Almost all UK families and businesses have inadequate financial protection

We can help you protect your business and family against the unexpected

Whether you are looking to provide for your family in the event of your death or protect your business against the death of a Key Worker we have the knowledge and experience to give you the best independent advice.

Protection services we can advise on:

Family Protection

• Life Assurance
• Mortgage Protection
• Income Protection
• Family Income Benefit
• Whole of Life Assurance
• Unemployment / Redundency Cover

Business Protection

• Keyman Life Assurance
• Group Death In Service
• Group Income Protection
• Cross Share Option Agreements

Case Study

Andrew (35) and Jessica (30) Thompson have recently had their first child, Adam. Jessica has quit work to care for their child and Andrew, who works as a Civil Engineer, earns an annual gross income of £50,000. At the end of each month Andrew has around £200 spare income which is currently being paid into a Cash ISA.

Neither Andrew or Jessica have existing financial protection.

They own a property together worth £350,000 which has an outstanding mortgage of £300,000. The mortgage has been set up on a repayment basis over 35 years. They have around £5,000 in Cash ISA's but have no other savings.

Andrew and Jessica would like to know what protection they should have in place.

After condisering their circumtances we advise Andrew and Jessica to take out the following cover:

• Income Protection to protect Andrew's Salary should he be unable to work due to accident or sickness
• Mortgage Protection to repay the mortgage should either of them die
• Family Income Benefit to provide for Adam and the surviving spouse should either of them die