No. We never charge clients any advice fees for life insurance, income protection, or critical illness cover. Our service is completely free to you.

No, never. Some firms in the industry add premium loading, but we believe it's unfair. You always get the insurer's true premium with us—no hidden charges, no markups, no inflated costs.

We are paid commission directly from the insurance provider (such as Aviva, Legal & General, or Zurich). This does not affect the premium you pay—you get the same price whether you go direct or use our whole-of-market advice service.

Yes, but only if it is suitable and in your best interest. We'll only recommend replacing a life insurance or protection policy when it provides clear benefits such as better coverage, lower premiums, improved terms, or additional critical illness cover.

Yes. We search across the whole UK life insurance market to find the most suitable protection for you. We compare policies from leading providers including Aviva, Legal & General, Zurich, AIG, LV=, Royal London, and many more. We're not tied to any specific insurers.

We provide advice on all types of life insurance and protection including:

• Term Life Insurance - affordable cover for a set period
• Whole of Life Insurance - lifetime cover with guaranteed payout
• Critical Illness Cover - lump sum if diagnosed with serious illness
• Income Protection Insurance - replaces income if unable to work
• Family Income Benefit - regular payments to your family
• Over 50s Life Insurance - guaranteed acceptance cover

View all our protection services

We can refer you to trusted mortgage specialists. While we don't provide mortgage advice directly, we work with FCA-regulated third-party mortgage brokers who specialise in this area and can refer you to them for mortgage protection insurance and mortgage advice.

We can refer you to trusted pension specialists. While we don't provide pension or investment advice directly, we work with FCA-regulated third-party financial advisers who specialise in pensions, SIPPs, and investments and can refer you to them.

We can refer you to trusted Will writing specialists. While we don't provide these services directly, we can refer you to specialist third-party providers for Will writing, trust planning, and estate planning services.

Yes. We are fully regulated by the Financial Conduct Authority (FCA) for life insurance and protection advice.

It depends on the service:

• ✓ Regulated by FCA: Mortgage advice, pension advice, investment advice, and life insurance
• ⚠ Not regulated by FCA: Trust, Wills and Estate Planning

All providers are carefully selected specialists in their respective fields with proven track records.

RB AME Ltd and The Right Mortgage Ltd are not responsible for any advice received from third-party providers. Each provider is responsible for their own advice and services under their own FCA authorisation or professional indemnity.

Yes, absolutely. We take your privacy and data security seriously. All personal information is handled in accordance with UK GDPR and data protection regulations. Your medical history, financial details, and personal data are kept strictly confidential.

That's Life is a trading style of RB AME Ltd, an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority for life insurance and protection advice across the UK.

We are registered in England and Wales (company number: 12147707) and serve clients across the United Kingdom.

Yes. While we're based in Essex, we provide life insurance and protection advice to clients throughout England, Scotland, Wales, and Northern Ireland. Most of our service is delivered by phone, email, and video call for your convenience.

Our guidance and advice is subject to the UK regulatory regime and is primarily targeted at consumers based in the UK aged 18 and over who need life insurance, income protection, or critical illness cover.

Simply contact us by phone, email, or our enquiry form. We'll discuss your needs, compare the whole market, and provide you with tailored life insurance quotes from leading UK providers.

It depends on the type of cover and your health. Simple term life insurance can often be arranged within 24-48 hours. Policies requiring medical underwriting may take 2-4 weeks. We'll guide you through the entire process and keep you updated.