For people with mortgages or family responsibilities, having an adequate level of financial protection in place is simply a matter of common sense. You may already have some protection policies in place.
But when was the last time you reviewed them?


Changes in your personal circumstances may mean that it’s time to examine your insurance arrangements. It could be that your existing cover is adequate.

But if you haven’t reviewed it recently, how can you be sure?

Many people have existing policies in place and are unsure what they actually do cover and how they will pay out !

The cost of life assurance has reduced for many people in recent years. Developments in medical science and in the treatment of serious illnesses has meant that our life expectancy is now longer than ever before and we pose less of a risk to the insurers. Unfortunately however that doesn’t mean that you can ignore the subject!

As professional financial advisers we are experts in providing advice and arranging protection. We help to reduce our clients’ worries by ensuring that, should the worst happen, the emotional impact of the situation isn’t made worse by the absence of proper financial provision.

As we are independent advisers we can search the market for the most suitable and competitive deals for you.

I’ve listed below some of the types of protection plans that I use to provide solutions in the areas I've highlighed. I’ve tried to explain them in a ‘Plain English’ way to get the main messages across about what the products do.

However for a more detailed explanation or a personalised illustration just click on one of the ‘link’ buttons to request more information or to set up a meeting when I will go through these areas in more detail.


• Life Insurance usually pays a fixed sum should you die within the policy term. Premiums can be either fixed or decrease over the period of the insurance according to your needs. There are a number of variations of this type of policy that can be used to provide lump sum cover for mortgages, family protection and to provide care for an elderly dependant.

• Family Income Benefit is a type of life insurance which pays your family an ‘income’ for the term of the policy to help them cope without you. It can be set up on an increasing basis and is useful in particular for providing a ‘salary replacement’ in the years when your children are going through school and further education and are at their most expensive time.


• Income Protection is used to help replace lost income in the event of long-term illness or accident. Cover is usually arranged over a term to coincide with retirement or at least until the end of your mortgage term thereby providing cover for the period when you will need it most.


• Critical Illness Insurance can provide a ‘one-off’ payment or an income if you are diagnosed with a specified illness, to help you cope with the consequences. This can also be combined with life insurance within one policy that will pay out in the event of ‘death or a critical illness’ and is ideal for covering your mortgage or other loans.