Protection.Without the racket.
No pressure. No insurance offers you can't refuse - just clear, unbiased, no-obligation protection advice you can feel confident in.
Trusted by hundreds of clients across Somerset, Dorset and Devon - no hand kissing required.
My approach
I got tired of the old way of doing business and built a system that makes life easier for both of us. You fill things in once, everything stays in one thread, and once you have tried it, going back rarely feels worth it.
Insurance solutions
Navigate through clear, practical protection guidance - from life cover to specialist insurance.
Why Choose My Protection Service
Over a decade of experience helping South West residents secure comprehensive protection for their families. I help you choose life, income, and critical illness cover that fits your situation.
Whole of Market Access
I'm completely independent - not tied to any insurer. I search the entire UK protection market, comparing products from all leading insurers to find you the best cover.
Complete Independence
Unlike restricted Advisers who can only recommend products from a limited panel, I can access every insurer - ensuring you get the right protection at the best price.
10+ Years Experience
Over a decade helping people secure comprehensive protection across Somerset, Dorset, and Devon. I understand the market inside and out.
FCA Regulated
Fully authorised and regulated, giving you complete peace of mind and consumer protection. Your interests come first, always.
What clients say
Rated 5.0 from 73 reviews
"Michael helped my husband and I set up our Life Insurance policies after a bad experience with another provider. He was superb throughout and kept us up to date with the various stages along the way."- Lorraine Eadie
"We went to Michael for life insurance. He made it so easy and clear, and walked us through the process. Would highly recommend!!"- Gemma Stunt
"Sorting out insurance offers, getting us sorted with our life insurances as well. His expertise, honesty, transparency and personalised advice was second to none!"- Esther
"Michael was always very responding and flexible... We also received competitive quotes for income protections which we are going to sign up to. Highly recommended!"- Maciej Kurkowski
Insurance resources
Expert guides and tools to help you make informed decisions:
Insurance knowledge hub
Honest answers to common protection questions.
How much life insurance do I need?
A common rule of thumb is 10 times your annual income, plus enough to cover your mortgage and any large debts. I'll help you calculate an exact figure.
What's the difference between level and decreasing term?
Level term pays out a fixed amount. Decreasing term payout reduces over time, typically matching a repayment mortgage balance. Decreasing is often cheaper.
Is critical illness cover separate?
It can be bought on its own or added to life insurance. It pays out if you're diagnosed with a specified serious illness, helping you focus on recovery.
Should I write my life insurance in trust?
Often yes. A trust ensures the payout goes to your chosen beneficiaries quickly and typically keeps it outside your estate for Inheritance Tax purposes.
Will you help with the application?
Yes, I handle the application and help with any 'medical' questions from insurers, ensuring the process is as smooth and simple as possible.
What if I have health issues?
Many people with pre-existing conditions can still get cover. I work with specialist insurers to find the best possible terms for your situation.
Ready to take the next step?
Whether you're arranging a mortgage, protecting your family, or planning for the future, I'm here to help you make clear, confident decisions.