Protection Policies

Life Assurance

Life assurance has one very simple aim: it provides those left behind with the money to allow them to continue the life you had. With the correct level and type of life assurance, in the correct policy, your family can live in a home free of mortgage, the lifestyle you were working towards can be maintained, children’s school fees can continue and all the other things in life you had planned for.

Income Protection

As its name suggests, this policy protects and continues your income, should you be unable to work due to an accident or illness. To us, income protection is the cornerstone of all financial planning – without your income, no savings, investments or protection policies can be paid for or maintained. Household bills, mortgage payments – all can be covered to give you peace of mind.

There is a wide variety of policies with different levels of benefits attached to them on the market. Your adviser will find the right one for your circumstances and ensure you are not paying for cover that you do not need. They will dovetail any solution in with your company provision to ensure that you are in the best possible financial position should the worse happen.

Key Person

For many companies, Key Person cover is a critical part of their business strategy. Planning for the future is as vital as is analysing the day-to-day operational success of the firm.

Key Person insurance is a highly specialized area of financial advice and we work closely with our clients to ensure that there is no threat to their ongoing business operations should a key member die or suffer a life-threatening illness.

Business Protection

Business partnerships are vulnerable to many outside factors – personalities may clash, directional strategy may differ. One thing we can help you control, however, if what happens to your business should your partner die and how his share of your business is inherited. The person who inherits your business should be you. We work alongside your company accountant and solicitor to ensure that you have a robust and legal solution to the death of a partner.

Shareholder protection helps shareholders settle any future problems – for instance the death of one of the shareholders or when a shareholder (who is also a key member of the business) suffers from a serious illness. The insurance provides the other shareholders with the means to buy the shares back from the deceased’s estate or from the sick shareholder, if this is the course of action to be followed. This insurance is supported by legal documents that ensure that, should the worse happen, your business can continue to trade and flourish.