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Typical solutions may include
  • Income Protection
  • Family Income Benefit
  • Inheritance Tax
  • Term Assurance
  • Whole of Life Assurance
  • Critical Illness
  • Private Medical Insurance
  • Accident Sickness and Unemployment
  • Long Term Care
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Protection Solutions
We all go through good times – and bad. We would like to help protect you and your family in the event of death, a serious illness, or long-term absence from work.
Protection Solutions
The financial effects on your family in the event of death or illness can be profound. That's why we believe that financial planning should begin with ensuring secure and appropriate protection. There are many protection options and we will help you to identify those most suitable and set out priorities based on your budget.

For some clients, plans are best written under a trust to ensure that monies are available for the right people at the right time. Whatever route is best for you, we’ll give you all the help and guidance you need.

Some of the more popular protection plans are:

  • Term Insurance:
    Pays a capital sum on death within a specified period. The level of cover can be fixed at outset, although some plans allow increases.

  • Family Income Benefit:
    Pays a regular income for a specified period. Often used to provide security until children are self-sufficient.

  • Mortgage Protection:
    Designed to repay your mortgage in the event of death, reducing further stress and protecting the home for those left behind.

  • Critical Illness:
    Pays a lump sum in the event of a critical illness to help cope with costs and loss of earnings.

  • Income Protection:
    Used to provide a regular income when unable to work, due to illness or injury.

  • Private Medical Insurance:
    Provides you with choice, control and peace of mind when you need it most.
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When hard times strike, benefits paid by the state or your employer may prove far too low to give the support you need. Protection cover can be relatively inexpensive and many insurers have actually reduced their rates over recent years. We can help you secure affordable cover that’s right for you, so you can enjoy real peace of mind.