As an Independent Financial Adviser I make sure your life and health insurances are the best they can possibly be. Whilst helping you to make the right choices to pass on your assets in the most tax efficient way possible.
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Protection Solutions
LIFE INSURANCE
“What would happen to your loved ones if you were no longer around?” Life insurance provides financial security for your family, ensuring they can cover mortgage payments, living expenses, and future costs in your absence.
BUSINESS PROTECTION
“If something happened to you or a key member of your team, would your business survive?” Business protection helps safeguard your company against financial disruption caused by the death or serious illness of an owner, director, or key employee. It provides essential funds to cover debts, replace key personnel, or facilitate business continuity. Whether it’s key person insurance, shareholder protection, or loan protection, having a plan in place ensures your business remains stable in uncertain times.
CRITICAL ILLNESS COVER
“A serious illness can turn your world upside down—would you have the financial cushion to cope?” Critical illness cover provides a lump sum payout if you’re diagnosed with a life-altering illness, helping to ease financial stress while you focus on recovery.
RELEVANT LIFE COVER
“A tax-efficient way to protect your employees and their families.” Relevant life cover is a business-funded life insurance policy designed for directors, employees, and high-earning professionals. It offers a lump sum payout to an employee’s family if they pass away while employed, all while benefiting from potential tax efficiencies.
INCOME PROTECTION
“If you couldn’t work because of illness or injury, how would you pay your bills?” Income protection insurance ensures that if illness or injury keeps you off work, your income doesn’t stop. Unlike sick pay, this cover provides long-term financial security—so you can focus on getting better, not worrying about money.
PRIVATE MEDICAL INSURANCE
Health insurance gives you access to private hospitals, specialists, and faster treatments—because your health shouldn’t wait.
Your policies should be reviewed regularly to ensure they still meet your needs. Ask yourself: ​​​ ​ Do you understand what is and isn’t covered? Stay informed about the conditions and scenarios your policy addresses to avoid surprises during a claim. ​ ​ Is your cover still appropriate? Does the policy provide sufficient income to cover your current financial commitments? ​​ Are your policy terms still suitable? Review the waiting period, benefit period, and exclusions to ensure they align with your current circumstances. ​ ​ Have you changed jobs or your work circumstances? New roles or becoming self-employed may impact your coverage. ​​​​ ​ Has your income increased or decreased? Your policy should reflect your current income level to avoid overpaying or being underinsured. ​​​​​ ​ If you’d like to review your existing income protection policy or want to ensure you’re getting the best coverage for your money, get in touch today. A quick check could help you save money or improve your financial security.​​​​​​​