Financial protection


What would happen if you were unable to provide for your family due to an accident, unemployment, serious illness or death?

Without the right protection, losing all, or even part, of your household income could result in significant financial difficulties for you and your family.

With the appropriate planning and having financial protection in place you can ensure that your family’s income and lifestyle are safeguarded if the unexpected happens. You’ve worked hard to provide for your family. Now make sure that they are protected should the worst happen.


Clear and objective financial protection advice

We help you to achieve the peace of mind that comes from knowing that, if necessary, the right funds will get into the right hands at the right time.We can provide advice on a range of financial protection products, including:

  • Life assurance – to protect your mortgage and your family’s standard of living. We can also help to ensure you pay little or no Inheritance Tax on the money received.
  • Critical illness cover – if you are diagnosed with a critical condition a lump sum or a regular monthly income can be paid. This can be used to pay off your mortgage as well as maintaining your family’s lifestyle.
  • Income protection insurance – a tax-free or subsidised income is payable in case of illness or accident, which would enable you and your family to maintain your desired standard of living.

A bespoke, personal service


Empathy and sound advice are the cornerstones of our service. We will sit down with you and gather all of the information necessary to fully understand your requirements. As independent financial advisers, we are able to search the whole of the market and find financial protection products that suit your needs.

We will provide you with various options and help you to understand the advantages and disadvantages of each. We also offer regular reviews of your policies and circumstances, to ensure that the protection you have in place remains appropriate.

Get in touch today to find out how you can benefit from our many years experience protecting families like yours from the unexpected.

Do note the following:

The FCA (Financial Conduct Authority) does not regulate Inheritance Tax planning.

If the recommended critical illness policy does not have an investment element it will never have a cash in value and cover will cease at the end of the specified term or if premiums are not maintained.

Plans of this nature may not cover all definitions of a critical illness so please refer to the plan documentation.

Tax treatment is based on individual circumstances and may be subject to change in the future.


Contact us today to book your initial consultation