Protection Planning

Individuals arrange protection policies for various reasons. You might need Life Insurance to ensure that a lump sum is payable if you die, to repay a mortgage or substantial loan, to provide funds for your dependents so their standard of living is maintained (this could also take the form of a monthly income rather than a lump sum), or to meet an Inheritance Tax liability.

Life Insurance can be taken out for a specific period of time, or for the rest of your life (this type of cover is often used in conjunction with a Trust to provide funds for your beneficiaries to meet any Inheritance Tax liability on your death). There are also Health Insurance plans that can provide a lump sum if you are diagnosed with a ‘critical illness’ or a regular monthly replacement income if you are unable to work long-term due to incapacity.

After discussing your objectives and financial priorities with you, we can help you establish which type of cover is most suitable for your needs, how much cover you should have, over what period of time the cover should be taken and whether the use of a Trust is appropriate. As we are Independent Financial Advisers, we will fully research the marketplace before recommending suitable plans to you.

You should make sure you have a valid Will in place, as part of your overall estate planning and we can also provide you with bespoke Inheritance Tax advice if required.










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