Protecting yourself and your loved ones against life’s uncertainties is sensible financial management, and investing in personal protection will ensure that you and your family can continue to enjoy the lifestyle you’ve worked had to achieve.

The insurance market is constantly changing, and new products are being created which can make it difficult to certain you’re choosing the right policy with the right cover. We’ll explain what types of cover are available, answer your questions and crosscheck any existing policies. By getting to know your personal needs and circumstances we can give you peace of mind that everything is covered.

Common personal protection insurances:

Life Insurance – Provides a lump sum in the event of premature death.

Critical Illness Insurance – Provides a lump sum in the event of a diagnosed critical illness.

Income Protection Insurance – Provides a regular monthly income for the life of the policy if the policyholder is unable to work.

Family Income Benefit – Provides a replacement income should the insured become critically ill or dies prematurely.

We can also help you place life insurance policies into a trust so that should your beneficiaries need to claim on them they can minimise inheritance tax and receive all the money you intended to leave them.

Protect the lifestyle you have
We understand that not everyone wants the same things from their personal insurance, so contact us for a free initial consultation on your individual insurance needs.

*The FCA does not regulate Inheritance Tax Planning

* Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

* Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described within the Key Features and policy documentation if you proceed with the plan.