Independent Income Protection Adviser in BROMLEY
Income Protection Adviser in Bromley
If you work full time and people rely on your income, this is one of those conversations that can make a real difference. Calm, clear advice with no pressure.
FREE INCOME PROTECTION GUIDE
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UNDERSTAND the Basics
Understanding Income Protection
Income protection is designed to pay you a regular monthly amount if illness or injury stops you working. Most people don't think about it until they have to, so this page is here to explain it clearly, in plain English, and help you decide what makes sense for you.
Clear, Personal Advice
We start with your real life: your income, your household costs, and the people who depend on you. Then we work out what would actually help if your income paused.
Independent Comparison
I'm not tied to one provider. I will compare options and explain the differences clearly so you can choose with confidence.
Step-by-Step Support
From the first call through to application and set-up, I guide you through each step so nothing feels confusing or rushed.
Why Choose CEDRIC MAKUKA
Why Choose Cedric Makuka as Your Income Protection Adviser in Bromley?
This is personal. You want advice that feels calm, clear, and genuinely suited to your situation.
Independent and unbiased
My recommendations are based on what fits you, not what suits a sales target.
Local to Bromley
Cedric Makuka works with individuals and families across Bromley and South East London, including Beckenham, Chislehurst, Orpington, and Crystal Palace.
No Pressure, Just Clarity
From the first call through to application and set-up, I guide you through each step so nothing feels confusing or rushed.
My INCOME PROTECTION Service
What I'll Help You With
Discovery Call
A calm, no-obligation chat to understand your income, household costs, and responsibilities.
Making Sense of Your Options
I'll explain how income protection works, what choices matter, and what would make the biggest difference in your situation.
Application support
Help gathering what's needed and completing the application properly, without the back-and-forth stress.
Approval Support
I'll liaise with insurers during the process and keep you updated so you're not left guessing.
YOUR INCOME PROTECTION OPTIONS
Types of Income Protection
There are a few common ways income protection can be set up. The right choice depends on your work, your household, and what you need the cover to do.
Short-Term Cover
Designed to support your income for a limited period, helping you keep life steady during a shorter interruption.
Long-Term Cover
Designed for longer protection, supporting your income for a more extended period if you're unable to work.
Accident and Sickness Cover
A simpler form of protection that can help if you're unable to work due to accident or illness.
OUR SERVICES
Income Protection Services
What Is Income Protection?
Income protection is designed to pay you a regular monthly amount if illness or injury stops you working. It helps you keep up with household costs while you recover.
How Do I Know What Level of Cover I Need?
It depends on your income, your monthly outgoings, and how your household would cope if your income paused. On the call we talk it through properly and keep it realistic.
What Do I Need For The Application?
Usually it's basic identity details, information about your income, and some health background. I'll guide you through what's needed so it feels straightforward.
Your INCOME PROTECTION Adviser
Meet Cedric Makuka
I work with individuals and families across Bromley and South East London who want clarity and peace of mind about their income, especially if illness or injury were to stop them working.
My approach is straightforward: I take the time to understand your situation, explain your options clearly, and help you decide what’s right for you, without pressure or jargon.
My name is Cedric Makuka, an independent protection adviser based in Bromley with over 10 years’ experience in financial services. I help working individuals and families protect their income and financial security through carefully considered insurance solutions.
What I value most about my work is building long-term, trusted relationships. By understanding each client’s circumstances, whether that’s a mortgage, children, or household responsibilities, I can offer advice that’s genuinely tailored and relevant.
My role involves assessing your financial situation, identifying potential risks to your income, and recommending appropriate protection to help safeguard your financial wellbeing, so you can focus on life with confidence.
Client Testimonials
"Cedric explained income protection in a way that actually made sense. No pressure, just honest advice."
Sarah M.
Beckenham
"I finally understood what would happen if I couldn't work. The peace of mind was worth the conversation alone."
James T.
Crystal Palace
"Clear, calm, and genuinely helpful. I never felt rushed or sold to."
Michelle P.
Sydenham
READY TO HAVE A CHAT?
Book Your Free Protection Services Discovery Call
This is a no-obligation conversation to understand your income, mortgage, and responsibilities, and see whether income protection makes sense for you.
Independent Income Protection Adviser supporting working families in Bromley and across South East London.
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