Personal Protection

It's easy to think you've got everything covered, but would your family be able to cope financially. It’s hard to imagine the cost if you had to stop working because of a critical or terminal illness, or if you died?

As Independent Financial Advisers we can advise on the full range of protection products to suit your individual circumstances. 

Insurance based on an assessment of health is unlikely to cover you for previous or existing medical conditions and you should refer to policy documentation and seek advice in order to understand what the policy does and does not cover before making an application. 

Life cover
Is designed to provide a tax-free cash sum if you die or develop a terminal illness during the term of the policy.

Critical Illness cover
Is designed to provide a tax-free cash sum if you suffer a critical illness or disability during the term of the policy.

Income Protection cover
Pays out a regular tax-free income if you suffer illness or accidental injury and are unable to work leading to a loss of earnings during the term of the policy.

Unemployment cover
Can be used if you become involuntarily unemployed during the term of the policy. This will pay a regular tax-free income to cover the costs of your mortgage payments.


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Business Man

Business Protection

Running a business is not just about rewards - any business faces problems and risks on a daily basis.

To be successful, a business must employ key people. They are your most valuable asset and as such, they should be valued and protected.

The structure of a business can be put at risk if a director or key employee suffers a critical illness. In the event of this happening, you need to have financial resources in order to pay a suitable replacement as well as to maintain the key person their absence from work. The most cost effective way of providing this is with Director Share Protection, Key Employee or Partnership Share Protection cover.

Key man insurance
Replaces salary when an important member of staff absent from work

Partnership cover
Pprotects the company assets of the partners and directors should one die or suffer a serious illness.

Group policies
Protects the income of employees against long term sickness

Pension protection
ommonly known as death in service benefits for employees dependants.