Helping Protect What Matters Most
Financial planning is not only about building wealth and planning for the future.
It is also about protecting yourself, your family and your lifestyle against the unexpected.
Illness, injury or death can have a significant financial impact on individuals and families. The right protection arrangements can help provide financial security and peace of mind at a time when it may be needed most.
Many people insure their home, car and possessions, yet overlook protecting their income, family or mortgage commitments.
Questions You May Be Asking Yourself
- How would my family cope financially if I died unexpectedly?
- What would happen if I became seriously ill?
- Could I continue paying my mortgage if I was unable to work?
- Do I have sufficient protection through my employer?
- How much cover do I actually need?
- Should my protection policies be written in trust?
- What protection is available for business owners?
- Am I paying for cover that may no longer be suitable?
The answers will depend upon your personal circumstances, financial commitments and long-term objectives.
How We Help You
We take time to understand your circumstances, priorities and concerns before making any recommendations.
Protection planning should be tailored to your individual needs and designed to support your wider financial goals.
We can advise on:
- Life Insurance
- Critical Illness Cover
- Income Protection
- Family Income Benefit
- Mortgage Protection
- Business Protection
- Shareholder Protection
- Relevant Life Plans
- Key Person Cover
- Executive Income Protection
We will explain the options available clearly and help you understand how different policies work, including the level of cover, policy terms, exclusions and costs involved.
Why Protection Matters
For many people, their ability to earn an income is their most valuable financial asset.
A long-term illness or inability to work can quickly place pressure on savings, mortgage commitments and household finances.
Appropriate protection arrangements can help provide financial support during difficult periods and help reduce financial uncertainty for you and your family.
Business Protection
Business owners often overlook the financial risks that can arise if a shareholder, director or key employee suffers serious illness or dies unexpectedly.
Appropriate business protection planning can help businesses continue operating smoothly and provide financial stability at a difficult time.
Areas we can assist with include:
- Shareholder Protection Arrangements
- Key Person Protection
- Business Loan Protection
- Relevant Life Plans
- Executive Protection Planning
Our Aim
Our aim is to help ensure that you and your family have appropriate financial protection in place should the unexpected happen.
We believe protection advice should be clear, practical and tailored to your individual needs — helping you make informed decisions with confidence.
Contact Us
Why not contact us for an initial discussion? We make no charge for this and would be pleased to discuss your circumstances and protection needs.
Frequently Asked Questions
Do I really need protection insurance?
This will depend upon your financial circumstances, family situation, savings and existing employer benefits. Many people find that appropriate protection can provide valuable financial security and peace of mind.
What is the difference between Life Insurance and Critical Illness Cover?
Life Insurance normally pays out on death during the policy term, whereas Critical Illness Cover is designed to pay a lump sum if you are diagnosed with a specified serious illness covered by the policy.
What is Income Protection?
Income Protection is designed to provide a regular income if you are unable to work due to illness or injury, subject to the policy terms and conditions.
How much cover should I have?
The appropriate level of cover will depend upon your financial commitments, income, family circumstances and objectives.
Can protection policies be written in trust?
In many cases policies can be written in trust which may help improve how benefits are paid and potentially reduce delays at claim stage.
Is business protection tax deductible?
Tax treatment will depend upon the type of policy and individual circumstances. Tax rules can change and depend upon personal and business circumstances.
Important Information
Protection policies have no cash in value unless a valid claim is made.
As with all insurance policies, conditions and exclusions will apply.