An innovative medical first approach to health and life insurance.
On average we save £7,474 over the course of the average key person policy term.
Why we are different
Eliminate barriers to obtaining health and life insurance by managing the complete customer journey. We mitigate health risks and identify the most competitive insurer based upon on your precise medical profile not basic indicative quotes.
Other Brokers
Mostly act like a comparison website and hand you over directly to deal with an insurer based upon speculative indicative quotes not your precise medical profile.
Managing the complete customer journey.
- Personal face to face meeting.
- Identify and understand your aims and concerns.
- Discuss protecting your financial priorities.
- We work for you and are completely transparent.
- Over 40 years of combined financial services experience.
- In depth knowledge of the complex nature of medical and financial underwriting.
- Extensive network of specialist legal, tax and financial advisers.
- Independent market access.
- Individually tailored products and solutions.
- A medical at a convenient time and location to suit you.
- National coverage with the ability to arrange medicals at home, work or a local clinic.
- Extensive network of specialist medical consultants and clinics.
- Dedicated team who source, book and coordinate your medical.
- Continued support and guidance if further medical information is required.
- Your precise medical data is anonymised and sent to every insurer.
- Direct access to the top underwriters at each insurer.
- Your medical data is assessed to highlight any areas of concern.
- We compile and present the financial case to your insurance.
- Insurer is identified based upon their feedback on both medical and financial underwriting.
- We advise you of the final terms that we have negotiated.
- We produce, compile and complete all the paperwork.
- Where necessary we will liaise with employers, family members, trustees etc.
- Once completed your cover is activated quickly and efficiently.
- We will forward packs containing all the relevant information to your clients.
- Main point of contact between client and insurers.
- Access to up to date industry news, products and regulation.
- In house research.
- Continued advice and guidance.
- Record keeping.
Protecting your business and family
Key Person Insurance – What would be the impact on your business if a key member of staff was to die or suffer a critical illness?
Shareholder protection – Would your business have sufficient capital to buy out an existing shareholder in the event of a death or suffering a critical illness?
Death in service (Relevant Life Cover) - Would you and your staff benefit from a tax efficient, individual company paid death in service insurance coverage that is portable and does not form part of your lifetime pension allowance (unlike conventional group schemes)?
Family Protection – What would the effect be on your family if either parent was to die or suffer a critical illness?
Mortgage/Loan protection – Would you be able to pay for your mortgage/loan repayments in the event of a death or critical illness?
Income Protection – How would your family cope if you were unable to work for a period of time?
Inheritance Tax - Are your children or grandchildren able to pay the tax associated with your estate in the event of your death?
- High cholesterol, raised blood sugar levels, liver function.
- Body mass index (BMI), raised blood pressure, lifestyle.
- Family history of heart disease, stroke, cancer and diabetes.
We work with our clients to help improve or mitigate the impact of the above conditions on the cost of their insurance.
HSL Assured is an independent, family-run, FCA regulated insurance brokerage with over 40 years of combined financial services experience.
Each member of the HSL team brings a unique experience to the company, whether that be decades of financial services experience, the military, creative arts, teaching or straight from university.
All of these life experiences conspire to create a company esprit de corps that drives innovation, integrity and the desire to find our clients the cover that best suits their needs. As a family business we know first-hand the importance of protecting your family and your business.
Leadership Team
Dennis, Co-Founder
Dennis is the co-founder of HSL Assured and is a survivor of aggressive prostate cancer. This experience coupled with a critical illness insurance payout led him to self-financing Healthscanlife and HSL Assured to highlight the link between early health detection and insurance. Dennis’s long career in insurance started as an underwriter with ANP in his native New Zealand, before joining J Rothschild Assurance (now St James’s Place). Dennis was one of the first principle partners and specialised in selling share purchase and keyman insurance to SMEs. Dennis’s primary role is business development as well as identifying new commercial ventures.
Wes, Corporate Adviser
Wes is the newest member of the HSL team after joining the firm in early 2016. Wes brings a wealth of knowledge to the team following his 12 years’ experience working within the insurance market both in the US and the UK. His career in insurance has seen him work with HNW individuals and families to working with corporates and SME’s. Wes has a varied book of clients spread across the UK, however his main focus is working with London’s leading and best known architectural firms.
Dom, Corporate Adviser
Dominic (Dom) joined HSL Assured at the back end of 2011. His particular focus is on advising Tech and Biotech businesses as well as SMEs. After Dom’s father, Dennis Guise, was diagnosed with cancer his outlook on life changed. It was this experience that has given Dom the passion to advise businesses and investors on the impact of a critical illness, and how the worst financial and emotional outcome can be avoided or overcome.
Deborah, Director
Deborah (Deb) has worked in the financial services industry for over 30 years and has worked with Abbey National, Henderson (now Henderson Global Investors) and St James’s Place, before co-founding HSL Assured with her brother Dennis in 2011. Deb’s principle role is to ensure HSL Assured’s professional standards are maintained throughout the business, with a particular focus on compliance. Deb is passionate about HSL and truly believes it to be a unique, client-focused business underpinned by integrity and service.
Hannah, Officer Manager
Hannah has been with HSL Assured since January 2012. As well as providing support to the advisers, she also acts as a direct link between insurance underwriters, broker consultants and our vast medical network. When she is not planning her next trip abroad, Hannah can be found exploring London or at a dance class.
Toby, Corporate Adviser
Toby joined HSL in 2011 not long after its inception. Since then he has been instrumental in helping the business grow on all fronts. His particular focus has been the development and growth of HSL’s Private Equity and M&A offering. Toby’s insightfulness and determination has seen him advise an ever growing number of investors of the need for ‘medical and key person’ due diligence on the management teams of businesses they are looking to back. Toby works closely with the leading UK lower mid/mid market Private Equity firms. Prior to joining HSL Toby served as a British Army Officer (Coldstream Guards) for 8 years and served extensively in front line roles in Iraq and Afghanistan.
Alec, Client Servicing Manager
Alec is our Client Servicing Manager and has been with HSL Assured since July 2014. He assists the advisers in obtaining indicative pricing, liaising with provider servicing teams, and ensuring that our clients are looked after in the long term. Alec is an avid Everton FC fan and in his spare time runs his own beer company.
HSL Assured partners with a distinguished list of both trusted healthcare providers and well established insurance companies.
As an independent insurance broker we are not tied to any one insurer. We partner with all of the major insurers so that we are able to offer our clients the most competitive costs and products. Our strong relationship with all of the major insurance underwriters means we can achieve terms quickly and efficiently.
Our partnerships with nationwide healthcare providers lets us conduct an internal pre-underwriting process to help control and decipher the brokering of health and life insurance. It also ensures that we can arrange a medical at a convenient location to suit you.
Deals, news and key facts you need to know.
Rayner Surgical Group (Phoenix Equity Partners)
HSL brokered the key person insurance.
Koh thai Tapas (Alcuin Capital)
HSL brokered the key person insurance.
Dovetail Games (Alcuin Capital)
HSL brokered the key person insurance.
Air Charter Service (Alcuin Capital)
HSL brokered the key person insurance.
Cuts ice (LDC)
HSL brokered the key person insurance.
Autins Group (IPO)
HSL brokered the key person insurance.
On clicking the above links you will leave the regulated site of HSL Assured Ltd. Neither HSL Assured Ltd, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.
Client testimonials.
Peter Ibbetson, Chairman of Small Business Banking RBS
“As a 60 year old with type 2 diabetes I assumed I’d be penalised, as has been the case with previous insurance applications. Yet HSL delivered cover for me at rates that suggested I was a fully fit 40 year old. They were empathetic, efficient and professional.”
Stephen Moss CBE, Chairman of Bibendum Wines and Springboard Charity
“I have found HSL Assured to be extremely professional – they really understand their area of the insurance market and what I liked was their ability to think outside the box and find solutions that worked well commercially as well as delivering the required cover.”
Andrew Harting, CEO, HWM Aston Martin
“HSL provides an end to end custom life assurance solution. From establishing the right product, arranging health checks, testing the market and delivering the right product at an attractive price, they offered a courteous, discreet and competitive service.”
Michael Simmonds, Partner, Risk Capital Partners
“We use HSL because they take control of the process. We are most likely to get the lowest premium and stand the best chance of covering specific risks. They are a professional agency and earn their fee.”
Simon Holmes, Golf coach to Major Champions and with 50 tour victories
“HSL's insurance advice has saved me £500 per month and I now have better cover for my family. My existing advisor wholeheartedly approved HSL Assured’s recommendations for life, critical illness and PMI insurance for my wife and myself.”
