About Protection

Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.

Wealth and personal protection is an essential must-have to secure the future for both you and your family if an unexpected life event happens. The security and opportunity your wealth brings can be protected for generations, but there are many things to consider. Inheritance Tax, premature death, illness and loss of income to name but a few all need to be considered in an effective wealth protection planning strategy. With numerous options available when structuring and preserving your assets, with our advice you can be confident of making the right decisions based on your financial and family situation to best meet your personal objectives.

It’s important to plan for the worst case scenario – what would happen if you were injured or critically ill, or if you died?

Life insurance is a straightforward and affordable way of providing family protection to make sure that your family and loved ones are financially secure in the event of your death.

A life insurance plan pays out a cash lump sum if the person(s) insured dies during the term of the plan. The lump sum can be used to provide financial support to your family and loved ones, who might otherwise struggle to pay the mortgage, bills and other living expenses without your income.

Having the right level of life assurance in place gives you peace of mind and your family a financial safety net if they ever need it. There are different types of life cover, so it’s important to pick the right type for you.

Critical Illness cover is designed to pay a lump sum on diagnosis of a critical illness, such as cancer. It can be used to replace lost income, or to pay for medical fees/treatments. Critical illness cover allows you focus on getting better without worrying about money.

Life and Critical Illness Protection

There are several ways in which you can protect yourself and your family in the event of an untimely death.

Business Protection

Keyperson/Shareholder/Partnership Protection

As a business owner, one of your top priorities should be to ensure that your business remains financially secure in the event of unforeseen circumstances. There are several business protection policies which are worth looking at to provide you with funds to replace a key person in the event of a sudden illness or death.

As a business owner, you can also look to protect your company, should a fellow director or shareholder die or become seriously ill. Ensuring control of the company stays with the remaining directors.

Income Protection 

What would happen if you became too ill to work?  How would you survive financially?

Having income protection means that your income is replaced if you’re unable to work due to long-term incapacity. Income protection supplements any employer arrangements, which will not usually continue over a long period of absence. State benefits may be available but are very limited.

Income Protection Options

This policy is designed to provide an income in the event the insured individual is unable to work due to ill health.