Problem getting insurance?

If you need help finding Life Insurance, Critical Illness Insurance or Income Protection Insurance, or if your premiums were increased after underwriting or worse turned down altogether, then you’ve come to the right place.

What is even better we offer a free initial no obligation consultation!

This is one of our greatest specialities. Years of expertise help us place cases for clients with the following conditions:

  • Pre-existing medical conditions like: high blood pressure, high cholesterol, diabetes, anxiety, stress, depression, family history
  • Weight or height-to-weight issues
  • History of drug abuse
  • Hazardous or high risk job or pastime
  • Previous or current smoker
  • Difficulty finding insurance for any other medical condition
  • Perfect health but are looking for a competitive quote

We help all types of client find Life Insurance, Critical Illness Insurance or Income Protection Insurance. We have a wealth of knowledge within our group and network, and years of experience in this field.

You may think that you are going to struggle to find insurance, or you may already have applied to an insurance company and had your application postponed or declined.

Alternatively you may have had terms offered to you but at a higher premium (they have “loaded” or “rated” your premiums) because of your job, medical history or a pre-existing medical condition.

What we know and understand is each insurance company has its own niche and specialities. When it comes to more complex cases, every provider will have a different view on your medical history, job or hobby. Some insurers may decline your insurance application simply because it is not an area that they wish to provide cover for. Other insurers specialise in offering cover where others will not, and will be happy to consider you and may be able to offer you cover.

We speak directly to underwriters on a case-by-case basis, and know which insurers will consider your application. If there is a choice between companies, we will help you find the insurer who is willing to offer you cover at the cheapest rate post-underwriting, not just upfront.

Each year, we have hundreds of people either referred to us by our business partners or contact us directly because they either have difficulty obtaining affordable insurance, or want to see if they can get it cheaper.

We pride ourselves in knowing which of our insurance providers are most likely to consider each application favourably, and we have a proven track record in obtaining insurance for people who have had their insurance premiums rated, deferred or declined.

Whilst we cannot guarantee that we can obtain insurance for you, using a company like ours that has had experience in this particular field will greatly improve your chances.

Insurance providers are constantly reviewing their rates and terms, so even if you already have insurance in place, we may be able to find the same cover for you, but with a cheaper premium.

We can also help if you are looking for Critical Illness Insurance, Income Protection, Key Man Insurance, Mortgage Protection, Income Protection, Accident Sickness & Unemployment or Buildings and Contents Cover.

Or alternatively fill in the form below to send an enquiry now

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"Very helpful throughout the remortgage process and very good at explaining everything in simplified terms we could relate to and not just financial jargon."


Thank you very much for all your hard work obtaining our first mortgage, which was so difficult to get providing our limited finances! Your assistance has been invaluable, and we would have never achieved this without you! We would have no hesitation in using your services again or, indeed, in recommending you to anyone who requires services of a mortgage & insurance specialist.


This was from a client we have been working with for over 7 years now: "Many thanks for all your hard work and effort to obtain our mortgage offer! I can't tell you how it feels for us to have gone from having nearly 100k of debt and a 'hopeless case' to getting a high street mortgage (in less than 7 years!)


Justin was recommend by my bother who had his mortgage arranged with him a couple of years before. The set up process was very easy, Justin got me on the phone, found out my needs and financial details and then came back a couple of days later with three options for me to pick from. After than things went smoothly, Justin and his team were VERY helpful, they even helped fix a couple of problems caused by my solicitors. On the day of completion Justin was on the phone making sure everything was fine as were his team. I felt very well looked after and even decided to arrange extra life cover with Justin.


We have been a client of JF Financial for almost 9 years. Justin goes above and beyond to ensure everything runs smoothly. The service this company provides is 5 star. Would 100% recommend JF Financial.


Knowing Justin is a blessing, I had couple of re mortgage with JFinancial. Very friendly & stress free service, Justin always look after all small details before the application. Hassel free , as long you have all uptodate documents. Great service. Just talking to him is a great pleasure.


I would like to thank Justin from J F Financial for his extremely professional service. After my recent stage one interview which was to understand all aspects of my financial position he was able to tell me more about my finances than I knew myself. Justin gave me clear, decisive advice which enabled me to put things in place to secure future financial stability. I initially went to Justin to see if he was able to help secure an acceptable rate on the re-mortgage of my property as it had come to the end of its term and slipped into variable rate. This was something that I did not think was possible in today’s current financial market. Justin not only matched my existing interest rate but secured this rate for the next 5 years. From Stage one to completion of the mortgage I found this to be a very smoothly run and professional service and would not hesitate with recommending Justin from J F Financial to any of my family or contacts in the future.


Just thought would drop you a quick line to say thank you for all your help with helping us along the process of buying our flat. We are all settled in now and loving it!! I will highly recommend you to all my friends, as it was a pleasure dealing with you and you made the whole process a lot less stressful. Once again many thanks for all your help and your useful knowledge.


Thank you very much for your help, it’s a pleasure dealing with you and will definitely recommend you to my family and friends. Easy remortgage with no hassle!!! Thanks again.


This was a big help in meeting all my needs, very helpful and professional


5 star service. Could not recommend JF Financial highly enough. Justin assisted us throughout the whole house buying/selling process. He made one of the most stressful processes in life easy and hassle free. Was always available for any advice, even out of office hours! Would never look elsewhere for any financial advice in the future.


We have just completed on our 2nd mortgage arranged by Justin. We wouldn’t consider going to anyone else as JF Financial Associates are friendly, professional and determined to find the best mortgage for our ever evolving needs. Justin is able to explain the whole process in an understandable way, making sure you are fully aware the next stage of the process. I have no hesitation in recommending their services. Mr & Mrs Wallis. West Sussex.