Protection
Protection is the part of a financial plan nobody wants to think about and everybody is glad of later. The right cover means that if you were unable to work, became seriously ill, or died, your family would not also be facing a financial crisis. We look at what you would actually need, what your employer already provides, and what it would cost to close the gap, then find the right policy from across the market.
Most people are underinsured and do not know it. Employer death in service sounds generous until you work out what it actually pays, and sick pay usually runs out long before you are back at work.
We start by working out what would actually happen to your household income, then look at what it would cost to close the gap. Often it is less than people expect.
Life Cover
A lump sum or an income for your family if you die. Written in trust it can sit outside your estate for inheritance tax.
Critical Illness
Pays out on diagnosis of a listed condition. Definitions differ between insurers, and that difference matters.
Income Protection
Replaces part of your income if illness or injury stops you working, until you recover or reach retirement.
Home Insurance
Buildings and contents. Rebuild cost is not market value, and underinsurance can cut a claim.
Landlord Insurance
A standard home policy is invalid on a let property. Landlord cover adds property owners liability and loss of rent.
Health Insurance
Private medical cover for prompt treatment. It works alongside the NHS rather than replacing it.