Protecting yourself and your family

Nobody likes to think they may get ill or even die but the harsh reality is that is could happen. And when you have financial liabilities – such as a mortgage – or people that depend on you – such as your spouse or your children – it is vital to ensure you are adequately protected for these eventualities.

For example, what would be the financial effect if:

You or your spouse were to die?
You were to contract a critical illness such as cancer?
You were seriously ill and unable to work?
You were made unemployed?

Protection plans allow you to insure yourself against the impact of these events:

Term assurance - provides a lump sum on death
Decreasing term assurance - provides a reducing sum on death, often to cover the reducing liability on a repayment mortgage
Family income benefit - provides a regular income to your dependents on death
Critical illness - provides a lump sum on the diagnosis of a specified critical illness
Income benefit - provides a regular income if you are unable to work through long-term sickness or disability
Unemployment plan - provides a short-term policy to cover mortgage payments in the event of redundancy

Why Protection & Investment?

We can help you establish your financial liabilities and will advise on how you can insure yourself against key risks. And, as independent advisers, we will search the market to seek out the most comprehensive and cost effective protection products.

In addition, we will ensure that any policies are structured in the most effective way. For example, should they be held in trust or by another person to ensure the money is available to the right people as quickly as possible.

Next steps

To discuss your protection options, contact us today.

We also offer advice on:

• Overview
  
• Inheritance tax planning
  
• Mortgages
  
• Planning for retirement
  
• Protecting yourself and your family
  
• Retirement income planning
  
• Saving and investing