Our services
Protection
We provide independent protection advice to help safeguard you, your family or your business if illness, injury or death affects your finances. We assess your priorities and recommend suitable cover at an appropriate cost.
Protection planning
Protection planning considers how you or those who depend on you would cope financially if you died, became seriously ill or could not work. We review your income, debts, dependants, savings, workplace benefits and existing policies to identify any gaps and establish the amount and type of cover required.
Types of cover
Different policies protect against different financial risks. The appropriate type and amount of cover will depend on your circumstances, existing provision and the people or business interests that rely on you.
Life insurance
Pays a lump sum or regular income if you die during the policy term. It can be used to repay a mortgage or other debts, replace lost income or provide financial security for your family.
Critical illness cover
Pays a lump sum if you are diagnosed with one of the serious illnesses covered by the policy and meet its definition. The money could be used to repay debts, replace income or meet additional costs arising from your illness.
Income protection
Provides a regular income if illness or injury prevents you from working. Payments normally begin after an agreed waiting period and can continue until you return to work, retire or reach the end of the policy term.
Family income benefit
Provides a regular income for the remainder of the policy term if you die during that term. This can help replace lost earnings and meet continuing household expenses.
Business protection
Can help protect a business against the financial effects of the death or serious illness of an owner or key employee. This may include key person cover, shareholder or partnership protection and business loan protection.
Reviewing existing policies
Existing policies and workplace benefits may already provide some protection, but the amount or type of cover may no longer be suitable. We review the benefits, policy term, premiums, exclusions and ownership arrangements before recommending whether any existing cover should be retained, amended or replaced.
Keeping protection under review
Protection needs can change following marriage, divorce, the birth of a child, a new mortgage, changes in earnings or developments within a business. Regular reviews help ensure that your cover remains appropriate. Existing policies should not be cancelled until any replacement cover has been accepted and put in place.
Understanding the risks
Investments: All investments carry an element of risk and investment returns are not guaranteed. Values can fall as well as rise, and you may get back less than you invest.
Pensions: Pensions are long-term investments. The fund value may fluctuate and can go down. The income available when you take benefits will depend on factors including the fund value, interest rates and legislation at that time.
Protection: A protection plan has no cash-in value. Cover will lapse if premiums are not maintained and will normally end when the policy term expires.
Estate Planning: Estate planning is not regulated by the Financial Conduct Authority.