Protection Advice

We are a well established company that offers expertise in insurance protection cover.

It is certain that during life you, or your dependents, will experience one of several events.

You will either:

• die too soon - which is dying and leaving dependants.
• get sick - which is when you become incapacitated and unable to work and earn an income.
• live too long - which is when you live into retirement and require an income.
• require long term care - which is when you need money to provide for your care and nursing needs.
• leave money to the tax-man - which is when your estate will owe inheritance tax.

When looking at your personal financial planning needs, many people will look and review their savings, which is an important aspect of financial planning, however, reviewing the amount of protection cover that you hold, in order to ensure sufficient cover is in place is of vital importance.

It is also important that any insurance is placed in to the right hands at the right time. This can be achieved by placing into a relevant 'trust'. Life insurance that is not within a trust, often increases the level of inheritance tax that is due from your estate and dependants often get less than intended as 40% disappears in tax!

We offer a service that goes beyond the matter of finding the cheapest quote or illustration.

As 'Independent Advisers' we offer to you protection products from all product providers. We do not limit our research to one single provider.

We also offer a full range of the different types of protection products.

We believe that it is important that you understand the type of protection policy that you are taking out and a full understanding of the any that you already hold.

We can explain the differences between a level term assuance and decreasing term assurance. We also offer a full explanation regarding the differences between critical illness plans, income protection plans and private medical insurance. We describe this as guiding you through the supermarket of protection cover.

Why not use our [income protection] calculator in order to assess your own needs.