Protection

We can’t predict the future, but we can prepare for it.

We can’t predict what life has in store for us, for better or worse. But we can prepare ourselves. If you become unwell and can’t work, you may not be able to pay your bills and your family could be left in financial difficulty. Knowing you’ve taken out financial protection to take care of things will mean one less worry.

Knowing your salary is protected will give you peace of mind if you’re not able to work. Although the government offer some limited support through Statutory Sick Pay it might not be enough to keep living life as you know it. With income protection you’ll still receive some of your salary if you’re off work due to an accident, illness or injury, for example. Most policies have a waiting period between when you first become unable to work and when you can receive payments. They also usually have a limit on the amount you can cover yourself for. We’ll help you choose the cover you need to protect your individual needs.

We insure the things that are valuable to us, our cars, homes, holidays… but what about our lives? Life insurance can help your family with any financial commitments they’d be left with in the event of your death, as a lump sum is paid to beneficiaries if you die within the term of cover. There are many options available and getting financial advice will help you understand the cover you need to protect life as you know it.

Critical illness cover pays out a tax-free lump sum should you be diagnosed with a specified serious illness. Typically, these are life-threatening conditions such as some types of cancer, heart attack or stroke. It’s not designed to replace income. We can work with you to understand what expenses you may need to cover if you were to fall critically ill.