Whatever your circumstances and stage in life, protection has never been more important.

Protecting yourself and your family is at the forefront of everybody’s mind. Regardless of your circumstance, you will find that there is a protection product available designed to meet your needs and provide peace of mind that you and your family have the most protection available.

Protection policies are underwritten and tailored to your specific needs. These policies can pay out a tax free lump sum or replace an income depending on your needs. As well as providing specific recommendations based on your needs and circumstances, we are also able to provide budget driven recommendations which prioritise the needs that you have within a specified budget.

Our Protection Products

Income Protection

Income Protection is used to provide a monthly income if you are unable to work for a specified period of time. This can be especially useful if you do not receive sick pay through your employer or if you are Self Employed. You can decide how much you would like the policy to pay out per month or you can stick to a specific budget and the policy will pay the maximum income available from the budget you have given.

Mortgage Protection

Mortgage Protection is used to provide a tax free lump sum should the policyholder(s) either die or be diagnosed with a critical illness. Our advisers will provide a recommendation based on the size of your mortgage and the outstanding term. A policy recommended by us will ensure that you have the security of knowing that you have adequate protection for the best possible price. You will then have the knowledge that should anything happen, you will have the security of knowing that your mortgage can be repaid if you choose to.

Family Protection

Family Protection policies are used to either provide a lump sum or a regular income should the policyholder die or be diagnosed with a critical illness. We are able to provide advice on the level of cover required to meet your specific needs and requirements and our recommendations can include Life and Critical Illness policies. Clients like these policies as they are keen to ensure that any plans they had made in relation to providing for their children and family would not be at risk as a result of them either dying or being diagnosed with a critical illness. This would mean that plans such as school/university fees would not be at risk or that your spouse would have extra income to replace the income the household has lost as a result of a claim.

Business Protection

There are many forms of Business Protection. Here are some of the most common:
Key Person Cover: Protect your profits if you lose an employee through death, disability or severe illness.
Shareholder or Partnership Protection: Keep control of your business if a shareholder or partner dies or suffers a severe illness.
Loan Protection: Cover your business loans if a shareholder or business partner dies or suffers a severe illness.