Protection Advice
We are a well established company that offers expertise in insurance protection cover.
It is certain that during life you, or your dependents, will experience one of several events.
You will either:
- die too soon - which is dying and leaving dependants.
- get sick - which is when you become incapacitated and unable to work and earn an income.
- live too long - which is when you live into retirement and require an income.
- require long term care - which is when you need money to provide for your care and nursing needs.
- leave money to the tax-man - which is when your estate will owe inheritance tax.
When looking at your personal financial planning needs, many people will review their savings, which is an important aspect of financial planning. However, reviewing the amount of protection cover that you hold, in order to ensure sufficient cover is in place, is of vital importance.
It is also important that any insurance is placed in the right hands at the right time. This can be achieved by placing into a relevant 'trust'. Life insurance that is not within a trust, often increases the level of inheritance tax that is due from your estate and dependants often get less than intended as 40% disappears in tax!
Our Independence
We offer a service that goes beyond the matter of finding the cheapest quote or illustration.
As 'Independent Advisers' we offer you protection products from all product providers. We do not limit our research to one single provider.
We believe that it is important that you understand the type of protection policy that you are taking out and have a full understanding of any plans that you already hold.
We also offer a full explanation regarding the differences between critical illness plans, income protection plans and private medical insurance. We describe this as guiding you through the supermarket of protection cover.
Our corporate advisers are on hand to offer you advice on protecting your business against the loss of a key employee. Partners and co-directors should also take time out to review what will happen to the share of a partner or director who dies or is ill and unable to work. What agreements are in place should the worst happen?
Why not take a financial review of your own circumstances with one of our qualified advisers.