Watch the 2-minute overview, then see the two ways we can cover you
Cover for your family, explained simply.
No jargon, no 40-page PDF — a plain-English conversation before anything is priced.
- Priced on your health, not your background
Cost to talk it through
Where this started. A friend of the founders watched a family scramble to cover funeral costs after an unexpected death — not because there was no life insurance product available, but because no one had ever made one feel like it was for them. Amara Protect was built to close that gap: real underwriting, priced on health, not on who’s asking.
We don't put everyone in the same funnel.
The barriers to cover — and the health realities behind the pricing — are different for each group we serve. So is the advice you’ll get.
For the Black community
Guaranteed-issue and simplified-issue options that don’t punish you for sickle cell trait or well-controlled hypertension the way many mainstream insurers still do — because our underwriting is built on current UK clinical outcomes, not decades-old tables.
- Advisers who understand family and dependent structures beyond a single-name policy
- Final-expense and funeral cover sized to real costs, not upsold add-ons
- No question about ethnicity anywhere in the application — ever
For perimenopause & menopause
Cover and income protection designed for a life stage most insurers treat as a red flag instead of a normal transition — with underwriting and advisers who won’t load your premium the moment HRT appears on your form.
- Income protection that accounts for intermittent, symptom-driven absence
- Straightforward answers on how HRT and related treatment affect your application
- A pathway to a specialist adviser in women's midlife health, not a generalist script
Three conversations, not one checkout page.
Tell us your situation
A short form — not a full application — so we can match you with the right adviser for your circumstances, not a generic queue.
Speak to a real adviser
A call or video conversation to talk through what you actually need cover for, and what it will realistically cost.
Cover, underwritten fairly
Your policy is placed with our regulated underwriting partner, priced on your health and circumstances — never on assumptions about your background.
Tell us a little, and we'll find you the right adviser.
This isn’t a quote engine. An adviser will call you back to talk through your situation before anything is priced.
Amara Protect is a trading name in formation, distributing regulated products through an appointed representative arrangement. Full FCA registration details will appear here before this site takes live enquiries.
- This form goes straight to Amara Protect — no third-party lead lists, ever