All ST&R Policies

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What is a life insurance policy?

Life Insurance policies are designed to provide a tax free lump sum in the event of you becoming terminally ill or passing away.

This money then gives immediate financial stability for your loved ones when they need it most. Life Insurance provides complete piece of mind that in a tragic circumstance your loved ones are financially secure.

Home Insurance

Home insurance safeguards your property and belongings from damages, theft, and liability risks, providing peace of mind amidst unexpected events. Our Landlord Insurance offers tailored protection for rental properties, including contents coverage separately from building insurance under managed service agreements.

UK’s 1st Only Guaranteed Over 45 Product

45+ Protection is the UK’s first guaranteed whole-of-life insurance for over-45s, providing financial security for funeral expenses, debts, or gifts. With guaranteed acceptance and full cover after just two years following a short medical questionnaire, it ensures peace of mind and financial stability.

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Life Insurance

Life insurance guarantees a tax-free lump sum if you become terminally ill or pass away, offering crucial financial stability and peace of mind for your loved ones during their most challenging times.


We will assess your financial situation in order to help you find suitable mortgage options specifically tailored to your needs, and negotiate terms with lenders. We have access to a variety of loan products from different lenders, aiming to secure the best rates and terms for our clients. We will also streamline the application process, offering expertise and guidance along the way.

Income Protection

Income protection insurance stands as a lifeline, safeguarding your financial stability when illness or injury disrupts your ability to work. By replacing a majority portion of your income, it ensures you can meet critical expenses like mortgage payments and bills during your recovery, offering peace of mind and allowing you to focus on your health without the worry of financial hardship looming over you.

Health Insurance

Health insurance is a vital safeguard that not only allows you to ‘skip the waiting lists’ with access to private treatment centres, but it secures your well-being by covering medical expenses, ensuring you receive necessary treatments without financial strain. It’s an essential investment in your future, ensuring you and your loved ones have access to quality healthcare when it matters most, empowering you to prioritise your health and peace of mind.

Critical Illness

Critical illness insurance is a powerful safety net that provides a lump sum payout upon diagnosis of a serious illness, allowing you to afford specialised treatments, cover everyday expenses, and maintain your quality of life during recovery. It ensures that a health crisis doesn’t derail your financial security, offering peace of mind and enabling you to prioritize your health without the added stress of financial uncertainty.

Under 45 with Health Issues

Targeted at individuals who are under the age of 45, but who find it challenging to secure insurance due to health implications, we can offer tailored policies with adjusted terms and premiums to accommodate higher risks, ensuring these individuals can still protect their loved ones financially in case of death.

Why You Should Choose ST&R Limited


Star Store

We work hard to find the most competitive insurance products that meet your needs, along with providing 24/7 access to our 'Star Store' - the 'Free' safe place.

Independent advice

We know that you don't want to spend hours on the phone or on price comparison websites, but you do want honest, expert and jargon-free insurance advice, so that is what we provide.


Renewal reminders

We will automatically notify you when your policy is due for renewal - then complete a wide range of searches without any obligation