FINANCIAL PROTECTION

We are all likely to experience life changing events at some point in our lifetime. Putting suitable financial protection and insurance in place means that you can be safe in the knowledge that should the unfortunate or unexpected happen, your family’s financial needs are covered.

Do you have a plan to protect your income ?

Our role is to work with you, understand your family’s needs and help put in place the best solutions for you and your family to make the process as straight forward as possible. We can discuss all options of protection and insurance for you, whether it is long term care, short term employment cover, critical illness or life insurance we can help you find the right protection for you.

We will complete a comprehensive review of any existing life insurance of healthcare policies you may have, identify any potential shortfalls, along with an in-depth look at what you are covered for.

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Different types of Financial Protection

 

  • Life insurance: life insurance is a financial product that enables you to leave behind money for your family when you die. This can be used to support them for a number of years, to replace lost income, or to pay off a large debt such as your mortgage.

  • Critical illness or serious illness cover: if you are diagnosed with a critical illness, it can have a severe impact on your finances as you may need to take time off work for your treatment and recovery. Critical illness insurance is designed to help, paying out a lump sum payment when you are diagnosed with one of the specific critical illnesses covered by your policy.

  • Income protection: income protection is an insurance policy that pays out if you're unable to work because of injury or illness.  Income protection usually pays out until retirement, death or your return to work, although short-term income protection policies, which last for one or two years, are also available at a lower cost.

  • Business protection: pays out money in the event of death or serious illness of a key member of staff

We have long lasting relationships with our clients which enables us to review your circumstances on a regular basis to ensure that your level of protection remains suitable. Our qualified financial advisers are available for a no-obligation discussion about your insurance and protection needs with the initial consultation on us.