Protection

Protecting your family

We advise on the level of cover appropriate to your requirements, the best form of insurance to meet your needs and then make the necessary arrangements for you.  Including:

  • Life Assurance;
  • Critical Illness insurance; and
  • Income replacement on injury or illness.

Protecting your business

If you run your own business, there are finance risks beyond those covered by commercial insurance policies including the financial loss your business could suffer were you, a partner, or a key employee to die or become severely ill and unable to work.

We can help you quantify the risk and recommend solutions that aim to help your business weather the storm.

We can advise on employee benefits that can help you protect your business by providing flexible remuneration packages aimed at helping you retain high calibre staff.

Later in life

Later in life, many people become ‘asset rich, income poor’, living in a larger house than they need, but have only modest pension and other income.

One option may be to downsize, while an alternative is to release equity from the home itself, and continuing to live there.  Equity Release is a lifetime mortgage.  To understand the features and risks, ask for a personalised illustration.

We can guide you to the most appropriate arrangement to match your needs and involve your family.

Another consideration is the possibility of needing nursing care in later life when the costs can become quite considerable.  Fortunately, there are ways in which we can help in such circumstances.

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