Protecting your family and income is important. Whilst we don’t like to dwell on it, it’s a fact of life that people die unexpectedly or fall seriously ill. Financial protection ensures that if this happens any outstanding debts are repaid, household bills met and that your dependent family members are financially provided for.Learn more
To give you peace of mind and to protect your family from the unexpected we offer independent advice on:
A protection policy that comes in many forms but which makes a financial payment if you were to die during the term of the policy i.e. within 5, 7 or 10 years.
Which provides a tax-free ‘lump sum’ if you are diagnosed with a serious medical condition within the policy term.
Payment of a lump sum when you die, whenever that is and whatever age.
If you are unable to work because of injury or illness, the payment of a percentage of your monthly income until you return to work, retire or the policy ends.
All these forms of protection have a range of policies depending on your requirements, your budget and the insurer. No policy is ever put in place until you are comfortable with it and any possible exemption.
Before we propose any financial protection advice we meet you to fully understand your circumstances and needs. This takes into account:
Your wife, husband or partner, children or relatives who are financially dependent on you.
Any debts or mortgages or other financial obligations you and your partner have.
What is most appropriate for your situation or stage in life.
The ‘sum assured’.
We may also consider things like single or joint life plans, premium types and trusts.
Once we have all the relevant information we analyse and search the marketplace to recommend the provider(s) whose policies are best aligned with your needs. This takes into consideration:
What percentage they have paid and declined over the past X years.
What this is and how the small print might affect you.
So we know they are here for the long-term.
Once the policies are in place you’re free to get on with your life, reassured that you’ve prepared financially for the unexpected.
For any claim on a policy we’re here to help manage the process and provide advice.
To learn more about our approach towards financial protection complete the form and an advisor will call you.
“Financial Advice and Retirement Planning isn’t my favourite thing to do but it’s necessary. Ben is patient to explain, has the expertise and knowledge to advise and really listens and understands today’s needs and also helps to plan for the future, whatever that may be. I put all my trust in him and his recommendations. He then follows up promptly and completely. I now look forward to seeing him twice a year.”