IFA Centre

Cura are experts in placing life insurance, critical illness cover and income protection where there are challenging requirements. Whether it's cover for someone who is considered to be a high risk because of their health, travel to dangerous countries or someone working offshore, we can help.

We have extensive knowledge and experience of clients with health concerns, regular foreign travel, hazardous occupations and dangerous hobbies. We have been recognised as the Best Specialist Intermediary for 2017 and 2018 by Cover Magazine and have won a number of awards for general protection advice too.

IFAs and Financial Advisers

Have you had your client declined cover based on their medical history, foreign travel, hazardous pursuits or occupation?

Do you have an unusual client case that you are just not sure where to start with?

If you are struggling to place protection for your client we offer a client referral scheme where we will be happy to support you to find alternative solutions.

We currently offer support for clients looking to place Life Insurance, Critical Illness Cover and Income Protection.

To see how our referral scheme works please check out our Referral Brochure below:

High Risks Referrals Brochure

Referral Process

If you would like to register to use our services or would like more information please feel free to contact:

Alan Knowles, Managing Director

Free Phone: 0800 567 7450
Telephone: 01723 518140

Email: ifa@specialrisksbureau.co.uk

Or you can request a callback:



Contact Time:

Benefits of our service

Your client will be in the care of a dedicated team, leaving you time to focus on your other appointments.

  • Our team will submit and chase all aspects of the application process.
  • We have access to a number of specialist insurance policies so can offer some form of protection, to the majority of people.
  • The advice liability is taken over by Cura, so we will handle the demands and needs of the recommended products.
  • We will not undermine your relationship with your client and will always refer back to you, if a need for other products are identified.
  • You may earn commission where otherwise there might be none.


  • Cover for clients with HIV, history of cancer, heart attacks and strokes.
  • Cover for Armed Forces personnel.
  • Life, critical illness and income protection for offshore workers.
  • Cover for hazardous occupations and sports such as rock climbers, scuba divers and motor car racers.