Clear, honest income protection advice for working families in Bromley and South East London – so your mortgage, bills, and lifestyle are protected if illness or injury stops you working.
A Guide About Income Protection For Working Parents Who Carry The Financial Weight of Their Household

If you're working full-time, have a mortgage, and people who rely on your income, income protection is one of the most important conversations you can have.
It's not about expecting the worst. It's about being prepared so that if illness or injury stops you working, your income doesn't disappear overnight.
My role is to help you understand how income protection works, what options are available, and what makes sense for your situation - clearly, calmly, and without pressure.
OUR SERVICES

Monthly income support if illness or injury prevents you from working, helping you cover your mortgage, bills, and family expenses.

Designed for parents and households with dependants who need stability and continuity, even when life takes an unexpected turn.

Protect your ability to keep up with mortgage payments if your income stops, without relying on short-term fixes or savings.

I'm not tied to one provider. I look across the market to find options that suit your income, your family, and your priorities.

No jargon. No scare tactics. Just straightforward explanations so you can make informed decisions with confidence.

Worldwide Coverage
Based in Bromley, working with families across South East London – not a call centre, not a sales script.
INDEPENDENT

I work with individuals and families across Bromley and South East London who want clarity and peace of mind about their income, especially if illness or injury were to stop them working.
My approach is straightforward: I take the time to understand your situation, explain your options clearly, and help you decide what’s right for you, without pressure or jargon.
My name is Cedric Makuka, an independent protection adviser based in Bromley with over 10 years’ experience in financial services. I help working individuals and families protect their income and financial security through carefully considered insurance solutions.
What I value most about my work is building long-term, trusted relationships. By understanding each client’s circumstances, whether that’s a mortgage, children, or household responsibilities, I can offer advice that’s genuinely tailored and relevant.
My role involves assessing your financial situation, identifying potential risks to your income, and recommending appropriate protection to help safeguard your financial wellbeing, so you can focus on life with confidence.

Sarah M.
Beckenham

James T.
Crystal Palace

Michelle P.
Sydenham
This is a no-obligation conversation to understand your income, mortgage, and responsibilities, and see whether income protection makes sense for you.