I know people whose lives were turned upside down overnight after receiving an unexpected diagnosis.

Perhaps today, you can’t even imagine that something could happen to you. It seems like you’ll always be there for your children because these kinds of things only happen to others. You probably don’t have the time to deal with paperwork and documents, and you might think there’s still plenty of time to consider it. Many of my clients have told me that without insurance, they would have lost everything they had worked so hard for over the years. You might not realize it, but insuring yourself and your loved ones doesn’t have to be expensive or complicated, as long as you receive the right advice and support.

If you haven’t yet taken steps to protect yourself and your family, you’re in the right place. Together, we’ll review your needs, priorities, and options, and I’ll help you find solutions that fit comfortably within your chosen budget.

What will you gain by choosing my advice?

Failing to take action means losing valuable time and increasing the risk that, before you manage to get insured, your health may deteriorate, unintentionally worsening your situation. This could reduce your chances of getting approved and securing the best offers. As a result, insurance options may become more limited or unavailable, include exclusions, or come with higher costs. Furthermore, if you don’t secure your protection in time, it may already be too late for your family. It’s also important to remember that your age significantly affects the availability of offers and the competitiveness of prices.

What do my clients say about my services?

Why choose me?

I know what it’s like to struggle with both loss and a lack of financial resources. While nothing can protect us from losing loved ones, accidents, or illnesses, we can prepare for these situations as best as possible. I want to help you face life on equal footing. I don’t want to see more families lose their homes, which they worked so hard for, or parents struggle with a lack of funds just because dad or mom had a hernia or a broken leg. Difficult, and even tragic, situations are a part of life, but it’s up to us whether they destroy our lives and the lives of our loved ones, or become just another challenge we can get through on fair terms.

The problem of how we will cover the cost of a loved one’s funeral, how to pay off a mortgage in the event of the death of a spouse, or whether we have the means to take time off work to care for a seriously ill child or provide for their treatment — all of this should be managed by insurance companies, not left on our shoulders. After all, that’s what they are there for. I’ve been in your position before. The range of available options was completely overwhelming. Not only did I not see the need for insurance, but I also didn’t understand how it worked, what the companies’ complicated terms meant, or how much these policies were truly worth, especially since they were going to take up my hard-earned money.

That’s why, today, when guiding clients and advising them, I rely not only on the knowledge I’ve gained over the past 11 years in this industry but also on my personal experience, the experiences of my clients, and empathy, with a genuine care for their best interests.

I guide my clients by thoroughly explaining the available options and how they work. I help set priorities and budget, and I provide full information about all the pros and cons of the available solutions, so that they can make an informed decision, knowing all the facts. My support doesn’t end with choosing the right options; I’m there throughout the process of obtaining compensation — from beginning to end. Working with me is a long-term partnership, not just a one-time policy purchase.

GET TO KNOW THE INDIVIDUAL STAGES OF WORKING WITH ME:

1. Consultation – Every collaboration with a new client begins with understanding their individual situation. We discuss your needs, expectations regarding the scope of insurance, budget, and future plans.
2. Detailed Explanation of Options – I will present the available insurance options and explain each one in detail, so you can set your priorities consciously. I will answer all your questions and clarify the available add-ons and policy extensions.
3. Setting Priorities – With my help, you will establish your priorities to focus on what is most important. Whether we start with a single policy or a combination of several options for full coverage, the aim is to ensure comprehensive protection.
4. Setting the Budget – You decide on your ideal budget, and I will show you what we can achieve within that amount. There will be no pressure to increase spending. I will, of course, present different options if you are unsure of the optimal amount or if you wish to adjust it. We will carefully analyze what you gain and what you might compromise on, depending on the final premium. 
5. Full Market Research – After setting the priorities and budget, I will search the market to find solutions best suited to your situation. I am an independent adviser and have access to the whole of the available market for intermediaries. I will advise you on which companies and policies offer the best protection for your needs and which options are the most advantageous. Together, we will then decide on the final structure of your policy or insurance package.
6. Personal and Medical Questionnaire – I will conduct an interview with you to collect the necessary personal and medical information. Based on this, insurance companies will decide whether to approve the policy under standard terms. If there are changes or additional requirements, we will discuss them in detail and consider possible options.
7. Email with Documentation – Before submitting the application, I will send you an email with all the agreed details and documents — a personalized offer. This way, until the decision and documents from the company are received, our arrangements will always be at your fingertips.
8. Application – I will submit the application on your behalf and answer any questions from the companies. Once a decision is made, I will keep you informed about the process, approval, or available options. After the terms are accepted, you will receive all your insurance documents directly from the company
9. TRUST – If this is part of our agreement, I can fill out the TRUST on your behalf during the application process, or send it to you to complete on your own. Of course, I will assist you in filling it out and explain how it works.  
10. Ongoing Contact – Once the insurance is in place, we stay in touch throughout the entire term. I am at your disposal in case of any changes, such as a change of address, personal details, or the need to modify the coverage.
11. Claim Submission – If there is a need to submit a claim, I am available to assist with the process, order the necessary forms, or help in filling them out.

Is this service for you?

Is this service for you?

YES, IF:

NO, IF:

You know, I once didn’t believe that insurance was important, let alone necessary. Before I started working in this industry, I didn’t have any insurance myself because, as a young and healthy person, I never considered that something could happen to me. To others, maybe, but certainly not to me!

I understand that you might now be thinking that the cost of insurance could be too high, and the paperwork too time-consuming. But remember, I’ll handle all the formalities after our meeting, and the price will be adjusted to fit your budget — not the other way around. I’ll take care of the paperwork, and you can focus on your life, hobbies, and family — the things that truly matter and that we will be protecting.

My clients often weren’t aware of how insurance works in the UK, what options they have, and how much it can support them during difficult times in life. Many people have painfully learned that unexpected events don’t just happen to others — they can happen to us too. Fortunately, many of them had already met with me, which meant their bills were paid, their children were taken care of, and their mortgages were repaid.

Are you ready?

If you still have doubts, here are a few stories of my clients who managed to get through very difficult life situations:

I won’t describe any of these stories in detail because relying on insurance is often connected to challenging experiences. I don’t want my clients to have to relive their tragedies by reading similar stories, even if they aren’t their own but merely resemble what they went through. I simply want to show that, although life can bring us dramatic situations, the consequences could be far worse without the protection that insurance provides. All names have been changed for the purposes of this message.

Mr. Bogdan lived alone, without a family to support but also without any financial backing. He didn’t have savings that would allow him to survive for more than a month. After being diagnosed with a hernia, it seemed like an uncomplicated issue, but he had to wait 3 to 5 months for surgery. His doctor advised him to avoid physical work, but Mr. Bogdan worked in a factory and couldn’t change to lighter duties. He only managed to obtain Employment and Support Allowance after 3.5 months of trying. If it weren’t for his income protection policy, he wouldn’t have had enough to live on by the second month, let alone pay his bills without taking on debts that he would likely spend years repaying. Thanks to his insurance, he was able to spend 5.5 months on medical leave, recovering after surgery, and return to work when he was fully ready.  

Patrycja & Szymon went through a tragedy in the 8th month of pregnancy when they lost their beloved child, and Patrycja barely survived. Neither of them was able to work or handle the formalities connected to this painful event. Their insurance package covered the funeral costs, provided financial support during their sick leave, and covered family therapy, which helped them come to terms with their loss.

Justyna & Rafał received a sudden, tragic diagnosis while raising two young children. They did everything they could, but Rafał ultimately lost his battle with the illness. Thanks to their insurance, the family’s mortgage was paid off, the children’s future was secured, and Justyna had time to grieve without financial worries — all because we had taken care of their financial security in advance.

Magda & Michał didn’t know what was wrong with Michał, but persistent pain prevented him from working for many months. Eventually, it was discovered that he suffered from a spinal condition that required surgery. One income was not enough to cover the household, mortgage, children, and daily expenses. Michał is still waiting for the surgery, and it has been over a year. Michał’s income protection policy allowed them to survive and not lose everything they had worked so hard for over the years.

Get in touch and let’s get started!

To benefit from my advice, simply schedule an online meeting using the automated calendar or just give me a call! Most of my work is done online, as I serve clients from all over the UK — from London, through Manchester, Scotland, and Pembrokeshire, all the way to Cornwall. Distance is not an issue as long as you have access to a phone or the internet. However, if you live in my area, we can, of course, meet in person.

What you get:

• High-quality service.
• Access to the whole of the available market for intermediaries.
• Unlimited time for consultations, explanations, and answering questions.
• Quick and efficient preparation of documentation — from the first email, through the application, to the complete documentation sent to insurance companies, as well as prompt responses to any additional inquiries from insurers.
• Consistent and effective communication from the beginning to the end of the insurance period.
• Maximization of your chances of obtaining compensation.
• My experience, which will help you choose the best options for your individual needs.
• Handling most of the paperwork and document preparation, allowing you to focus on yourself, your family, and your work.
• Support in answering any questions you may have — I am already familiar with most of them, and for the rest, I will find answers as quickly as possible. Searching for this information on your own could take a lot of time and may not always give satisfactory results.
• Access to offers that are not directly available to customers.
• Finding the most advantageous option from among hundreds of different offers.
• Guidance through the entire process of obtaining compensation.

You may have noticed that more and more people around you are taking care of their future by securing themselves and their loved ones with personal insurance, while you keep postponing this decision. It’s time to break out of this stagnation and take a step toward greater peace of mind and stability. Are you worried about your family’s future and don’t want to burden them with unnecessary stress? Do you wonder what would happen if an unexpected event affected your life or health? There is never a wrong time to take care of yourself and your loved ones. Knowing which personal insurance is best for you and what steps to take to choose it will help you feel secure. Right now, is the perfect moment to gain peace of mind and ensure the future for yourself and your loved ones!

Take a step forward and learn more

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