Protection

Taking out insurance isn’t something you do every day

While insurance is perhaps the best-known financial product, that doesn’t mean people are necessarily motivated to find out more about it. It’s part of the toolkit our teams use every day so we’ve thought about it for you.

Shaping your protection

It’s important to have the right arrangements in place to help create security for dependants, businesses continuity and beneficiaries.

We’ll define which type of protection would be best for you, your business and your family’s future according to your circumstances and the assets and investments you hold.

How we help

Taking out insurance isn’t something you do every day. On the surface, it should be straightforward but we turn our informed knowledge of the market to your advantage by matching the right products – and what can be complex but worthwhile features – to you.

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What we do

What if? This question is vital to considering what you may need personally or professionally. With a family, it’s important to make sure protection is in place to ensure their financial future is covered. What about the impact of a serious illness? Losing your job or the value of any business you may own? We know the right “what ifs” to ask.


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Protection matters

What you need to consider

Life cover

Life Insurance is a simple concept that helps you to financially protect your family’s future.

You choose the amount of life cover you need and how long you need it for and you can pay your premia monthly or annually. Should you die during the term of the contract, it will then pay out a cash lump sum. Life Insurance simply offers reassurance that your family would be protected if the worst were to happen.

Critical illness cover

Critical illness affects many people, at any age, and can turn families’ lives upside down.

​​​​​​​Whilst many people have life assurance to cover the needs of their loved ones should they die, often they haven’t considered the more likely option of a serious illness. If you were to become seriously ill, would your loved ones struggle to keep up with household bills and the mortgage?

Insurance and inheritance tax

If you think your estate will have to pay inheritance tax when you die, you could set up a whole-of-life insurance policy to cover the tax due, so your beneficiaries aren’t left having to pay HMRC.

 

Fixed term cover

This refers to term insurance and family income benefit. Both pay the sum assured but term insurance is a lump sum whereas family income benefit pays a regular amount for as long as the policy lasts.

Income protection insurance

Permanent Health Insurance (PHI) or as it is better known, Income Protection, is designed to pay you a regular monthly income if you can’t work due to accident or sickness.

It allows you to keep up with all your essential expenditure, from mortgage/rent to utilities and groceries if you’re ever medically unable to work.

Why your business needs key person protection

Far too few businesses have any insurance to cover the one eventuality that can literally mean the end of the business and the income it provides – the death or illness (including critical illness) of a key person.

During times like the ones we’re currently experiencing, where the majority of businesses are encountering previously unimaginable trading circumstances, these individuals become even more important.

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Related resource

Why your business needs Key Person Protection: a guide

Far too few businesses have any insurance to cover the one eventuality that can literally mean the end of the business and the income it provides – the death or illness (including critical illness) of a key person.

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