Our Mission

All You Need Protection provides you with straight talking Insurance Advice by explaining all industry jargon so that you are 100% clear on the insurance that is right for your need.

Our advice is unbiased as we talk you through the full products, features and benefits available from a whole of market panel of insurers, giving you the knowledge to make the right choice.


  • Quick and Simple - No lengthy paperwork.
  • Straight talking - Easy to understand.
  • Stress Free - Hand held service from beginning to end.
  • Zero fees – All you will pay is the premium on your policy.

Whether you are an Individual, Couple, or a Family, All You Need Protection has all the tools you need to help you get the right cover for you and your family.

Our Services

The most important things in the world are family and love.

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Whether you're a single parent, new family or well-practised parents, having the right cover in place is so important to ensure you or your loved ones are able to live on during or after a crisis. And it’s not always the main breadwinner that needs to be insured….

Most common questions asked by families;

Who should be covered, me or my partner?
There are two scenarios to consider when looking at family cover. Insuring those that earn makes total sense, however in some cases the stay at home parent is just as important to insure. Give some thought to the impact of the house person being unable to do the school runs, daily household chores and the taxi runs for the kids? ​

Why do I need family cover?
Whether it’s your kids or partner who is dependent on you, financially or not, Life Insurance, Critical illness Cover and Income Protection will provide you with the money needed for your family to get by should any of you have an illness or injury, or even worse pass away. ​

We both have good jobs so do we need any cover?
Having two incomes is great whilst you are both able to work, but what impact would it have on you financially if one of you all of a sudden can’t work? Understanding your work benefits such as your sick pay entitlement, as well as the state benefits, will enable us to identify whether you need to look at any insurances to financially support you and your family, should anything bad happen. ​

What type of insurance do I need?
This really depends on your own circumstances. Life Insurance is there for the worst case scenario, whilst Income Protection or Critical illness Cover are there for the more likely scenario of being seriously ill or injured. By helping you understand what help you get from your employer as well as the state benefits you're entitled to, we can talk you through your options that are most appropriate for you.

​Have a question for us? Here at All You Need Protection we get that everyone’s circumstances are unique, and that one policy doesn't fit all, so we pride ourselves on building a policy that is right for you. Contact us on 01702 908 600 or hello@allyouneedprotection.co.uk so we can talk you through your options.

Look after number one!

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You may think that by not having a partner or children who are financially dependent on you, insurance isn’t necessary, however you could be missing a trick... What about looking after number one!? Give some thought to how you would pay your rent or mortgage, plus other regular monthly commitments, should your income stop?

​Whilst Life Insurance or Critical Illness may not be as significant (although can be recommended in certain circumstances such as protecting a long term debt like a mortgage), Income Protection is the perfect solution for you if you would not be able to continue to pay your mortgage/rent plus other outgoings, in the event of you being unable to work through illness or injury.

Most commonly asked questions;

Why do I need insurance if it’s just me?
Whilst there are a number of areas to consider, your income is likely to be the most important thing to you right now. ​Imagine it stopping, how would you pay for anything? Income Protection allows you to pay your bills and creditors, whilst also protecting your credit score. ​

​​How do I find out what benefits I get from my employer?
You can usually find your employee benefits either in your contract of employment, employee handbook or by contacting your HR department. Talk to one of our advisers who can help break down any work benefits you receive.

How much will have to pay each month?
The monthly premium will depend on several things, such as how much cover you take, the term, your health and lifestyle. By speaking to All You Need Protection we can build a policy suitable for you, and a budget. ​

I am self-employed; will I pay a higher premium because of this?
Being self-employed does not necessarily mean you will have to pay more for a Life Insurance, Critical illness or Income Protection policy. Certain occupations can mean higher premiums, such as someone working at heights of 100 feet either employed or self employed, so this will be taken into account when we put together a policy. Having access to a whole of market panel of insurers gives us the flexibility to pick the right provider for you. ​

​Have a question for us? Here at All You Need Protection we get that everyone’s circumstances are unique, and that one policy doesn't fit all, so we pride ourselves on building a policy that is right for you. Contact us on 01702 908 600 or hello@allyouneedprotection.co.uk so we can talk you through your options.

Cash in the bank when you can’t work through no fault of your own.

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What is an Income Protection policy?
​A policy that would replace your income, in the scenario that it was to reduce or stop all of a sudden, through illness or injury. ​

Who is Income Protection for?
​Anyone who is Employed or Self Employed, that would struggle to pay their regular commitments if their income reduced or stopped because of an illness or injury. In both scenarios you need to be aware of the help that you may or may not receive from your employer as well as the state benefits, as this will be taken into account when considering an Income Protection policy. We can talk you through all the state benefits and help you understand your contract of employment, to ensure you are not over insured and have a policy in place that is most appropriate to you. ​

How much will Income Protection cost?
​Like other insurances, age, occupation, health and lifestyle will have an impact on the price you pay. More importantly it will depends on how much you insure yourself for. This can be worked out by looking at your outgoings, how quickly you need the benefit to pay, and how long you would need to receive the benefit for. All You Need Protection can talk you through all the options available so you are 100% certain the policy is right for your unique situation. ​

When should I take out Income Protection?
​Like other insurances such as Life Insurance and Critical illness Cover, age plays a big part in the price you pay so by arranging a policy sooner rather than later, will mean you get a lower price. We recommend you look at Income Protection when you have regular monthly commitments such as monthly rent/mortgage, car loans and other living costs, that you wouldn’t be able to pay in the event of your income reducing or suddenly stopping through no fault of your own. ​

How long should I take out Income Protection for?
Income Protection can be taken out for a period of time, such as a mortgage term, or for the duration of your working life i.e. up until an expected retirement age. The term can play a part in the price you pay each month, so should be carefully considered when looking at an Income Protection policy. Our advisers will make sure your policy is right for your circumstances.

I am self-employed; will I pay a higher premium because of this?
Being self-employed does not necessarily mean you will have to pay more for a Life Insurance, Critical illness or Income Protection policy. Certain occupations can mean higher premiums, such as someone working at heights of 100 feet, but the price would be the same whether you are employed or self-employed. All of this will be taken into account when we put together a policy and by having access to a whole of market panel of insurers, this gives us the flexibility to pick the right provider for you. ​

​Have a question for us? Here at All You Need Protection we get that everyone’s circumstances are unique, and that one policy doesn't fit all, so we pride ourselves on building a policy that is right for you. Contact us on 01702 908 600 or hello@allyouneedprotection.co.uk so we can talk you through your options.

Money for you, your children or business, when you need it the most.

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What is a Critical Illness?
Unlike a Terminal Illness found with most Life Insurance policies, a Critical illness is more of a life changing experience rather than life threatening (although in some cases a critical illness can be life threatening). Every insurer has their own list of Critical illness definitions, so selecting the right insurer is vital to getting the correct cover in place.​ ​

How does Critical Illness Insurance work?
​It pays out a lump sum to the insured person, on diagnosis of a critical illness. Nowadays insurers have their core cover which will result in you receiving 100% of the policy pay-out. There are also additional payments which will usually pay a percentage of the sum assured in addition to the core cover, depending on the condition, plus partial payments where again there will be a percentage pay-out. Partial payments can be taken from the original policy amount so this is something to be aware of when considering Critical illness Cover. Most providers will also cover any dependent children under their critical illness definitions, but isn’t always included as standard (and will cost extra). If having your children covered under the policy is important to you, our advisers can talk you through the different options to ensure you have the most appropriate policy in place. ​

​What is Critical Illness Cover used for?
​Critical illness Cover is a policy to support you, your family or business, through life changing moments. It can be used for a number of things such as clearing a mortgage, replacing an income or simply providing the funds needed for the person insured to get on the road to recovery. ​ ​

How much does Critical Illness cover cost?
​The price, like most other insurances, will depend on a number of things such as age, sum assured and the policy term. All You Need Protection will be able to take in to account all of these things meaning you get the most appropriate insurer recommended for you. ​

​How long should I take out Critical illness cover for?
​This will depend on what you what to achieve from your policy. It could be that you require something in place until an expected retirement age, for a term of your mortgage or other debts, or just to cover you whilst your children are financially dependent. The term of the cover will also determine how much you pay each month, so by speaking with All You Need Protection you can be sure you’re paying the right price for a policy that’s right for you.

​Have a question for us? Here at All You Need Protection we get that everyone’s circumstances are unique, and that one policy doesn't fit all, so we pride ourselves on building a policy that is right for you. Contact us on 01702 908 600 or hello@allyouneedprotection.co.uk so we can talk you through your options.

Helping others win the lottery, when they need it the most.

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What is Life Insurance?
Life Insurance is a policy which will pay out a lump sum when the person insured sadly passes away. Most Life Insurance providers will also payout should that person become Terminally ill, which is known as Terminal Illness benefit; however there are some restrictions with this depending on the insurer you chose so it's always best to check. ​

Who is Life Insurance for?
Life Insurance is for the benefit of others who will suffer a financial loss should the person insured sadly pass away. ​

When should I take out Life Insurance?
Like most insurances, age plays a big part on the price you pay so the sooner you obtain it, the cheaper it will cost, however taking out a Life Insurance policy without a need for it, could mean you’re paying for something you don’t really need. A Life Changing event will usually prompt people to look at Life Insurance, such as; Moving out of the family home, starting a family, taking on a mortgage / other debts, or a business protecting their Profits or Shareholders. ​

How much will Life Insurance cost?
There are a number of things that will impact the price you pay. The amount of cover you opt for, the term, your age, health, occupation as well as dangerous hobbies and past-times, so these will all be taken into account when selecting an insurer. ​

How long should I take out Life Insurance for?
Usually there two options. Life Insurance can be set up over a number of years (Term Assurance), to match a debt or age of someone, or it can be set up to carry on until you pass away (Whole of Life). ​

​Have a question for us? Here at All You Need Protection we get that everyone’s circumstances are unique, and that one policy doesn't fit all, so we pride ourselves on building a policy that is right for you. Contact us on 01702 908 600 or hello@allyouneedprotection.co.uk so we can talk you through your options.

Giving you choice and flexibility of specialist treatment, when and where you need it.

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What is Private Medical Insurance (PMI)?
Private Medical Insurance (PMI) offers access to high-quality private medical services and treatments, when and wherever suits you! It also helps fund the cost of early diagnosis and treatment of acute conditions. ​

What is an acute condition?
The definition of an acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery. This could be anything from physiotherapy, to more serious procedures such as major heart surgery or biological therapy for the treatment of cancer. ​

Why do I need Private Medical Insurance?
It’s all about speed of treatment, and choices. With pressures on the NHS to meet healthcare demands growing rapidly, including increasingly stretched resources, PMI can play a complementary role to all the services offered by the NHS. ​

What is excluded from Private Medical Insurance?
Private Medical Insurance will not cover chronic conditions which are defined as treatment that will last for a long time, where the main aim is to keep the symptoms under control – these will be treated by the NHS. ​

Can I get Private Medical Insurance with pre-existing conditions?
There are a few scenarios to consider with pre-existing conditions. Depending on whether you have an existing policy in place, and when you last had any treatment for the condition, will depend on whether they can be included. If not covered immediately, there are ways to ensure you will be covered in the future, subject to any treatment you may have. ​

​Have a question for us? Here at All You Need Protection we get that everyone’s circumstances are unique, and that one policy doesn't fit all, so we pride ourselves on building a policy that is right for you. Contact us on 01702 908 600 or hello@allyouneedprotection.co.uk so we can talk you through your options.

The Reason Why

ALL YOU NEED PROTECTION

All You Need Protection was created in April 2020 during the world pandemic known as Covid-19. Kelly is a step mum to 2 boys who understands the importance of family and finance. When arranging a mortgage it is one of the biggest debts you will take on in your lifetime, so it’s important that we look to protect you and your home should the unforeseen happen.

We put you at the heart of everything we do, as we know that when someone’s got your back, it gives you the confidence to make the right decision about your finances. We do this in 3 simple steps:

# Step 1 – It’s good to talk: A friendly chat to find out about you and your situation.

# Step 2 – Let us do all the hard work: Now we’ve got the facts, it’s our job to do the research and come up with the most appropriate options best suited for you.

# Step 3 – Our recommendation: You purchase the right cover for you, but more importantly at the right price.

My passion is making sure we have you covered with the right insurance that suits your needs and your circumstances now and for the future.

Why do tomorrow, what you can achieve today!


CEO - Kelly Worthington

Contact

We’d love to hear from you, so contact us today and we will respond to you within 4 working hours.

1st Floor, Suite 11
34 West Street
Rochford
SS4 1AJ

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