Buy peace of mind
Getting financial protection helps provide a financial safety net so you can live worry-free. Personal and business protection means that should the worst happen, you, your loved ones, and your business are protected. It could help to replace lost income, pay off a mortgage or other debts, cover future IHT bills, safeguard your business, and more. While you cannot predict the future, you can take control by being prepared for the worst possible scenarios should they arise.
What to protect yourself against?
Insurance is designed to provide financial protection against various risks and unexpected events you may encounter, whether personally or to your business. Consider if you're protected against any of the following scenarios:
- Illness (short-term or long-term)
- A life-threatening illness
- An accident
- Death (yours or your partner's)
- Risks to your business
- Changes in circumstances of directors and partners
- Illness or death to key company individuals
- Changes in shareholdings
How long will your current provisions last?
You may have plans in place already, but are they sufficient, and how long will they last? The first step we take is to check what you have already and how that contributes to the solution. Should you need to build on your existing plans, we will always consider your overall objectives and budget.
The types of protection we advise on
Financial protection for loved ones. Pays a lump sum to beneficiaries upon the policyholder's death, securing their future and covering debts, expenses, and financial needs.
Critical illness and income protection cover
Safeguards against health challenges. Critical illness pays a lump sum for medical expenses, while income protection replaces lost earnings during illness or injury.
Key person (business) insurance
Protects businesses from key personnel loss. Pays a lump sum if a crucial individual becomes critically ill or dies, helping cover financial disruptions and obligations.
Our protection advice process
It's all about you. We'll implement your protection plan and recommend an annual review of your financial circumstances to ensure you're always up-to-date. We follow a robust advice process for all financial planning - understand how we work and what you can expect from our financial planning advice service.