Why Protection?​

protectionNaturally, we never want to think about having an accident, becoming critically ill, or even dying. In an ideal world, we will have great lives, get old, our loved ones will be financially secure, and our financial responsibilities will have been taken care of.

Sadly, this situation isn’t always a reality. And, even if we do live a long and happy life, we may, at some point, suffer an illness or accident that prevents us from earning an income. It’s therefore sensible to consider how best you’d protect your finances and those of your family if the worst were to happen. That’s where we come in.

We aim to ensure that you are made aware of the different types of protection covers available on the market and the benefits that these can bring to you. It can be challenging to understand what types of protection cover you need and what it all means. This is where we can advise you on the right cover, considering your requirements, outgoings, and lifestyle expectations. We aim to ensure that you are offered a tailored protection solution so that you and your family are taken care of should the unexpected happen. We will also discuss with you the benefits of putting your policy in trust.

Our goal is to continually work with you following your initial review. It is essential that we review your circumstances from time to time as you may need to adjust the level of cover you have over time as you experience different key life changes.

Protection plans (with no investment element) will have no cash in value at any time. If premiums are not maintained, then cover will lapse