Nobody wants to think about what could go wrong
But people depend on you, and they need you to have a plan
The plan you never think you will need is the one that matters most.
You have a mortgage, a family, a life you have built. But if something happened to you tomorrow would the people who depend on you be financially secure?
Most people assume they are covered. Some have a basic policy through work. Others have nothing at all and keep meaning to sort it out. The truth is, very few people have the right protection in place for their actual circumstances. And the longer you put it off, the harder it becomes to ignore the gap.
We help you understand what you need, find the right cover across the whole market, and make sure the people and things that matter most are properly protected.
How we can help with your insurance and protection:
01
Understand what you actually need
Every situation is different. We look at your full picture, your income, your commitments, your family, and work out exactly what cover you need and where the gaps are. No guesswork. No generic packages.
02
Find the right cover at the right price
We search the whole market to find the best protection for your situation. Life insurance, critical illness cover, income protection, private medical insurance. We explain what each one does in plain English, recommend what is right for you, and make sure you are not paying for cover you don’t need
03
Keep your protection up to date
Your life changes. You get married, have children, move house, change jobs. The cover that was right three years ago might not be right today. We review your protection regularly and make sure it still reflects your actual situation, so there are no surprises when it matters most.
What the process looks like
The process is designed to be straightforward and low pressure, because getting your finances sorted should feel like a relief, not a chore.
01
A free intro call
A short, no-obligation conversation to understand where you are, what you are looking for, and whether we can help. No paperwork. No pressure. Just an honest chat about your situation.
02
Simple next steps
After the call, we send you a short email with a few straightforward actions to complete before we meet. Nothing complicated, just the basics we need to make the most of your time together.
03
Your discovery meeting
This is where we get into the detail. We look at your full financial picture, what you have, what you owe, what’s coming in and going out, and understand what matters most to you. This is the foundation everything else is built on.
04
We do the work
We research the whole market and build a plan tailored to your situation. No generic recommendations. No off-the-shelf solutions.
05
Your implementation meeting
We walk you through every option in plain English. You decide whether to proceed there is no pressure either way.
06
A plan in action
If it is right for you, we put the plan into action. And we stay with you, reviewing as circumstances change.
You can't predict the future. But you can make sure your family is protected if the unexpected happens.
Whether you have no protection in place and know you need to sort it out, a mortgage with no life cover attached to it, a family that depends on your income, or are unsure what you need, the starting point is the same: get the right cover for where you are now.
You don’t need to understand the difference between every type of policy. You just need to be ready to close the gap.
Have a mortgage or family and want to make sure they would be financially secure if something happened
Rely on your income and could not afford for it to stop unexpectedly
Have some cover in place but are unsure if it is enough or even relevant
Keep meaning to sort your protection but have not got round to it
Unsure what type of cover you actually need or what each policy does
Want simple, clear advice without paying for cover you do not need
What Clients Have to Say
Huge thank you to Casta for sorting out Bupa private health insurance for myself and my son. They have also put in place an amazing income protection plan, a critical illness plan and life insurance. I couldn’t recommend Castra more highly.
CALLUM ROWLAND
Reliable and friendly. The team were excellent at answering all my questions about insurances, getting me the best cover for my needs. They provided me with a first class service, I highly recommend.
ANTHONY JENKINS
Castra were incredibly knowledgeable and patient in helping me understand the importance of life insurance. They were really able to cater advice to our personal circumstances to find the right options for us at this time, and I wouldn’t hesitate to recommend Castra Financial to anyone looking to sort their future finances out. I’ve got genuine peace of mind having spoken to Castra advisors about an industry I knew very little about.
MICHAEL LOCKE
I have dealt with Castra for several years. They helped set up my insurance plans a few years back. I trust Castra 100% to look after my best interests and can’t speak highly enough of the team at Castra.
RICHARD HAINES
Take the first step. It costs nothing.
Your first meeting is free. No obligation, no paperwork, no pressure. Just an honest conversation about where you are, where you want to be, and what is genuinely possible. Most clients say the same thing:Â I wish I had done this sooner.
Frequently Asked Questions About Insurance
Can’t find what you’re looking for? Book a free call and we’ll answer any question you have.
What types of insurance should I have?
It depends on your situation. The most common types of personal protection are life insurance, critical illness cover and income protection. Some people also benefit from private medical insurance. We look at your full circumstances and recommend only what you actually need, nothing more, nothing less.
What is the difference between life insurance and critical illness cover?
Life insurance pays out a lump sum when you die, giving your family financial security. Critical illness cover pays out a lump sum if you are diagnosed with a serious illness, such as cancer, a heart attack or a stroke, while you are still alive. Many people have one without the other. We help you understand whether you need both and how they work together.
What is income protection and do I need it?
Income protection replaces a portion of your income if you are unable to work due to illness or injury. For most people, losing their income would be the single biggest financial risk they face. If you rely on your salary to cover your mortgage, bills and everyday living, income protection is worth considering seriously.
I have life insurance through work. Is that enough?
It might be, but it often is not. Workplace cover is usually a multiple of your salary and may not reflect your actual financial commitments. It also ends when you leave that employer. We review what you have through work and tell you clearly whether there are gaps that need filling.
How much does insurance advice cost?
There is no charge for our insurance and protection advice. We are remunerated by the insurance provider, not by you. That means you get independent, whole-of-market advice at no direct cost.
When should I review my insurance?
Any time your circumstances change: a new mortgage, a baby, a change of job, a salary increase. Even if nothing has changed, it is worth reviewing every couple of years to make sure your cover still reflects your life. Policies you set up five years ago may no longer be the best fit.
Take the first step.
It costs nothing.
Book a free, no-commitment intro call. We talk about your life, your goals, and where you are right now. No paperwork. No pressure.
Download the Financial Planning Guide.
Take your time. The guide walks you through how we can help, what the process looks like, and what good financial planning can do for your life.
