Mind the insurance cover gap

13 million people in the UK have the wrong insurance cover in place because they haven’t reviewed it after big life changes.

Whether you’re buying a home, remortgaging, getting married, having kids, or going through a divorce— life happens, and it could leave you with a gap in life insurance cover when you need it most.

Legal and General, 2023

“It’s easy to think that once you’ve sorted your insurance for the first time, that you’re covered for life—but that’s not always the case. As life changes, your insurance cover should too.

—Matt Towe, Co-founder of Meet Margo

The cover gap is the difference between the insurance you may or may not have and what you really need. At Meet Margo, we help you spot and close that insurance cover gap, so you’re properly covered no matter what life throws your way.

Insurances we cover

Home Insurance

Protects your home and belongings against damage or loss.

Life Insurance

Provides financial support to your loved ones if you were to die.

Health Insurance

Covers medical expenses and ensures you have access to necessary healthcare.

Critical Illness Cover

Offers a payout if you’re diagnosed with a critical illness.

Income Protection

Ensures you have financial support if you’re unable to work due to illness or injury.

Business Protection

Supports key staff during illness or loss, helping the business recover quickly.

How we help close your insurance cover gap

  • Review your current insurance to spot any gaps.
  • Look at your situation and how likely you are to make a claim.
  • Stick to your budget and show you the value of your insurance.
  • Handle the insurance application so you don’t have to.
  • Give you a free digital will to secure your future wishes.

Peace of mind in 5 easy steps

Schedule Your Free Insurance Review

Book a call with our our mortgage and insurance experts to get started.

Review Your Insurance Cover Gap

We’ll look at your current insurance and identify any gaps.

Receive A Tailored Recommendation

Think gold, silver, bronze based on your personal needs and budget.

Apply Effortlessly

We handle the insurance application process for you.

Enjoy Peace Of Mind

Relax knowing your insurance is up-to-date and comprehensive.

Why choose
Meet Margo?

  • We make the process easy and straightforward, so you can focus on everything else life throws at you.
  • Just like our mortgage advice, our insurance recommendations are tailored to fit your unique situation. No one-size-fits-all approach here; we focus on what works best for you.
  • With insurance options to fit any budget, you can rest easy knowing you’re covered.
  • Our friendly team of insurance cover advisers are here to guide you every step of the way.
  • We provide our services at no cost to you, ensuring you get the best coverage with the fee.

5-star rated cover

“After getting married and having two kids, I realised I hadn’t updated my life insurance. Meet Margo gave us three budget-friendly options and introduced critical illness cover for our kids. Knowing our daughter was seriously ill last year, that would have made all the difference to us.”
— Anna Moynihan, Founder of Task Her
“We always had life cover but never really thought about its impact until we found out we were pregnant. That’s when Meet Margo reviewed our work, personal, and financial situation and helped us secure a brilliant policy. We now have total peace of mind knowing we’re protected if we ever need to claim. Thanks, Meet Margo, for having our backs!”
— Chelsea Stonier, October’s mum
"Life insurance had been on my to-do list for far too long. When I finally got around to it, I found it difficult to find cover because of some ongoing medical issues. I was genuinely surprised when Meet Margo found me a suitable policy. They made the entire process straightforward, and I was covered the very next day."
— Mia Felce , Interior Designer

Frequently asked questions

Just like our mortgage services, it’s completely free. If you decide to take out insurance with us, your provider pays us—so no cost to you.

You don’t—and you shouldn’t have to! That’s where our expert team comes in. We’ll walk you through everything, jargon-free, so you feel informed and understand the value of what cover is right for you based on your situation.

In the UK, claim payouts are generally high: Royal London paid out 99.4% in 2022, and Vitality 96.6% for life, critical illness, and income protection. Policies are usually underwritten at the application stage, so any issues with your medical history should be caught before you apply. That’s why working with an adviser is crucial—we ensure everything is accurate so you can claim with confidence when you need to.

Life insurance doesn’t have to be expensive. There are options to fit different budgets. It’s all about finding the right fit for your needs and budget, and that’s where working with Meet Margo can help—so you get the best coverage without overspending.

Yes, even if you don’t have children, having insurance is still important. It’s about protecting yourself and anyone who depends on you—whether that’s a partner, aging parents, or even just making sure your financial commitments, like your mortgage or debts, are covered. Plus, life can throw unexpected changes your way, and having the right cover can give you peace of mind no matter what.

#AskYourself

If you answer no to any of the questions, it’s your sign we need to chat!

Download the Meet Margo
Mortgage Adviser App

We don’t believe in gate-keeping great mortgage advice. 

Install our FREE mortgage app 

and feel at home knowing your remortgage is in hand, literally.

The legal bit.

Your Property may be repossessed if you do not keep up repayments on your mortgage.

Meet Margo’s advice and guidance are completely free for customers to access because we are paid a procuration fee from the lender.


If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place. View here.


© 2024 Meet Margo.


Registered in England & Wales. Company number 13887760.


Registered address: 5 Merchant Square, London W21AY.


Meet Margo is a trading name of Meet Margo Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.


The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.