👤 Our adviser
Gurt Rai
Director & Protection Adviser · More Than Money Ltd
About Gurt
I have over 15 years’ experience as a protection consultant and am a market leader within the industry. My client roster has been spread across a multitude of platforms and jurisdictions.
My continued success can be attributed to a trifecta: in-depth and up-to-date market insight, transparent communication with my clients and, finally, a consultative approach to fully meet each client’s individual needs with bespoke packages.
Regulation
Gurt Rai is a director of More Than Money Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 1047044). LifeInsuranceForMe is a trading style of More Than Money Ltd. See our regulatory information for full details.
Insights by Gurt
- Farmers: one of the UK's most dangerous jobs, and the cover that fits it ·
- Roofers and working at height: why comparison sites say no ·
- Declined for life insurance? A decline is not the market's answer ·
- Armed forces life insurance: what standard policies exclude ·
- HGV drivers: the medical, the licence and the cover that fits ·
- Life insurance for pilots: the Class 1 medical question ·
- Vaping and Life Insurance UK: Will Your E-Cigarette Habit Push Up Your Premiums? ·
- Life Insurance With a High BMI in the UK: What's Changed in 2026 ·
- Life Insurance for NHS Doctors: Why Your Death in Service Benefit May Not Be Enough ·
- Life Insurance for Police Officers in the UK: What Your Pension Scheme Doesn't Tell You ·
- Life Insurance for the Over 50s in the UK: Which Type Is Actually Right for You? ·
- Life Insurance for Smokers in the UK: What You'll Pay and How to Reduce It ·
- Mortgage Protection Life Insurance UK: What It Is, What It Costs, and What to Watch Out For ·
- What's Changed in UK Life Insurance in 2026: A Plain-English Update ·
- Diabetes and life insurance: what UK insurers actually ask ·
- Personal Sick Pay: the cover most self-employed tradespeople have never heard of ·
- Income protection is the product more UK workers are finally buying ·
- Own occupation vs work tasks: the cover detail that decides claims ·
- Consumer Duty and protection: what 'fair value' means for you ·
- The UK protection gap: why millions are still underinsured in 2026 ·
- Executive income protection and Relevant Life: smarter cover for company directors ·
- Mental health and protection claims: how cover has changed ·
- Cost of living: how to keep protection without cancelling it ·
- The self-employed sick-pay gap and the rise of Personal Sick Pay ·
- Putting life insurance in trust: faster payouts and IHT efficiency ·
- AI and digital underwriting: faster, fairer protection decisions ·
Profession guides
- NHS Nurse guide
- Paramedic guide
- Doctor guide
- Dentist guide
- Surgeon guide
- Electrician guide
- Plumber guide
- Roofer guide
- Scaffolder guide
- Bricklayer guide
- Carpenter guide
- HGV Driver guide
- Delivery Driver guide
- Taxi Driver guide
- Pilot guide
- Sole Trader guide
- IT Contractor guide
- Freelancer guide
- Company Director guide
- Police Officer guide
- Firefighter guide
- Solicitor guide
- Accountant guide
- Teacher guide
- Engineer guide
- Farmer guide