Real advice. Real value. Zero surprises

(And what it costs you - spoiler: usually nothing)

We believe good advice should be clear, fair, and feel like you’re talking to someone who actually gives a damn. So here’s the lowdown on how our service works, how we’re paid, and what to expect.

We’re not a “click-and-hope” website or a box-ticking robot. At Waddle, you get proper protection advice from trained specialists who assess your needs, recommend suitable cover, and explain everything in plain English.

We’re authorised and regulated by the FCA (No. 522551), Everything we do is designed around what’s best for you - not us. You can check our permissions on the FCA Register.

Note: The FCA does not regulate taxation and trust advice.

Yes - our advice has real value (typically £750 per client). But here’s the good news:

• You won’t usually pay a penny
• That advice fee is fully offset by the commission we receive from the insurer when a policy goes ahead
• Unless you ask us to do something really complex or unusual (we’ll always agree this with you first), you don’t pay us directly

Here’s what our fully advised service actually gives you:

• Personalised protection planning - tailored advice based on your health, lifestyle, budget & future goals
• Full application & underwriting support - we do the paperwork, chase the insurer, and explain the jargon
• Trust advice & setup help - we’ll help place your policy in trust where needed, free of charge
• Ongoing reviews - we keep in touch and check your cover stays relevant as life changes
• Lifetime policy support - need to increase cover, change a beneficiary, update your address? Just call us
• Claims assistance - if something goes wrong, we’ll support you (or your family) through the claims process

This isn’t just about “selling a policy”. It’s about having someone in your corner - for years to come.

We’ll never charge a fee if:

• You want to review your cover
• Your life circumstances change
• You want to make adjustments or even cancel your policy - as long as you speak to us directly

We’re here for the long haul, not just to set up a policy and disappear.

If a policy is cancelled without letting us know, and the insurer claws back the commission we earned, we may charge a flat fee of up to £250.

This just covers a portion of the original advice work we did (normally valued at £750).

But - and this is key - we will never charge this where you engage with us or act in good faith.

We’re not into surprises (unless it’s your birthday).

• No percentage-based “wealth tax” fees
• No hidden charges
• No “free advice” that secretly costs more
• Just honest advice, real service, and proper peace of mind

If anything here doesn’t make sense or you want to chat it through, just speak to your Waddle advisor. We’re always happy to explain things properly - no pressure, no jargon, and no sales patter.

Because understanding your cover matters just as much as having it. 🐧💬

• Website: Use our Contact Us page for live chat, WhatsApp and support forms
• Email: info@waddle.co.uk
• Phone: 03333 1111 23 (Mon-Thur, 9am - 6:30pm, Fri, 9:30am - 4:30pm)

Waddle Insurance is a trading name of Essential Risk Solutions Ltd.
Registered in England & Wales (No. 07202871).
Registered Address: The Hive, Rear of 75 Uplands Crescent, Swansea, SA2 0EX.
Authorised and regulated by the Financial Conduct Authority (No. 522551).

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

This website is for information purposes only and does not constitute financial advice or a personal recommendation.

If you have a complaint, please contact us:

• Phone: 03333 1111 23
• Email: complaints@waddle.co.uk
• Post: The Hive, Rear of 75 Uplands Crescent, Swansea, SA2 0EX

If we cannot resolve your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

More info: www.financial-ombudsman.org.uk.

For free impartial guidance, visit MoneyHelper.