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Protection Plans

Why consider financial protection?

We offer advice on life, critical illness, both level and decreasing term assurance, whole of life insurance and income protection and personal sick pay for individuals and businesses.

Whether you are employed or self-employed, whether you have a mortgage and whether or not you have dependents, life assurance and protection plans are a necessity. With all the goodwill in the world, should the unexpected happen we offer our clients peace of mind that their loved ones will be looked after. We not only advise and arrange these plans but we also offer a service that should you need to claim we will assist you every step of the way.

Protection needs through life change. For a young couple with a mortgage debt and a young family it is imperative to have the mortgage debt insured and your income covered. Decreasing term assurance, Family Income Benefit plans and Income Protection plans offer these covers. There are many providers available and we help you choose the right plan for you within your monthly/annual budget. We review these every year to check they are suitable for your needs.

As you get older your need may change to a whole of life plan to help cover any pending inheritance tax issues your family/loved ones may face. Again we review these plans to check they still cover the necessary sum assured and we keep you up to date of changing tax brackets such as the new RNRB (resident Nil Rate Band) that is being phased in between April 2017 and April 2021.

We offer advice on the following and other protection plans for individuals and businesses.

  • Level Life and or Critical Illness
  • Decreasing Life and Critical illness plans (mortgage protection)
  • Family Income Benefit plans
  • Whole of Life Plans
  • Income Protection Plans

Ready to find out more?

Our friendly team is ready to take your call.