Protecting What Matters Most
Protection planning encompasses a wide range of products including policies that pay out a lump sum or income on either death or diagnosis of ill health. The right protection strategy can make an enormous difference to the financial security of you and your family at the most difficult times.
As independent advisers we consider the full range of protection products available across the whole market — not just those offered by a single provider — to find the most appropriate and cost-effective solution for your circumstances.
Types of Protection
Life Insurance
Pays a lump sum or income to your dependants in the event of your death. Can be structured as level, decreasing or family income benefit depending on your needs.
Critical Illness Cover
Pays a tax-free lump sum on diagnosis of one of a specified list of serious conditions including cancer, heart attack and stroke. Can be combined with life cover.
Income Protection
Replaces a proportion of your income if you are unable to work due to illness or injury. Benefit continues until you return to work, retire, or the policy term ends.
Family Income Benefit
A form of term assurance that pays a regular income rather than a lump sum on death — often a more cost-effective solution for families with young children.
Appropriate Security for Your Circumstances
The right level and type of protection depends entirely on your personal circumstances — your income, debts, dependants, existing cover and long-term financial goals. We take time to understand the full picture before making any recommendation.
Using Trusts
Writing policies in trust can give beneficiaries access to funds more quickly and also avoid potential tax implications on the proceeds. Placing a life policy in trust means the payout falls outside your estate for Inheritance Tax purposes and can be paid directly to your chosen beneficiaries without going through probate.
We can advise on the most appropriate trust arrangements for your situation and work alongside solicitors where more complex planning is required.
What We Cover
- Term assurance (level and decreasing)
- Whole of life assurance
- Critical illness cover
- Income protection insurance
- Family income benefit
- Relevant life cover (for business owners)
- Writing policies in trust
- Existing policy reviews
For business protection needs including key person cover, shareholder protection and relevant life policies, please see our Corporate Financial Planning page.