ASK THE
ASK THE
INSURANCE
INSURANCE
CONSULTANT
CONSULTANT
ASK THE
INSURANCE
CONSULTANT
Clear, simple advice to help you understand what protection you may need - from income protection to life insurance and cover for self-employed workers.
Clear, simple advice to help you understand what protection you may need - from income protection to life insurance and cover for self-employed workers.
Clear, simple advice to help you understand what protection you may need - from income protection to life insurance and cover for self-employed workers.
Are not sure where to start?
Are not sure where to start?
How do I protect my income?
How do I protect my income?
I’m self-employed — what insurance do I need?
I’m self-employed — what insurance do I need?
Do I really need life insurance?
Do I really need life insurance?
What happens if I get sick and can’t work?
What happens if I get sick and can’t work?
Book a free consultation
5.0
From 46+ Reviews
Book a free consultation
5.0
From 46+ Reviews
Book a free consultation
5.0
From 46+ Reviews
Family Guy
Family Guy
No city slicker, Rich is a personal, practical and resourceful family man - South London born and bred.
A keen football supporter and kids’ football coach, Rich understands how important it is to protect the people who depend on you.
Having seen first-hand how the right protection can help families through uncertain times, Rich is passionate about making insurance feel simple, human and useful.
No city slicker, Rich is a personal, practical and resourceful family man - South London born and bred.
A keen football supporter and kids’ football coach, Rich understands how important it is to protect the people who depend on you.
Having seen first-hand how the right protection can help families through uncertain times, Rich is passionate about making insurance feel simple, human and useful.
Get answers before you make a decision.
Get answers before you make a decision.
Insurance can feel confusing, especially when you’re trying to work out what you actually need and what you can safely ignore.
Whether you’re self-employed, supporting a family, protecting your income, or simply reviewing your options, I can help you understand the right type of cover for your situation.
Insurance can feel confusing, especially when you’re trying to work out what you actually need and what you can safely ignore.
Whether you’re self-employed, supporting a family, protecting your income, or simply reviewing your options, I can help you understand the right type of cover for your situation.
Got a question? #ASKRICH
Got a question? #ASKRICH
What I can help with
What I can help with
Income Protection
Understand how you could protect your monthly income if illness or injury stops you from working.
Income Protection
Understand how you could protect your monthly income if illness or injury stops you from working.
Income Protection
Understand how you could protect your monthly income if illness or injury stops you from working.
Self-Employed Insurance
Get clear guidance on the types of cover that may be relevant when you work for yourself.
Self-Employed Insurance
Get clear guidance on the types of cover that may be relevant when you work for yourself.
Self-Employed Insurance
Get clear guidance on the types of cover that may be relevant when you work for yourself.
Life Insurance
Find out whether life insurance is right for you, how much cover you may need, and what affects the cost.
Life Insurance
Find out whether life insurance is right for you, how much cover you may need, and what affects the cost.
Life Insurance
Find out whether life insurance is right for you, how much cover you may need, and what affects the cost.
Sickness & Work Cover
Explore options that could support you financially if you become unwell and cannot work.
Sickness & Work Cover
Explore options that could support you financially if you become unwell and cannot work.
Sickness & Work Cover
Explore options that could support you financially if you become unwell and cannot work.
PLEASE NOTE: A Protection plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made.
Straightforward advice, no pressure
Straightforward advice, no pressure
This is a free consultation designed to help you get clarity.
You can ask questions, understand your options, and make an informed decision about the cover that works for you.
This is a free consultation designed to help you get clarity.
You can ask questions, understand your options, and make an informed decision about the cover that works for you.
We don’t always know what’s in store for us…
But when life throws the unexpected your way, the right protection can make all the difference.
Can I help predict the risks and protect your future?
TaKe A ScReeN graB
Share your result with
#ASKRICH
and tag us to spread the word.
We don’t always know what’s in store for us…
But when life throws the unexpected your way, the right protection can make all the difference.
Can I help predict the risks and protect your future?
TaKe A ScReeN graB
Share your result with
#ASKRICH
and tag us to spread the word.
We don’t always know what’s in store for us…
But when life throws the unexpected your way, the right protection can make all the difference.
Can I help predict the risks and protect your future?
TaKe A ScReeN graB
Share your result with
#ASKRICH
and tag us to spread the word.
/richard_fairea
/richard_fairea
/richard_fairea
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Customer Feedback
“As a young family, we wanted to make sure we were properly protected but had no idea where to start. Rich explained everything in a way that felt simple, honest and completely pressure-free. He helped us understand what cover made sense for our situation and gave us real peace of mind.”
Sarah M.
Croydon
Customer Feedback
“Rich was brilliant from start to finish. He took the time to understand our family, our income and what we’d need if life suddenly changed. It felt like speaking to someone who genuinely cared, not someone just trying to sell us insurance.”
Daniel R.
Purley
Customer Feedback
“As someone self-employed, I’d always put off sorting protection because it felt complicated. Rich made the whole thing feel clear and manageable. He explained the options, answered every question patiently and helped me protect my income without any fuss.”
Natalie B.
South Croydon
Customer Feedback
“Rich has such a warm and reassuring way about him. He helped us think through what would happen if one of us couldn’t work, and made a difficult subject feel much easier to talk about. We came away feeling informed, protected and grateful.”
Michael & Aisha T.
Wallington
Ready to ask your insurance questions?
I can help you get the answer to all these questions and more.
Got a question #ASKRICH
Book your free consultation today.
Ready to ask your insurance questions?
I can help you get the answer to all these questions and more.
Got a question #ASKRICH
Book your free consultation today.
Ready to ask your insurance questions?
I can help you get the answer to all these questions and more.
Got a question #ASKRICH
Book your free consultation today.
Ready to ask your insurance questions?
I can help you get the answer to all these questions and more.
Got a question #ASKRICH
Book your free consultation today.
Get clear, friendly advice on income protection, life insurance and cover for self-employed workers.
Registered office: Rainham House, Manor Way, Rainham, Havering, RM13 8RH
#ASKRICH is a trading style of Ever North Limited, authorised and regulated by the Financial Conduct Authority, FCA Regulation No: 800196. Registered in England and Wales, Company No: 10216011.
© 2026 ASK RICH, All Rights Reserved
Get clear, friendly advice on income protection, life insurance and cover for self-employed workers.
Registered office: Rainham House, Manor Way, Rainham, Havering, RM13 8RH
#ASKRICH is a trading style of Ever North Limited, authorised and regulated by the Financial Conduct Authority, FCA Regulation No: 800196. Registered in England and Wales, Company No: 10216011.
© 2026 ASK RICH, All Rights Reserved
Get clear, friendly advice on income protection, life insurance and cover for self-employed workers.
Registered office: Rainham House, Manor Way, Rainham, Havering, RM13 8RH
#ASKRICH is a trading style of Ever North Limited, authorised and regulated by the Financial Conduct Authority, FCA Regulation No: 800196. Registered in England and Wales, Company No: 10216011.
© 2026 ASK RICH, All Rights Reserved
Get clear, friendly advice on income protection, life insurance and cover for self-employed workers.
Registered office: Rainham House, Manor Way, Rainham, Havering, RM13 8RH
#ASKRICH is a trading style of Ever North Limited, authorised and regulated by the Financial Conduct Authority, FCA Regulation No: 800196. Registered in England and Wales, Company No: 10216011.
© 2026 ASK RICH, All Rights Reserved