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Protection & Insurance

Protect your family and your income from life’s uncertainties

Life is full of unexpected events that can have a major impact on your finances and your wellbeing. Whether it’s a sudden death, a serious illness, or a disability, you want to be prepared for the worst and ensure that your loved ones are taken care of.

How We Help

Whether you are looking to safeguard your family’s future, or protect your assets, our tailored insurance plans are designed to meet your unique needs. Our expert advisors are here to guide you through the process, helping you choose the right coverage options to suit your lifestyle and goals. We can also review your existing policies and make sure they are up to date and suitable for your current situation. With our comprehensive protection strategies, you can rest assured knowing that you are prepared for whatever life may bring.

We can offer a range of solutions, including:

Life Cover

Nearly everyone has some form of insurance in place, to cover their house, car or pets. Many people do not think about the financial consequences to their families in the event they were to die. We can look at your assets and liabilities, your commitments and arrange cover which will provide a lump-sum or regular income to provide you with peace of mind if the unthinkable were to happen.

What could life cover be used for?

Pay off a mortgage to enable your dependents to remain in the family home in the event of your death
Provide a regular monthly income to replace a lost salary whilst, for example, your children cease to be financially dependent on your surviving partner.

Critical Illness

We are all aware of the statistic that one in two of us will be diagnosed with cancer in our lifetimes. Whilst medical advances mean that survival rates continue to improve, the financial impact of a disease like cancer, or, indeed heart disease or life-changing accidents can be enormous. Critical Illness cover is designed to pay out a lump sum on diagnosis of a range of serious illness or permanent disability.

When should I consider Critical Illness Cover?

If you have a mortgage, for example, Critical Illness Cover could clear or reduce your borrowings, removing or reducing the financial commitment during a time when you may be unable to work for a prolonged period.
Even with a positive long-term prognosis, some illnesses might impact on your future earnings and having a lump sum payment can provide you with a financial buffer to protect your lifestyle and those of your dependents.
A lump sum could cover the cost of adaptations to your home in the event of a life-changing illness or injury and pay for additional care or even private treatment.

Income Protection Cover

Whilst most employees will continue to pay salary for a short period if someone is unable to work for a prolonged period, any lengthy absence could mean having to rely on State Benefits such as Statutory Sick Pay. Self- employed individuals do not have this protection.

Income Protection Cover provides tax-free income replacement if you were to find yourself in this situation, with the benefits normally payable until you are able to return to work or reach retirement age.

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