Nivin Francis is a dedicated Protection Adviser based in Cardiff, offering expert guidance to clients across the UK, with a strong focus in areas such as Barry, Penarth, St. Mellons, and Rumney.

Nivin specialises in a comprehensive range of protection insurance services, including life insurance, critical illness cover, accident protection, and income protection insurance in the UK. He helps clients understand the importance of financial protection and supports them in selecting the most suitable cover for their needs—especially when navigating common questions like “Is income protection worth it?”

He works closely with individuals, families, and self-employed professionals to create personalised protection strategies that provide financial confidence and peace of mind. Known for his structured, client-first approach, Nivin communicates with clarity and care. He is fluent in English and Malayalam, which enhances his ability to connect with a diverse client base.