Protect what matters most to you
Financial security for life’s what-ifs
Life rarely goes exactly to plan. Illness, accidents, or losing someone close can change everything, and money worries are often the last thing you want to deal with in those times.
Protection planning helps make sure that, if something happens, you and the people you care about have a financial safety net in place. That might mean replacing lost income, paying off a mortgage, or providing a lump sum so your loved ones can stay secure.
With pension rule changes coming into force in 2027 which could affect what you leave behind, protection is becoming an even more important part of a joined-up plan. Choose us, and we’ll help you understand your options and put sensible cover in place, so you can get on with living your life.
Burning questions, addressed
What type of life insurance do I need for my family?
That depends on your circumstances and what you want to protect. Let us assess your income, debts, and family needs, and then recommend the right level and type of cover that gives your loved ones security.
How much life insurance cover should I have?
A good starting point is having enough to clear debts and replace lost income for several years. Under our expert guidance, you’ll calculate what your family would need to maintain their lifestyle and stay covered.
Should I get critical illness cover as well?
Critical illness cover pays out if you’re diagnosed with a serious condition, which can be invaluable if you survive but can’t work. Our specialists can work out exactly what’s right for your situation and budget.
How does income protection help if I can’t work?
Income protection replaces part of your salary if illness or injury stops you from working. It pays a regular income until you can return to work or retire, protecting your family’s financial stability in the process.
Will the 2027 pension changes affect my life insurance?
From April 2027, pensions will be included in your estate for Inheritance Tax purposes. Life insurance written in trust remains outside your estate, making it even more valuable for protecting your family.
Can I review my existing protection policies?
Absolutely. Life changes, and your cover should too. We’ll review what you have, check it still meets your needs, and recommend updates if your circumstances have changed since you originally took it out.
Cover will cease on insurance products if premium payments are not maintained. Generally, these plans have no cash-in value at any time and will cease at the end of the term. If premiums are not maintained, cover will lapse.
How it works
01
Discover
We start by getting to know you, your goals, your circumstances, and what really matters to you financially and personally.
02
Research
Taking everything we’ve learned about you, we get to work exploring the best possible options for your unique situation.
03
Present
To help you make an informed decision, we’ll walk you through our recommendations and explain the pros and cons as we go.
04
Implement
Once you’re happy, we’ll put your plan to work. We’ll handle the details, making it a simple, stress-free process for you.
05
Review
We won’t forget about you when the job’s done. We’ll stay in touch to make sure your plan continues to support your goals.
