Lyfesure

Lyfesure, a family-run life insurance broker in the UK

Lyfesure is a family-run insurance broker operating in the UK under the company name Birchmount Solutions Limited, authorised and regulated by the Financial Conduct Authority (FCA) under number 816535. The firm presents itself as an alternative to large brokers that prioritise policy volume over personalised service, and states that it has more than 3,000 families insured.

Its approach, according to its own description, involves taking the time to understand each client's circumstances before recommending cover, with the aim of reducing cancellations and maintaining long-term relationships. The company maintains that this method has enabled it to record one of the lowest cancellation rates in the sector.

Protection products for families

Lyfesure's range is built around six lines of cover:

• Life insurance: a financial benefit for the family in the event of the policyholder's death.
• Mortgage protection: cover linked to the loan so that the family does not lose their home.
• Family cover: replaces the policyholder's income to maintain everyday expenses such as education or the weekly shop.
• Critical illness: payment of a tax-free lump sum upon diagnosis of a serious illness, intended to cover the mortgage and bills during treatment.
• Accident and sickness: financial support in the event of fractures, hospitalisation or time off work, with premiums that the website states start from just a few pounds a month.
• Funeral insurance: cover for funeral expenses, which the company estimates at more than £4,200 on average.

The firm states that it compares the main insurers in the market to tailor each policy to the client's needs and budget.

Client profiles and life stages

Lyfesure organises its offering according to the policyholder's life stage: people starting their career and planning for the future, families with a mortgage and school-age children, those seeking cover for unexpected health issues, and clients focused on wealth accumulation, retirement planning or protecting their legacy.

Advice process and regulatory compliance

The broker describes a structured process in line with FCA regulations: thorough data collection, assessment of the client's circumstances and personalised recommendation. All interactions are documented and supervised. Advisers receive ongoing training to maintain the standards required by the regulator.

The company also carries out regular policy reviews to update beneficiaries, addresses and changes in circumstances, in order to avoid surprises when claiming the benefit.

Company structure and registered office

Lyfesure operates as a trading name of Birchmount Solutions Limited, a company registered in England and Wales with number 11100282 and registered office at Oak House, Waterside South, Lincoln LN5 7FB. The managing director is Jonathon Baptie-Wood, who cites fifteen years of experience in the sector as the origin of the project.

Location and contact

Oak House, Waterside South, Lincoln LN5 7FB