PROTECTION
Everything is based around trust, you being open and honest with us and then we can tailor the best solutions for your needs.
INDIVIDUALS
As an individual you are responsible for your own finances, it also means if something happens that impacts your ability to work or lifestyle your savings or family may have to be relied upon if you do not have the relevant protection plans in place.
Click below to find out how best to protect yourself.
COUPLES
As a couple you may be fortunate enough to have the back up from your partner should something happen, but it could still result in considerable strain on your finances as well as relationship, and if one were to die it could impact the others future especially if your mortgage is not protected.
Click below to find out how to protect yourselves.
FAMILIES
The average cost of raising a child in the UK is estimated to be £75,000* up to the age of 18. Children therefore place a greater requirement for protecting the family unit.
Have you sufficient life cover in place for guardians, do you even have guardians for your children?
Click below to read about your options.
*according to the child poverty action group.
Products we advise on
Life Cover
Family Income Benefit
Income Protection
Critical illness Cover including cover for children.
Accident, Sickness and Unemployment cover
Our areas of specialism
Clients with health conditions, eg diabetes or history of mental health.
Divorce and separation
Protection for the over 50's
Clients with low or high BMI's.
Why use us? The Extra things we help with:
Annual reviews for all clients
Reviewing your existing plans and cover from work
Placing plans into appropriate trusts
Helping you make a claim
Helping your beneficiaries make a claim
Free Single or Mirror Wills to all clients.
Tip 1
Do you know what your fixed outgoings are?
A good starting point is to look at what you need to spend each month, how much you have in savings and then consider how long your current standard of living could last if you had no income.
Contact us to help.
Tip 2
Have you been a smoker in the past?
If you have been a smoker and not smoked during the last 12 months you can be eligible for products on non smoker rates. It is always worth reviewing your eligibility for insurance. Why pay more just because you were a smoker.
Speak to us for a review.
Tip 3
One thing many people forget to do is update their beneficiary details on protection plans after a divorce, separation or birth of a child.
Check if your plans are up to date to ensure the right people can benefit.
Speak to us for help and advice.
Tip 4
Did you know if your life cover is not in a trust it can be liable for Inheritance tax as it will be added to the overall value of your estate upon death.
Do you want your life cover to be taxed at 40%? We can help ensure it is not.
Speak to us about the other benefits of trusts.