About us - Independent advice you can trust

Simply Zest is an independent, whole-of-market protection insurance brokerage. We provide bespoke advice tailored to your circumstances, with a particular specialism in complex cases.

Founded with the belief that everyone deserves access to expert protection advice, Simply Zest works independently of any single insurer. This means we can search across the entire market to find the right cover for you — whether that's life insurance, critical illness cover or income protection. insurance.

We specialise in cases that require greater depth and understanding. If you've been declined elsewhere or have a complex medical history, our team has the expertise and insurer relationships to find solutions where others can't.

of market access: Whole
Trustpilot rating: 4★
Regulated: FCA

Our values - Putting you first, every time.

Our values guide everything we do. We believe in honest, transparent advice that always puts your interests first.

Honesty. We will always be upfront about what we can and cannot do. If we can't help, we'll tell you — and point you in the right direction.
Expertise. Our team has deep knowledge of the protection insurance market, including specialist experience with complex medical cases and declined applications.
Client-first. Your needs come before everything else. We take the time to understand your situation and recommend cover that genuinely suits you, not what earns us the most.

Leadership

John Lugsdin
Director
Dip CeMAP CertER
John has worked in financial services for over 35 years. He loves going for long walks with his cavapoo Mabel. Married to Claire, father to Isabelle & Anna.
Sophie Evans
Commercial Director
Sophie has worked in the life insurance industry for over 10 years. She has a cat called Richard and in her spare time enjoys socialising and travelling.

Team

Nick Price
Senior Protection Adviser
Nick has been in financial services for 12 years. He has recently had his first child and enjoys watching any form of sport and spending time with family.
Andrea Shepherdson
Partner Relationship Manager
Andrea has an experienced background in life insurance customer services. She enjoys playing rugby, rock climbing and karaoke.
Ann Gregory
Social Media Planner
Ann has an experienced background in life insurance customer services. She enjoys exploring and hiking in the Welsh countryside.