Expert Life Insurance Advice in Cardiff and Beyond.

  • Your insurance package is as unique as you are - we don't do one size fits all.
  • Protect your financial future with leading life insurance, serious illness and income protection deals.
  • Our 5* rated advisers are ready to hear from you today.

Get in touch for a no-obligation chat with an adviser about how we might be able to help.

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What we do

At Exley Financial Planning we recognise that financial loss brought about by illness or death can ruin even the best thought out financial plan.  We help you to identify areas where insurance could help ensure you and your family are financially secure, no matter what happens. 

We arrange the following types of insurance:

  • Life and Critical Illness Cover
  • Income Protection Insurance
  • Relevant Life and insurance for business owners
  • Insurance for people with long term medical conditions

What people are saying:

sam tapsellsam tapsell
17:17 11 Mar 24
Chris has been super helpful, always provided honest advice tailored to my situations. Highly recommend!
Ann-Marie JonesAnn-Marie Jones
17:47 18 Jan 24
Highly recommend Chris at Exley Financial Planning. He was really helpful and has walked through each stage carefully with patience and helped secure us a better rate on our mortgage.
Jasmine ScottJasmine Scott
20:21 18 Jul 23
I’ve had the pleasure of working with Chris now for over 6 years. He’s arranged my last three mortgages for me successfully. I’ve always found Chris to be highly efficient, and clear and open in all of his communications. He’s also taken the time to explain my options and be at the end of a phone. I trust him implicitly and would recommend him to anyone looking for sound financial advice and support regarding money matters.
Mike WilliamsMike Williams
16:37 18 May 23
Couldn't recommend a better financial planning advisor.Chris's help, advice and knowledge base was second to none.
Deborah NDeborah N
11:41 18 May 23
Chris was outstanding. His service was attentive, comprehensive and he displayed an impressive knowledge of his field. He was always easy to contact, friendly and returned calls and messages promptly. His help was invaluable. We are incredibly grateful for all his assistance and wouldn't hesitate to recommend him to others.
Jay ProbertJay Probert
12:02 07 Jul 22
Chris was referred to my wife an i by a neighbour. Despite conducting all communication online (emails/MS Teams calls) at all times Chris has remained personable and responsive. My wife and i are far from experts in this field but Chris' calming approach to the process has been most reassuring and would strongly recommend his services to others. Thanks Chris.
Alexia BowlerAlexia Bowler
08:27 25 Apr 22
We recently used Exley Financial Planning (Chris) for our mortgage and they were so professional, efficient and listened to our every need. We got some very good advice and felt confident that they had our interests at heart. I would use Exley Financial Planning again for anything finance related, and feel relieved we've now got someone who takes us through documents and processes (most of which are fairly confusing!), step-by-step. Thanks Chris!
bethan boddybethan boddy
11:55 08 Mar 22
Fantastic service from Chris.Chris helped me with the process of getting my mortgage from start to finish. As a first time buyer, I was clueless. Having Chris help me made the process a lot easier and he was able to explain information to me that I was unsure off.I highly recommend this company to anyone, especially first time buyers.
Ellen MorganEllen Morgan
08:26 31 Mar 21
I can’t thank Chris enough for all his help throughout my purchase. It hasn’t been an easy process buying my first home during a pandemic, but Chris made securing a mortgage a breeze! Chris is very knowledgable and was honest with me from the outset about what was affordable for me and the mortgages available. It has been a long process for me, but Chris is always available on the other end of the phone to answer any questions I had and kept me updated every step of the way. Brilliant service, I would highly recommend! Thank you Chris!
Rod DCRod DC
19:42 19 Aug 19
Chris has been absolutely fantastic in helping us secure our mortgage offer.Our own situation was a bit more complex due to work and contracts but Chris has worked extremely hard to find us a mortgage that suits us.The quality of service has been top notch from the first meeting. Communication has been excellent and we have been constantly updated on the situation and progress of all processes.It has been so worth employing the services of Exley and I cannot recommenced the service more.
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What we’re talking about:

4 Reasons You Should Speak To Us About Insurance:

We're don't just compare products, we give regulated advice.

When you arrange insurance yourself, or online, you probably won’t get advice.

Choosing the wrong product, or making a mistake in your application could result in your policy not paying out and all those premiums being wasted.

Our experts give advice not just on which provider to use, but how much cover you should get and how long for.

 

We read the small print

Let’s be honest, not many of us read the small print. Often life insurance terms and conditions can run to 100s of pages.

When it comes to insurance, the small print is the difference between a plan paying out, and not paying out. For example, will your life insurance pay out if you diagnosed with incurable stage 4 cancer?

Our experts have read the terms and conditions in full, and we’ll translate these into plain English.

 

Solutions for people who find it difficult to get cover.

People come in all different shapes and sizes.

Our experts can place cases where you have long term health conditions or other issues that make it difficult to get insured.

Sometimes your occupation or hobbies can make getting cover difficult too. Rest assured, we’ve probably seen it before and we know just where to go.

 

Insurance policies for almost any scenario.

We’ve partnered with a number of providers to make sure we can help in a whole range of scenarios.

Anything from breaking your little toe to death of an employee, we can get you covered.

Life Insurance, Critical Illness Cover, Income Protection, Accident Protection, Relevant Life Insurance, Business Protection and more. 

 

Questions we’re asked. 

Why do I need insurance?

An event like death or serious illness can ruin even the best thought out financial plan.

When you die, your debts do not disappear – responsibility for repaying them passes to someone else. Similarly, if your income stops, or you become seriously ill, life goes on, and you still need to pay the bills.

Many of us have a partner, children, or someone else that relies on us to get by. Getting the right insurance means they’ll be financially secure if your income is disrupted.

For businesses, the loss of a key person can cause irreversible damage. 

What is life insurance?

Life insurance is a contract whereby you pay the insurance company a premium (normally monthly). In return, the insurance company will pay out a (normally tax free) lump sum, or income when the insured person dies.

What is critical illness insurance?

Like life insurance, critical illness insurance is a contract whereby you pay an insurance company a monthly premium. In return, if you suffer a specified medical condition (most commonly a heart attack or stroke), or diseases like cancer or multiple sclerosis, the plan will pay out a (normally tax free) lump sum or income. Specified conditions are detailed at outset in the terms and conditions

What is income protection insurance?

Typically, income protection will pay out up to 60% of your income (normally tax free), should you be unable to work due to illness or injury. It will normally continue paying an income until you return to work, die or the plan ends (normally your planned retirement age)whichever comes first. Budget plans are available which pay out an income for a maximum of one or two years.

 

What is the difference between terminal illness cover and critical illness cover?

Many life insurance policies include terminal illness cover. This pays out when you have been diagnosed with an illness which will likely cause death within the near future (generally within 12 months).

The definition of a critical illness is wider. A critical illness policy will pay out if you experience a life changing illness as specified in the policy. A critical illness will not always lead to death. Critical illness plans are more likely to pay out than terminal illness plans.

You've got offices in Usk and Cardiff, but can you help me remotely?

Yes, our systems are designed so that we can give advice remotely. Although most of our clients live in the South Wales area, we’ve helped customers all over the UK.

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Get in touch

The internet is not a completely secure medium, so we can't guarantee the privacy of your data.

How would you like to be contacted?