Protection & Insurance Advice
Building wealth is the first part of creating your financial future, protection is what we do next to ensure what you have built isn’t at risk from the unexpected.
Products we routinely offer advice on include:
- Life Insurance Cover
- Critical Illness Insurance
- Income Protection Insurance
- Relevant Life Cover
1. Life Insurance Cover
If you have a young family, a mortgage or a life full of commitments, life insurance is a way to protect yourself should the unfortunate happen. With critical illness cover you will have help and support which will cover the cost of medical bills and care costs. Help is also available with your financial commitments, as well as travelling abroad for treatment should it be required.
Life insurance could help cover household bills or even the mortgage should you or your loved one die. This gives peace of mind that those close to you will be well looked after in later life.
3. Income Protection Insurance
The most valuable asset for generating an income is yourself. It’s important to protect it. Income Protection gives you peace of mind that in the eventuality that you cannot work, your bills are covered and the mortgage is paid.
4. Relevant Life Cover
This life insurance policy is tax-efficient and allows companies to offer a death-in-service benefit to its employees. Once set up by the company it will pay out a tax-free lump sum to the person insured upon death or a diagnosis of a terminal illness. The employee’s family or financial dependents will benefit from this insurance.
Why should I arrange protection through an adviser?
Many insurance products can be purchased quickly and easily without the need for an adviser. However, this can mean higher premiums, contrary to what you may assume. It’s worth noting that:
- We’re accountable for our decisions and recommendations by the FCA and financial guarantees exist that protect you.
- We know which details that when shared with providers can bring your premiums down
- You’ll gain access to preferential rates that you won’t find elsewhere by shopping around yourself. Providers offer us preferential rates as they know we’re fitting the right person to the right insurance product and don’t need to do this themselves.
Why do our clients choose us?
- We’re a Chartered Firm, which means we’re held to exceptionally high standards of client outcomes.
- We’re part of the Quilter Financial Planning network, giving you access to some of the most valuable financial planning resources available.
- We’re a friendly team, who understand that your lifestyle, family and future are all part of the financial decisions you make.
Call us on 01952 279 379 or visit our contact page for more options.
