Personal Protection

We all want to make sure our loved ones will be taken care of in the event of illness or death. Find out how we can help protect you and your family.

No one likes to be reminded of their own mortality but most of us do want to make sure our loved ones are taken care of should we become ill or die. Personal protection is more than getting cover in place, it’s about getting the right cover for your personal circumstances.

We can help if you…

  • Are reviewing or taking out a mortgage
  • Are getting married or even divorced
  • Have family or dependents
  • Have recently changed job – your employer benefits may be different
  • Are self employed
  • Have existing protection policies

So how does it work?

It all begins with a discussion with one of our experts about your personal circumstances, needs and wishes. Then we can help you get the right type and level of protection in place so, if the worst does happen, money is not one of the things your loved ones will need to worry about. Which means you won’t need to worry about it either.

Our protection planning experts can make sure your loved ones’ financial position is protected in the event of illness or death, ensuring mortgages or other debts are paid. We can also make sure that funds are available on death to cover any inheritance tax liabilities.


Typically our advisors would talk you through…

  • Life insurance – to provide either a lump sum or regular monthly income in the event of death
  • Critical illness insurance – to provide a lump sum upon diagnosis of a serious illness
  • Income protection – to provide a regular income if you become unable to work due to illness or injury
  • You can also talk to us about Estate Planning.

Call us today and we’ll guide you through the process for peace of mind.

Get in touch

Meet our Personal Protection specialists

Gary O’Brien

Director & Chartered Financial Planner

Specialisation

Pensions Transfers and Trusts

Michael Oglesby

Director & Specialist Later Life Financial Planner

Specialisation

Later-Life Financial Planning

Mark Fisher

Director

Specialisation

Financial Planning

Nick Blake

Mortgage Consultant

Specialisation

Residential/Buy to Let Mortgages and Protection

Ruth Norman

Financial Planner

Specialisation

Financial Planning, Equity Release

John Nurden

Mortgage Consultant

Specialisation

Residential/Buy to Let Mortgages and Protection

Graham Jones

Mortgage Consultant

Specialisation

Residential/Buy to Let Mortgages and Protection

Some frequently asked questions to help with your decision making:

What type of cover do I need?

This depends entirely upon your own personal circumstances. We can discuss this with you confidentially, establish what’s most important to you and make some recommendations.

What happens with any existing policies?

We will review your policies to ensure your cover meets your needs at a competitive cost.

How do I ensure that any funds go to who I want them to go to?

We will explore whether your policies need to be placed in trust and the importance of having an up to date will.

Which providers do you work with?

We look at the whole market to seek out the best cover at the best price. We’re not affiliated to any particular providers which is the great thing about being an independent financial advisor.

Call us today and we’ll guide you through the process for peace of mind.

Get in touch

Our Chartered Financial Planning status is an indication of our commitment to delivering the highest standards and ethical behavior. It’s our industry’s gold standard.
Our Cyber Essentials accreditation is a sign we take data security seriously. We have proven measures in place to ensure all our client’s data is held and processed securely. It’s peace of mind for all of us.