Protection Insurance

Protecting your home and your quality of life

Finding you the right cover for your budget

There are events in life we could all face that have the potential to make our lives very difficult. It’s not a nice thing to think about, but you might not always be healthy. And if you’re not, the first thing you and your family will miss is your income.

Taking out the right level of protection is aimed at helping you to keep your home (or property) and will also help to maintain the standard of living for you, and your family, should something untoward happen.

Where we can help

  • Protection insurance to secure your home, your income and your standard of living, should the worst happen.
  • Reviewing your protection plans through the different stages of your life.
  • Recommending the right cover for your needs within your budget.

Your protection needs through the different stages of your financial life

Protect your income so you can pay your rent or mortgage if you’re made redundant.

Review your new employers benefits to make sure your current protection plans cover your new salary.

Review your protection plans to make sure you have adequate life cover and your income is protected, so you can continue to repay  your mortgage should you be made redundant or suffer from an illness.

Review your protection plans to make sure your family’s standard of living is protected if you’re made redundant or suffer from a short or long-term illness.

Review your protection plans to make sure they are still suitable following changes to your mortgage terms.

Protect the most valuable assets in your business – the people. Business protection options to consider include key person cover, share and partnership protection and relevant life cover.

Review your protection plans to make sure they still meet the demands from changes to your lifestyle.

Review your protection plans to make sure you have adequate life cover and your income is protected, so you can continue to repay your mortgage if you’re made redundant or suffer from a short or long-term illness.

Consider taking out protection plans to fund your children’s further education.

Review your protection plans to consider your long-term care needs and make sure your assets are placed in a trust.

Review your protection plans to make sure they still meet your requirements, following changes to your lifestyle.

Review your existing funeral cover and consider 55+ life cover.

Understanding your needs...

Before we offer any advice and recommendations we will always conduct a thorough fact-find to make sure we understand your personal circumstances. It’s possible you already have enough protection in place, or enough savings to see you and your family through any financial disruption, and we will confirm this if it is the case.

If you don’t, we will look at what protection you’ve taken out personally, any protection your employer gives you, and any state benefits you may be entitled to. We’ll also help you consider how long you could pay essential bills if you are unable to work, and establish if there are any potential gaps in your protection needs. 

Once this is worked out, we’ll research the most suitable products, before designing a bespoke solution that’s tailored especially for you. Our recommendations will offer the best possible cover for your budget. 

Estate planning, intergenerational planning, IHT planning, and the importance of making a will…

Estate Planning

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We can help you take the right steps to secure the future of your company, your family and your staff.

Business Insurance

Get in touch

We always offer a free, no-obligation initial consultation over the phone or face to face (Covid restrictions allowing) to see if we can help*.

If you’d like to arrange a consultation, or have any questions at all, please get in touch with us on 0141 352 7800
or click on the ‘Contact Us Form’ link below.

*Any work you ask us to carry out as a result of this meeting will be fee based.

The Financial Conduct Authority does not regulate taxation and trust advice, wills or will writing.