About Cream...

Introduction to Cream

Welcome to one of the UK's leading life and health insurance companies, with access to a comprehensive panel of providers at the most competitive rates.

Cream prides itself in offering personal, tailor-made advice, for free, to both individuals and companies alike.

We are client obsessed and always at the heart of everything we do, the client will always come first. We will hold our client's hand from initial conversation all the way to eventual claim.

Working nationally whilst remaining a local firm at heart.  Providing bespoke protection solutions to our Clients for over 10 years, focussing on our clients and living by our 3 principles:

- Making a difference
- Challenging the norm
- Creating wealth – particularly at a time when it’s needed the most

We are passionate about what we do which has been recognised by winning awards since 2013.

Being there for our clients, when they need us the most, is deeply rooted in our DNA having paid out over £3 MILLION in successful claims.

What We Do

  • Family Protection
    Providing a tax-free cash lump sum for your spouse and/or children in the event of your death
  • Mortgage Protection
    Repaying your mortgage in the event of death and/or a critical or serious illness
  • Critical Illness Cover
    Providing a tax-free cash lump sum for you in the event of a critical or serious illness, under current legislation, tax year 2017/2018
  • Income Protection
    Replacing your income in the event of sickness or disability
  • Private Medical Insurance
    Offering individuals, families and employees access to private medical treatment
  • Key Person Assurance
    Protecting your business in the event of the loss or disability of a key person
  • Shareholder Protection Assurance
    Ensuring business continuity in the event of a shareholder's death or serious illness


Comprehensive Panel

Cream are proud to work with a comprehensive panel of the UK’s leading life insurance companies to offer you high quality cover, at competitive prices. We even have specialist providers for people with impaired health or medical conditions.

The Process

Our qualified, regulated advisers will ask you questions about you, your occupations, your income and your health so that they fully understand your situation, needs and budget. We’ll be able to compare life insurance quotes for you from our panel of providers.

A word from our CEO

Cream is passionate about making a difference to peoples’ lives. We pride ourselves on being customer obsessed and will do whatever it takes to ensure that our clients have the right product, with the right provider, at the right price

Get a Quote

Fill in our quote form and an adviser will contact you to arrange an appointment.

Existing Customers

If you have queries about your existing policy please get in touch.

About Cream

Learn more about Cream, our mission and commitment.

Life insurance could be the most important financial product you ever buy.

If you die while you still have dependants, being able to claim on a life insurance policy could be the difference between your loved ones struggling to make ends meet, and their financial security.

Despite this, many of us simply don’t have any life insurance cover in place. Your Cream Financial Services adviser will ensure you get the product you need, with the right provider, at a price you can afford.




Refer a friend

Cream operates a refer and earn scheme and we'll pay up to £150 for each successful Life insurance referral.



Free Will

Cream offers a free Will service worth £130 which is available with every Life policy taken out.

Free Trust
Every Life policy taken out with Cream has the option to have a free trust set up for you if you wish to do so.


Cream Financial Solutions
49 Waterloo Road

Southern Office
Trinity Court
2-4 West Street, Fareham
PO16 0BH

Northern Office
Second Floor
Focus House
1 Central St

Bespoke tailored insurance solutions built around you and your family. Completely free initial consultation. Quality, personal advice.