Protection and Insurance

It's possible to insure most things in life and it is usually essentially or sensible to do so; we insure our cars, homes, holidays, cats and dogs! However, when it comes to insuring our lives and providing loved ones with the protection to continue the lifestyle we’ve worked hard for, we put it off for another day.

What would happen if the primary earner were to die suddenly or if a family member developed a serious illness?

We have or will experience life changing events at some point in our lifetime. Putting suitable financial protection and insurance in place means that you can be safe in the knowledge that should the unfortunate or unexpected happen, your family’s financial needs are covered.

Our role is to work with you, understand your family’s needs and help put in place the best solutions for you and your family to make the process as straight forward as possible. We can discuss all options of protection and insurance for you, whether it is long term care, short term employment cover, critical illness or life insurance we can help you find the right protection for you.

We will complete a comprehensive review of any existing life insurance of healthcare policies you may have, identify any potential shortfalls, along with an in-depth look at what you are covered for.

Types of Protection

• Life insurance: Protects your family or dependents financially in the event of your death and it is designed to pay your family money
• Critical illness or serious illness cover: is a type of insurance that pays out a lump sum, e.g. if you are diagnosed with a serious illness, the list of conditions is comprehensive
• Income protection: will typically pay out a monthly income that replaces part of your income if you are unable to work due to illness, disability or injury, where you are prevented from carrying out your normal job
• Private medical insurance: Designed to cover treatment for curable, short-term illness or injury
• Business protection: pays out money in the event of death or serious illness of a key member of staff

We have long lasting relationships with our clients which enables us to review your circumstances on a regular basis to ensure that your level of protection remains suitable. Our qualified financial advisers are available for a no-obligation discussion about your insurance and protection needs with the initial consultation on us.