Protection

Protection is the term we use to describe lots of different insurance products, all of which protect you, your family and your future. Each policy is designed to cover a specific unforeseen circumstance, including death, diagnosis of a serious illness, time off work due to ill health or injury, and much more.

Pregnant lady and man couple

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

As well as advising on mortgages, we are fully qualified and highly experienced protection Advisers. If you’re already talking to us about a mortgage, or just want to talk about protection, one of our trusted advisors will complete a full protection review to highlight vulnerabilities and suggest solutions that fit within your budget.

All our initial consultations are completely free, with no obligation. We are independent Advisors, which means our suggestions are not limited to a single provider, instead we have access to a vast range of insurance providers and their products, to find the right solution for you.

Critical Illness Cover (CIC) pays out a tax-free lump sum in the event of the policy holder being diagnosed with a critical illness. Each insurance provider covers a range of conditions, and most offer a variety of options to fit your budget. Our Advisers will find you the best cover from across the market, based on your preferences and affordability. The process we use includes finding a policy with the most relevant conditions to you, based upon your age, sex and if you are (or have been) a smoker. Many policies now include a section for children’s critical illness cover too, which our Advisers will also factor into their research.

Income protection pays out a tax-free income in the event of a policy holder not being able to work through ill health or injury. At first, your employer may offer sick pay (which an advisor will determine during your protection review), but once this stops, Income Protection gives you the peace of mind that you can still pay bills, support your family and your lifestyle.

Income Protection can be of particular importance if you are self-employed, as you’re less likely to have access to adequate sick pay. There are many different income protection plans available to suit a variety of budgets, and most importantly, protect your future.

Life insurance pays out a lump sum, or an income, in the event of a policy holder’s death. As part of your protection review, an Advisor will guide you through how you can protect your family, should the worst happen. We can arrange for a mortgage to be cleared upon your death, or for an income or lump sum to be left behind for your family.

As well as advising on and arrange your cover, an Advisor can also place your life insurance policy ‘in trust’. This means you can choose wo receives the money, and that they receive it quickly, without having to pay inheritance tax.

Whole of Life insurance is a type of policy that pays out a lump sum on death, rather than over a fixed time frame which could stop before death. The main reason why clients opt for Whole of Life insurance is to help those left behind with Inheritance Tax payments, funeral costs, or mortgages.

A policy can be arranged on a single or joint lives basis, and you are guaranteed a pay out, no matter how old the policy holder is at the time of passing. This means Whole of Life insurance is usually more expensive than other forms of insurance (because providers understand that they will have to pay out eventually), but there is a wide range of policies and premiums available at competitive rates.