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.
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.