Protection & Insurance
Life is unpredictable. The right protection ensures that no matter what happens, your home, your income and the people you love are taken care of.
Life Insurance
Life insurance provides a lump sum or regular payments to your loved ones in the event of your death. It's the cornerstone of any good financial protection plan, particularly if others depend on your income to pay the mortgage or cover living expenses.
There are two main types: level term (pays a fixed lump sum) and decreasing term (the payout reduces over time, typically matching your mortgage balance). We'll help you choose the right policy for your circumstances.
Critical Illness Cover
Critical illness cover pays out a tax free lump sum if you are diagnosed with one of a list of serious conditions, such as cancer, heart attack or stroke. A diagnosis can happen to anyone at any age, and the financial impact can be devastating without the right cover in place.
Many policies now cover a wide range of conditions, with some insurers covering over 80 specified illnesses. We compare the market to find a policy with strong definitions and comprehensive cover at a competitive premium.
Income Protection
Income protection insurance replaces a portion of your salary if you're unable to work due to illness or injury. Unlike critical illness cover, which pays a one off lump sum, income protection provides an ongoing monthly income, giving you financial stability for as long as you need it.
It's particularly valuable for the self employed who don't benefit from employer sick pay. Policies can be tailored to begin paying out after 1, 4, 13, 26, or 52 weeks, with premiums adjusted accordingly.
Home Insurance
Buildings insurance covers the structure of your home against damage from events like fire, flooding, storms and subsidence. If you have a mortgage, your lender will require you to have buildings insurance in place from the day of exchange.
Contents insurance protects your personal belongings inside the home. Many clients choose a combined buildings and contents policy for simplicity and often better value. We can source competitive quotes from the whole of the market.
The importance of cover
Most people insure their cars and their holidays without a second thought, yet fewer people insure the thing that pays for everything else, their income and their home. The reality is that unexpected illness, injury or death can derail even the most carefully planned financial future.
Statistics from the Association of British Insurers show that someone in the UK is diagnosed with cancer every two minutes. One in four working age adults will be off work for more than four weeks due to illness or injury. Yet the majority have little or no financial protection in place.
The good news is that the right protection doesn't have to be expensive. Many policies cost less than a daily coffee, and the peace of mind they bring is immeasurable. Our advisors will help you understand exactly what cover you need and find the most cost effective way to get it.
Your loved ones
If you have dependants, children, a partner, elderly relatives, the stakes couldn't be higher. A well structured protection plan ensures that in the worst case scenario, your family can remain in their home, maintain their lifestyle, and have the financial breathing room to grieve and recover.
We typically recommend a layered approach: life insurance as the foundation, critical illness cover for serious diagnosis, and income protection to cover long term illness or injury. The combination of these three products provides comprehensive financial resilience.
Every family situation is different. Our advisors take the time to understand your circumstances before recommending any product, there's no one size fits all solution in protection planning.
As with all insurance policies, conditions and exclusions will apply. The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.