Life insurance and other types of protection provide financial reassurance for you and your loved ones. Planning for death or unexpected illness can be uncomfortable but having the right plans in place will safeguard you and your family.
Protection planning prepares for significant and unexpected events, including death, critical illness and loss of income. These events can throw your life upside down, but if you have appropriate insurance, this will protect you and your family financially should these events occur.
With so many products available, choosing the right protection and level of cover is challenging and that is where we can help. We will take the time to understand your circumstances and then source the right plans and cover for your needs. With access to the whole of the market, we can find the most suitable and competitive policies for you.
Whatever your stage of life or requirements, we can provide peace of mind by finding and securing the protection you need.
Life insurance pays out a tax-free lump sum on your death. There are two main types of life assurance policy to choose from - term assurance and whole of life assurance.
When choosing your policy, we will consider the financial needs of your family and what cover you may have already, for example, a death-in-service benefit from your employer.
Critical illness insurance will pay out a tax-free lump sum if you are diagnosed with a specified illness or medical condition during the policy term. However, the conditions vary from policy to policy and your cover options will depend on your age and medical history, so it is essential to look at all options and check the exclusions carefully.
As your independent financial adviser, we can explore your options and find the right policy for your specific needs and requirements.
Income protection insurance (permanent health insurance) pays a regular tax-free income if you cannot earn money because of sickness or disability. The payments can be temporary or continue until you can return to work, retire, or the policy ends.
This type of insurance can be complex as there are many variables to consider, including the level of cover, how long the policy will pay out for and the deferred period (the waiting time before the policy starts paying out). We will review your situation to determine your needs and source a policy to match those requirements.
For help sourcing and arranging protection for you and your family, please get in touch to discuss your needs with one of our financial advisers.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
