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.

A Guide About Income Protection For Working Parents Who Carry The Financial Weight of Their Household

Most people who come to me aren't looking to be sold to. They're looking to understand where they stand.
They're working full-time. They've got bills to pay, often a mortgage, and people who rely on them financially. They don't need pressure. They need clarity.
That's the space I try to create. A calm, straightforward conversation where you can talk things through properly, without being rushed or pushed in a direction that doesn't feel right.
I will take the time to understand your situation properly, not just what you earn, but how your life actually works.
I will explain things clearly and in plain language, so you don't feel talked at or made to feel behind.
I will focus on what would make a real difference to you and your household if your income were interrupted, rather than presenting neat answers that don't reflect real life.
I won't try to scare you into making decisions.
I won't push you to buy something that doesn't fit your situation.
I won't rush you because "now is the time" or because a product is available.
And I won't pretend there's a perfect solution for everyone. There isn't.
I'm an independent income protection adviser based in Bromley, South East London. That means I'm not tied to one provider or one solution.
My advice is shaped around your income, your responsibilities, and what you need things to look like if work pauses for a while.
I work with individuals and families across Bromley and nearby areas, and I keep things personal. You won't be passed between departments or dealt with by a call centre.
People usually come to me because they want to talk things through without feeling judged.
They want someone who understands the reality of working full-time, paying the bills, and carrying responsibility for others.
They want straight answers, time to think, and the space to decide what feels right for them.
That's what I try to offer, one conversation at a time.

Sarah M.
Beckenham

James T.
Crystal Palace

Michelle P.
Sydenham
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.
Copyright 2026. Cedric Makuka. All Rights Reserved.