Risk Protection Advice from Lucra Ltd in Sutton, Surrey

We offer various insurance solutions that will protect you and your family against the financial risks associated with losing your job, your health or your life. We’re also able to help you arrange insurance cover for your home.

Providing Risk Assessment Advice and Financial Protection


Lucra Ltd in Sutton, Surrey and Bromley, Kent believe providing risk protection advice and financial reassurance for you and your family is very important. Lucra Ltd specialise in providing risk protection advice from their Sutton and Bromley offices and designing insurance solutions that will help protect you and your family against the financial risks associated with losing your job, your health or your life. We’re also able to help you arrange insurance cover for your home.

Many companies offer what appears to be “value for money” if you buy direct. Buying contracts in isolation can duplicate cover, cost you money and leave you exposed in some areas. So we’ll analyse your whole position, including any work benefits before we recommend.
We’ll also help you arrange and maintain a legal Will. It’ll give you the comfort of knowing your money will pass to those you care about. If you don’t have a Will, the State decides.

PLEASE NOTE WILL WRITING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Life Assurance

As a minimum, life assurance would typically be taken out to ensure the mortgage is fully repaid on death rather than the property having to be sold to repay the outstanding debt. In addition, you can also take out family protection to cover the loss of earnings to give you extra peace of mind.

Critical Illness

The inability to repay a mortgage or maintain a lifestyle for you and/or your family may also occur should you become seriously ill. Critical illness cover will pay out a lump sum which can then be used to repay your mortgage, replace a valuable income, or support any other expenses such as long term care, subject to a valid claim.

Income Protection

You can protect your income in the event of you not being able to work due to an accident, illness, or unemployment. Any of these circumstances could result in mortgage payments being missed. Our advisers will explain how income protection can be tailored to your individual circumstances such as ensuring the policy complements the cover that may be provided by your employer, and/or budget restraints.

Specialist Mortgage Advice


We have specialists that can help with any type of mortgage or loan.
You may be:
A first time buyer
Moving home
Remortgaging to a lower rate
Buying to let
Looking for a commercial mortgage

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Risk Protection


We offer various insurance solutions that will protect you and your family against the financial risks associated with losing your job, your health or your life. We’re also able to help you arrange insurance cover for your home.
Life Assurance
Critical Illness
Income Protection

Click Me!

Why Use an IFA?


Thank you for visiting the website of Lucra Ltd. Financial Advisers with offices in Sutton, Surrey. Many people think an IFA is only for the wealthy but this is not the case. The majority of our clients are everyday people from all walks to life. Our services are open to everyone. Getting the right advice means speaking to the right people. We are at your service and will happily visit you at home or work to discuss your requirements. Call us today for an appointment. Under our services tab above, you will find the services that we offer at Lucra Ltd from our offices in Sutton, Surrey. We offer a wide range of services such as mortgages, risk protection, life insurance, pensions, savings, investments, wealth management, equity release, long term care and investment planning. We can offer taxation advice such as inheritance tax planning. We also offer family financial assistance such as school fees planning, baby bonds, child savings plans as well as will writing and estate planning.

INHERITANCE TAX PLANNING, WILL WRITING AND ESTATE PLANNING ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

You voluntarily choose to provide your personal details via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details or services in writing or by telephone. 

Email communications are not secure and for this reason Lucra Limited cannot guarantee the security of the email, its contents or that it remains virus free once sent.

Get in Touch


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  • We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy at Privacy Policy.


Find us.

Suite 6, Tudor Court, Brighton Road
Sutton, Surrey SM2 5AE


Call us.

0208 722 0734


Email us.

web@lucra.org

Email communications are not secure and for this reason Lucra Limited cannot guarantee the security of the email, its contents or that it remains virus free once sent.