Why do you need protection?


Here are some possible reasons:

• To provide a lump sum to repay your mortgage in the event of you dying or being diagnosed with a specified critical illness, within the plan term
• To provide a lump sum or income to provide for your dependants in the event of you dying or being diagnosed with a specified critical illness, within the plan term
• To provide an income in the event of you being unable to work due to illness, accident or unemployment

We can provide advice and an analysis of your protection needs which will be based on factors such as:

• Your dependants and your Income and expenditure
• Your employment status
• If employed - your employee benefits
• If self-employed - the implications on your business if you, or one of your key staff,
die or are unable to work through illness
• Your liabilities e.g. mortgage and other debts
• Your assets e.g. existing savings and investments
• Your health

It is also very important that any protection plan is set up in such a way as to ensure that the claim proceeds go to the intended beneficiary(ies) as quickly as possible. We can help you do this.

We also offer a comprehensive Business Protection Service:


• Protection to compensate for the loss of a key worker
• Shareholder Protection
• Partnership Protection