Justin Harper

Individual Insurance Expert

Justin has been in the financial services industry for over 35 years, with 15 years+ experience in marketing, communications and product development. Much of his time has been focused on individual protection insurance, with roles at Teachers, LV=, MetLife and now at the UK’s leading protection advice specialist, LifeSearch. Drawing on his background as an adviser, industry relations and product design, he possesses in-depth knowledge and passion for protection, and simplicity.

Latest Articles by Justin

Do I need life insurance for a mortgage?

Do I need life insurance for a mortgage Do you need life insurance for a mortgage? No, you don’t need life insurance when taking out a mortgage but it can be a very good idea to do so. If you have dependants like a partner and children who rely on your income, taking […]

Strictly Necessary Cookies

Strictly Necessary Cookies are required for the website to function correctly.

Name	Provider	Description	Expiration
PHPSESSID	hoa.org.uk	Essential for website to function properly	When the browsing session ends
hoa_newsletter_pop	hoa.org.uk	Ensures that the newsletter signup popup is only displayed once to a visitor, and isn't displayed on every page load	7 days
newsletterpage2	hoa.org.uk	Delays the display of the newsletter signup popup until the user is on their second page view	1 hour
reviewPop	hoa.org.uk	Ensures that the reviews pop is only displayed once to a visitor	24 hours
Local Storage (not a cookie)	youtube-nocookie.com	YouTube tracking cookie that is only set when a video is played on our site	n/a
moove_gdpr_popup	hoa.org.uk	Saves your preferences for cookie settings	365 days
ai_session	www.landc.co.uk	Preserves users states across page requests	30 minutes
ai_user	www.landc.co.uk	Used by Microsoft Application Insights software to collect statistical usage and telemetry information. The cookie stores a unique identifier to recognize users on returning visits over time	24 hours
Local Storage (not a cookie)	https://www.landc.co.uk	Enables the L&C comparison tools to function correctly	n/a
ARRAffinitySameSite	white.reallymoving.com	Used to distribute traffic to the website on several servers in order to optimise response times	When the browsing session ends
ASP.NET_SessionId	white.reallymoving.com	Preserves the visitor’s session state across page requests	When the browsing session ends
__cf_bm	checkatrade.com	To allow users to search the Checkatrade search widget	30 minutes

Analytics & Website Improvement

We use analytics technologies to understand how visitors use our website, measure the effectiveness of our content and services, and improve the overall user experience. This information helps us identify popular pages, improve website performance, and make our services more useful. You can disable these technologies.

Name	Provider	Description	Expiration
_ga	hoa.org.uk	This is a unique ID that is used to generate statistical data on how the visitor uses their website	48 hours
_ga_X2LEWPWZEG	hoa.org.uk	Required for Google Analytics to be able to collect anonymous data	48 hours
_gid	hoa.org.uk	This is a unique ID that is used to generate statistical data on how the visitor uses their website	24 hours
_gat_UA-32915409-1	hoa.org.uk	Required for Google Analytics to be able to collect anonymous data	90 days

Justin Harper

Latest Articles by Justin

Do I need life insurance for a mortgage?

Other Authors

Expert Contributors