Protection

Hope is that we would be able to fulfil our long-term aspirations, unimpeded by matters of health. The unfortunate truth is that's rarely the case. So, what’s plan B? 

Along with physical and psychological effects, the financial implications of a death, serious illness or lengthy spell out of work can be significant and affect more than an individual. There's no way around it being unpleasant to think about. However, taking action could mean financial support is provided at a time you or your family need it most.

We help our clients plan with foresight, rather than regret in hindsight, by recommending ways to relieve financial burdens during destressing times. No financial plan is complete without a robust underpin.

Consider these difficult questions: -

• What if  you wasn’t here to provide financial support? Would the lives of those reliant on you change for the worse? Consider the home, debts, essential outgoings, lifestyle, additional help & future plans. 
• What if  a critical illness struck? Would your financial position be an additional stress to contend with? How could that affect earnings or savings that are likely there for other important purposes? Would you have enough for any additional costs and challenges that may arise? 
• What if  you wasn't able to work and your income stopped? What impact would that have on your lifestyle and future outlook? (And of those around you). 

Arranging a meeting to discuss your protection needs could be one of the most important decisions you make. Get peace of mind knowing that, whatever happens, you will be financially equipped to best deal with it.   

We offer a review service for existing policies to establish if they are still fit for purpose, highlight any shortfalls, and source better quality/value options, where possible.

We advise on a range of Life Cover (LC), Critical Illness (CI) and Income Protection Insurance (IPI) policies and ensure they are established in Trust as and where appropriate.