Business Details
14 Years
experience
Trusted High-Risk Insurance Solutions
CURA specialises in providing protection insurance solutions for individuals and businesses deemed high-risk or non-standard by traditional insurers. Established in 2012 by Alan and Kathryn Knowles, our team of industry-trained advisers leverages over 15 years of combined experience to secure life insurance, critical illness cover, and income protection policies where others cannot. Based in Filey, North Yorkshire, we operate nationwide across the UK, prioritising inclusivity and accessibility in insurance. Our expertise extends to complex cases involving pre-existing health conditions, hazardous occupations, foreign travel, and high-risk pastimes.We pride ourselves on placing clients' needs first, offering specialist advice with no fees, full application assistance, and policy placement into trust at no cost. Recognised through over 30 industry awards, our approach combines technical knowledge with empathetic service to ensure fair access to insurance for all. We maintain authorisation by the Financial Conduct Authority and actively participate in the Protection Distributors Group, reinforcing our commitment to professional standards. Our corporate social responsibility initiatives reflect our dedication to community support and ethical operations.
Services
Life Insurance
Critical Illness Cover
Income Protection
High-Risk Insurance
Group Protection
Details
- Year established: 2012
Highlights and features
- We specialise in high-risk insurance cases since 2005
- No fees for specialist insurance advice
- Full application assistance with regular updates
- Policy placement into trust at no additional cost
- Dedicated insurance advisers for personalised service
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic throughout
Excellent knowledge
Highly helpful
Made feel valued
Significantly reduced premiums
Services
Life Insurance
Life insurance provides a tax-free lump sum upon the policyholder's death, securing financial protection for dependants. We specialise in arranging coverage for individuals with pre-existing medical conditions, hazardous occupations, or high-risk hobbies. Our advisers work with multiple insurers to find suitable options where traditional providers may decline applications.
Critical Illness Cover
Critical illness cover offers financial security through a tax-free lump sum payment upon diagnosis of specified serious conditions. We help clients with existing health issues or high-risk lifestyles obtain coverage that protects mortgages and living expenses, working with insurers who specialise in complex cases.
Income Protection
Income protection ensures regular payments if illness or injury prevents work, continuing until retirement age. Our team secures policies for clients with pre-existing conditions or non-standard occupations, providing financial stability through tailored solutions unavailable through mainstream brokers.
High-Risk Insurance
High-risk insurance addresses complex cases involving health conditions, hazardous occupations, or dangerous pastimes. We secure policies for clients declined by traditional insurers, using industry expertise to negotiate terms with specialist providers while maintaining transparent, client-focused service standards.
Group Protection
Group protection provides life and health coverage for business employees, including key person insurance and relevant life policies. We design schemes for companies with high-risk work environments or employees having medical conditions, ensuring comprehensive protection aligned with corporate needs.
People
Alan Knowles
Managing Director
Alan co-founded CURA in 2012 after transitioning from web programming to protection advice. He specialises in making insurance accessible for high-risk clients, holding qualifications in protection insurance and leveraging industry experience since 2005.
Kathryn Knowles
Managing Director
Kathryn co-founded CURA in 2012 with a PhD in Business Management. She focuses on content marketing, training, and improving insurance access for people with mental health conditions, combining academic expertise with practical industry experience since 2010.
Kellie Administrative Manager
Administrative Manager
Kellie has worked at CURA since 2010, progressing from administration to managerial roles. She uses her adviser experience to support teams, specialising in systems management and training while maintaining protection insurance qualifications.
Amy Protection Insurance Adviser
Protection Insurance Adviser
Amy joined CURA in 2020, bringing general insurance experience. She advises on client protection needs while studying business management, combining practical knowledge with academic development to deliver tailored insurance solutions.
Krystle Client Relationship Adviser
Client Relationship Adviser
Krystle has worked at CURA since 2010, focusing on armed forces, diabetes, and HIV-related insurance. With group risk qualifications, she builds client relationships through specialist knowledge and understanding of complex medical and occupational scenarios.
Questions
What insurance services does CURA offer?
CURA provides life insurance, critical illness cover, and income protection tailored to high-risk individuals with health conditions, hazardous occupations, or complex needs.
How does CURA handle high-risk insurance cases?
We specialise in non-standard cases, leveraging industry knowledge to secure coverage for clients declined elsewhere due to health conditions, occupations, or travel history.
What is CURA's application process?
Our process involves detailed consultation, paperwork assistance, and placement with suitable insurers, ensuring transparent communication throughout the application journey.
Are there additional costs for CURA's services?
No fees apply for our advisory services, including policy placement into trust, with costs reflected in competitive market rates from insurers.
Reviews (4)
Roy Marsden
Jun 06, 2022
Report
Updated consistantly throughout the whole process, they really knew how to put the customer first and I have managed to get insurance when at first I thought my medical history would mean I wouldnt get any
Roger Benn
Apr 19, 2022
Report
Very happy with the service although I found some of the detail required was a bit pedantic. Although I appreciate that you are required to be thorough, I found some of the detail was a bit excessive and had already been covered by the Doctor's report.
Kemey Fal
Mar 05, 2022
Report
The service at every stage was superb, great communication, my questions were answered promptly especially in areas I sought further clarity on. I received constant update when I experienced delay with my application. Friendly and professional approach with every staff involved in processing my application.
Leanne Stancliffe
Jul 16, 2021
Report
Cura made the process of getting life and critical illness so easy and quickly found a policy that completely suited my needs. As somebody who vapes, they found me cover with a premium like that of a non-smoker, which is great! Fantastic service!
