Personal Protection
Safeguard your family's financial future against the unexpected.
The foundation of any robust financial plan is protection. While we all hope for the best, failing to plan for the worst can leave your loved ones financially vulnerable during the most emotionally difficult times.
We provide expert advice on comprehensive protection strategies to ensure that if you were to suffer a critical illness, an accident preventing you from working, or premature death, your family's standard of living and your home are secure.
How We Add Value
- Whole-of-market independence — we search every insurer, not a restricted panel, so you always receive the most competitive premium for the strongest available policy terms.
- Claims strength is our priority — we scrutinise each insurer's track record and the precise wording of their policy definitions, because a cheap policy that won't pay out is worse than no policy at all.
- Trust formulation included — where appropriate, we write policies in trust as standard, ensuring your family receives the payout quickly without probate delays or unnecessary Inheritance Tax exposure.
- Existing cover audit — we review any policies already in place, including employer death-in-service and group sick pay, so we fill genuine gaps without creating costly, unnecessary overlap.
- Annual review as standard — your cover is reassessed every year as part of your annual review, adapting as your income rises, your family grows, or your mortgage balance reduces.
Our Process
We discuss your income, outgoings, dependents, and any existing cover to fully understand the financial consequences your family would face if you were to die, suffer a critical illness, or lose your ability to work.
Annual Review Included
Every client receives a structured annual review at no extra cost. We proactively assess your pension and protection position each year and deliver a written report with a clear action plan — so your financial plan stays current as your life evolves.
What We Can Arrange
Protection Products
Independent advice across the full range of personal protection — sourced from the whole market, not a restricted panel.
Life Insurance
Pays a tax-free lump sum or regular income to your family if you die during the policy term — clearing your mortgage and replacing lost income when it's needed most.
Critical Illness Cover
Pays a tax-free lump sum on diagnosis of a specified serious condition — cancer, heart attack, stroke, and more — giving you financial breathing space to focus on recovery.
Income Protection
Pays a regular tax-free income — typically 50–70% of your salary — if you're unable to work due to illness or injury. Cover continues until you recover, retire, or the policy term ends.
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Income Protection Calculator
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Family Income Benefit
Rather than a one-off lump sum, this policy pays a regular tax-free income to your family until your children are grown — often simpler to manage than a large single payment.
Whole of Life
Unlike term policies, whole of life cover has no expiry date — it pays out whenever you die, making it a useful tool for estate and Inheritance Tax planning alongside leaving a guaranteed legacy.
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Expert Insights
Common Questions
What is the difference between Life Insurance and Critical Illness cover?
Life Insurance pays out if you die during the policy term. Critical Illness pays out a lump sum if you survive but are diagnosed with a specified severe illness (like cancer or a heart attack).
Do I need Income Protection if I get sick pay?
Employer sick pay is usually limited (e.g., 3-6 months). Income Protection can be designed to start paying out exactly when your employer sick pay stops, continuing until you recover or retire.
Why should I put my policy in Trust?
Writing a life insurance policy in Trust ensures the payout goes directly to your beneficiaries quickly, avoiding the lengthy probate process and usually preventing the payout from being subject to Inheritance Tax.
Risk Warning: The value of investments and the income from them can go down as well as up. You may get back less than you invest. Tax treatment depends on individual circumstances and is subject to change.
Explore Further
In-depth personal protection guides
Financial Advice After Redundancy
Redundancy is unsettling — but with the right financial planning, it can also be a moment to reset and rebuild on stronger ground.
Read guideFinancial Advice After Bereavement
There is no financial urgency that should rush you through grief — we are here when you are ready.
Read guideFinancial Planning for a New Baby
A new baby changes everything — including your financial priorities, your protection needs, and your long-term plan.
Read guideFinancial Advice When Changing Jobs
A job change is the perfect moment to review your pension, protection, and financial plan — before the old chapter closes.
Read guideSecure your future today.
Book a complimentary consultation with an expert adviser to discuss how we can help you with personal protection.
Protection: Protection plans are subject to terms and conditions. The availability and cost of cover depend on individual circumstances.