsh Wall, Canary Wharf, London, E14 9FJ.
The Introducing Broker Finance Hub Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 1015383.
PLEASE MAKE BORROWING DECISIONS CAREFULLY, YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU CANNOT KEEP UP AGREED REPAYMENTS ON ANY LOAN OR MORTGAGE SECURED ON THAT PROPERTY. AS WITH ALL INSURANCES, CONDITIONS AND EXCLUSIONS WILL APPLY. WE ARE A CREDIT BROKER, NOT A LENDER.
The FCA does not regulate some forms of buy to lets, commercial mortgages to limited companies, wills, trusts or estate planning.
There will be a fee for mortgage advice. Our fee structure ranges from £495 – £1495 depending on individual circumstances and lending scenario, please request a terms of business for full details. However, we will discuss and agree a fee with you prior to submitting any mortgage application.
We always aim to provide a high quality service to all our clients. However, if you encounter any problems and we are unable to resolve them within our complaints process, you can take your complaint to an independent ombudsman. You can visit the Ombudsman website by clicking here.
Our privacy notice provides information on how we and any of our subsidiaries, and any 3rd party providers collect, use, secure, transfer and share your information. The Introducing Broker Finance Hub Ltd is a mortgage and insurance intermediary firm and we will collect information directly from you. View our privacy notice.
THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THIS WEBSITE IS SUBJECT TO THE UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CONSUMERS BASED IN THE UK.