Family is important; that’s why it’s best to get expert advice to help protect what matters, when it matters!

Thinking about the consequences should anything happen to the main breadwinner isn’t something any of us want to contemplate. However it is important when arranging your mortgage to take the time to protect you and your family should the unthinkable happen.

Put simply protection products are policies that are arranged to provide you and your family with either a lump sum or a regular income should you become seriously ill, lose your income through accident, sickness or illness, or in the event of your death.

"For your very own Personal Risk report contact us using one of the contact forms on this website, we will confirm a few details and provide a bespoke risk report for you within a few minutes."

We have listed some of the most popular types of insurance below:

Life Insurance

Life insurance, also known as term insurance or life assurance will provide a sum of money in the event of death during the term of the policy. This cash lump sum is paid tax free and can be used by your dependents however they choose.

Life insurance can be used to cover a mortgage, other loans or to ensure that your family is protected from the effects of having to repay a debt.

We can also cater for the over 50 market with access to all the leading insurers for Guaranteed Over 50's Life Insurance.

Critical Illness Cover

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work.

Income Protection

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age). 

We specialise in income protection for self employed, those workers who are not protected by either an employers sick scheme or statutory sick pay when unable to work due to an accident, illness or sickness, policies available for all trades/industries.

Business Protection

The most valuable asset to any business is its people, without them, a company’s survival can be at serious risk. We've made a commitment to protect and support UK Small Businesses and to provide tailored advice around key issues such as Key Person Insurance,  Share & Partnership ProtectionTax Efficient Relevant Life Insurance and Tax Efficient Executive Income Protection.

If you are a sole director of your own company, get in touch and find out how to provide tax efficient company benefits for yourself that are paid for by the company.

For more information on which protection policy best suits your needs call our expert team today.