Life Insurance & Protection Adviser in Sidmouth
Life insurance, critical illness and income protection for households in Sidmouth and across Devon. I compare the whole UK market and explain your options without jargon or pressure.
Protection Solutions
Comprehensive advice for individuals and families in Sidmouth and the wider Devon area.
Local Expertise
Sidmouth and the East Devon coast bring a blend of retirees, second homes, and local families; protection, inheritance planning, and steady investment strategies are common themes.
Independent financial advice in Sidmouth covers mortgages, protection, pensions and investments.
I also support people in nearby areas such as Exeter, Honiton, Axminster and Taunton, all on the same phone- and video-first basis.
Working with a local adviser in Sidmouth also means continuity, the same person through mortgage moves, protection reviews, pension changes, and investment decisions.
Based in Yeovil, I work with clients across Devon, mostly by phone and online, including Sidmouth and surrounding areas.
5★ average from 73+ public Google reviews, read verified feedback.
100%
Independent
100+
Lenders
10+
Years Experience
Life insurance for Sidmouth households is often arranged alongside a mortgage or when starting a family. I compare term assurance, decreasing cover for repayment mortgages, and family income benefit so premiums match real needs rather than generic bank defaults.
Critical illness policies pay on diagnosis of specified serious conditions, which is useful when dependants rely on your income. I explain differences between accelerated and additional cover and how definitions vary between insurers.
If illness or accident stops you working, income protection can replace a portion of earnings until return to work or retirement. That matters whether you rely on employer sick pay, statutory sick pay, or have no paid leave at all. I explain waiting periods, cover levels and how policies differ across insurers.
My Approach
Hi, I'm Michael Hawkins. I've been helping individuals and families across Sidmouth and the wider Devon area with their financial planning for years. As a completely independent FCA regulated financial Adviser, I offer whole of market access.
Why independence matters: Unlike restricted Advisers who can only recommend from a limited panel, I can search the entire UK market for the best product at the most competitive price.
I got tired of the old way of doing business, so I put years of experience into a system that makes life easier for both of us. Your client hub brings onboarding, factfinding, documents, messages, reminders, and reviews together in one place, while a practice engine behind the scenes keeps everything moving and cuts duplication and repetitive typing. Once you have tried it, going back to scattered emails and paper chasing rarely feels worth it. Pensions and investments follow the same hub model as mortgages and protection.
Learn more about my approach
Michael & Kiki
Sidmouth, Devon
Protection Solutions
Life insurance coverage
Critical illness protection
Income protection plans
Family income benefit
Mortgage life insurance
The Process
Free 30-minute introductory phone call
Needs assessment
Market research & comparison
Policy recommendation
Application support
Ongoing review
Why Choose Me
Protection designed specifically for your family's needs and circumstances
Access to the best rates through whole of market research
Clear explanations of complex policies and what they cover
Knowing your loved ones are financially protected
Also Available in Sidmouth
Quick answers
By phone and video, I normally start with a free 30-minute call. Your client hub keeps the journey clear from wherever you're based in Sidmouth or the wider Devon area, without logistics getting in the way.
Yes. I work across Somerset, Dorset and Devon, with Sidmouth as one of the areas I support regularly. I also support people in nearby areas such as Exeter, Honiton, Axminster and Taunton, all on the same phone- and video-first basis.
Yes. I am FCA-regulated and whole of market; recommendations come from the full UK market, not a restricted lender or provider panel. I am based in Yeovil and serve Sidmouth and surrounding Devon areas.
Typical reviews in Sidmouth and wider Devon include mortgage life cover, family life insurance, critical illness and income protection, especially where households rely on one income or self-employment. Cover is matched to your mortgage, dependants and budget with quotes from the full UK protection market.
Lenders often require buildings insurance; life and critical illness cover is usually optional but sensible when dependants rely on your income. I align cover amounts to your mortgage and family needs.
Premiums depend on age, health, cover amount, and term. Comparing the whole UK market from Sidmouth typically finds better value than single-insurer bank products.
I got tired of the old way of doing business, so I put years of experience into a system that makes life easier for both of us. Your client hub brings onboarding, factfinding, documents, messages, reminders, and reviews together in one place, while a practice engine behind the scenes keeps everything moving and cuts duplication and repetitive typing. Once you have tried it, going back to scattered emails and paper chasing rarely feels worth it. Pensions and investments follow the same hub model as mortgages and protection.
Testimonials
Below is a sample of feedback. There are also 73+ verified 5-star reviews on Google from clients across the South West.
"Michael helped my husband and I set up my Life Insurance policies after a bad experience with another provider. He was superb throughout and kept me up to date."
Lorraine Eadie
"I go to Michael for life insurance. He made it so easy and clear, and walked me through the process. Would highly recommend!!"
Gemma Stunt
"Sorting out insurance offers, getting me sorted with my life insurances as well. His expertise, honesty, transparency and personalized advice was second to none!"
Esther
"Michael was always very responding and flexible. I also received competitive quotes for income protections which I am going to sign up to. Highly recommended!"
Maciej Kurkowski
Ready to start?
Start with a free 30-minute phone call, or message me to discuss your insurance needs.
